银行业支持战略性新兴产业发展的创新、问题与对策——基于上海市15家商业银行的调研

The Innovations,Problems and Ccountermeasures in the Development of Strategic Emerging Industries Supported by the Banking Sector

本文通过对上海市15家商业银行的调研发现,银行业针对战略性新兴产业的金融创新力度明显加大,在体制机制、产品设计、业务模式和风险控制等方面开展了一系列创新措施。银行业支持战略性新兴产业内在动力不足、知识产权无法进行质押融资等问题均已有所改善,建立科技金融专营机构也从提议变成现实。但是,由于银行内部的信贷流程管理与战略性新兴产业发展存在结构性矛盾,银行业创新产品与创新业务模式的推广缺乏政府部门的政策支持和担保机构的协调配合,导致银行业在支持战略性新兴产业发展中仍存在一些问题和不足,需要继续完善相应政策措施,更加有效地推动战略性新兴产业发展。

Based on a survey of 15 commercial banks in Shanghai, this paper finds that the banking sector has significantly strengthened financial innovations for strategic emerging industries, and has launched a series of innovative measures on institutional mechanisms, product design, business model and risk control. Some issues such as the inner motivation of the banking sector in supporting strategic emerging industries and intellectual property pledge loan have been solved. The franchise financial institutions which focus on high science and technology have been established. However, there is a structural conflict between the banks＇ internal credit process management and the development of strategic emerging industries, the application and spread of innovative products are lack of policy support from the government departments, and the spread of innovative business models is lack of coordination of guarantee agencies, so that there are still some problems in supporting the development of strategic emerging industries. Relevant policies and measures need to be improved to promote more effectively the development of strategic emerging industries.