科技小额贷款的制度创新

On Innovation of Sci-Tech Small Loans

本文从科技金融创新的角度,论述了科技小额贷款在科技金融创新体系中的重要地位,当前国内外科技金融创新与小额贷款制度相关的主要运行模式,并结合深圳实际分析了科技金融创新过程中存在的主要问题。最后就如何建立健全科技小额贷款制度所涉及的宗旨定位、准入条件、业务范围、治理结构、运营监管和扶持政策等方面进行了探讨和提出了建议。

From the perspective of Sci-tech finance innovations, the paper discusses the importance of Sci-tech Microcredit in the Sci-tech Finance Innovations Systems. Taking Shenzhen as a case, the major problems faced in the process of Sci-tech Finance Innovations are summarized, followed by the analysis of the models of Sci-tech Finance Innovations Systems. In the end, some policies about how to promote Sci-tech Finance Innovations are put forward, which include the purpose, qualifications, governance structure, regulatory measures and support policies about Sci-tech Microcredit.