支持“双创”的融资政策研究

Financing Policy Supporting Mass Entrepreneurship and Innovation

与成熟企业的融资需求相比,创业创新企业的融资需求具有单笔融资规模小、融资风险相对较高、需要不同阶段融资实现接续等特点。改革开放以来,尽管我国金融改革获得了较快发展,金融对实体经济发展的支撑作用也不断增强。但是,当前金融体制总体上仍以传统金融服务为主,普遍存在资本市场容量小、银行投贷联动模式发展滞后、金融创新不能满足创新创业企业融资需求等问题,对创业创新的支持不到位、力度不足。对此,建议从优化资本市场支持创业创新的功能、创新银行支持创业创新的模式、发展支持创业创新的金融服务新模式等方面实施具有针对性的政策措施,发展支持创业创新的金融服务,形成金融体系对创业创新的更有力支撑。

Compared with the financing needs of mature enterprises, the financing needs of entrepreneurial innovation enterprises have the characteristics of small single financing scale, relatively high financing risk, and the need to achieve financing at different stages. Since the reform and opening up, China’s financial reform has achieved rapid development,and the supporting role of finance in the development of the real economy has also been enhanced. However, the current financial system on the whole is still in the traditional financial services, common capital market capacity is small, the development bank investment loan linkage mode lags of financial innovation, the innovation enterprise cannot meet the financing needs and other issues, to support entrepreneurship and innovation is not in place, efforts are not enough. In this regard, optimization suggestions from the capital market to support entrepreneurship and innovation function, innovation of banks to support entrepreneurship and innovation mode, support the development of entrepreneurship and innovation in the new mode of financial services and other aspects of the implementation of targeted policies and measures to support the development of innovative financial services, the formation of the financial system of the more powerful support for entrepreneurship and innovation.