科技信贷运作综合评估体系探讨

Research on the Synthetic Evaluation System of Operating Level of Science and Technology Loan

在我国科技事业日新月异的发展中,科技信贷起着重要作用,科技成果的转化必须依靠信贷的金融手段支持,作为商业信贷的组成部分,科技贷款不仅具备商业贷款的一般内容,而且有其特殊的内容,科技贷款不仅涉及金融、生产,而且涉及科技等相关领域,为了更好地发挥金融手段支持科技成果转化作用,确保整个信贷运作体系的良好运转,在科技信贷中进一步加强调控,建立科技信贷的运作综合评估体系,对运用金融手段促进科技事业发展,是十分必要的。文章分析了我国科技信贷的现状,阐述了建立科技信贷评价体系的必要性,构建了科技信贷运作综合评估体系。

Nowadays, with the development of China＇s science and technology, science and technology loan plays an important role ; the transformation of scientific and technological achievements must rely on credit and financial means, as part of the commercial loan, science and technology loan not only has the general contents of the commercial loans, but also has its special content and features. Loan of science and technology not only relates to the financial, production, and also relates to the technology and other related fields. As the development of China＇s science and technology, in order to better play the role of financial means to support the transformation of scientific and technological achievements, to ensure the good functioning of the whole credit system, we need to further strengthen the regulation of credit in science and technology, establish the synthetic evaluation system of operating level of science and technology loan, it is necessary to promote the development of science and technology of using financial instruments. The article analyzes the current situation of science and technology loan in our country, elaborates it is necessary to establish an evaluation system of operating science and technology loan, and finally build the synthetic evaluation system of operating level of science and technology loan.