科技银行发展路径探索

Exploration Into the Development Path of Technology Banks

科创企业是我国经济转型的主导力量,但在我国以间接融资为主的金融体系中,科技银行经过三十多年的探索发展,其对科创企业的金融支持却鲜有明显成效。本文在分析我国科技银行发展模式的基础上,剖析科技银行在我国发展缓慢的原因,并对比借鉴美国科技银行的发展经验,提出我国发展科技银行的现实路径。

Technology enterprises are the leading forces of China＇s economic transformation. However, in China＇s indirect financing-based financial system, technology banks have made little contribution to the technology enterprises financing for more than thirty years. Firstly, we analyzed of the development process of technology banks in China. Secondly, we analyzed the reasons of the slow development. Thirdly, we summed up the experience of Silicon Valley Bank in American. Finally, we put forward the path of developing technology banks in China.