如何破解科技型企业“融资难题”?——重庆市科技型企业知识价值融资实践分析

How to Solve the"Financing Problem"of Scientific and Technological Enterprises?:Analysis of the Practice of Knowledge Value Credit of Scientific and Technological Enterprises in Chongqing

科技型企业作为创新活动的主体,由于其知识产权资产化导致的"轻资产"典型特征,融资难的问题尤为突出。为此,2017年重庆正式启动科技型企业知识价值信用贷款改革试点,对科技型企业进行知识价值信用评价并授信,由合作银行进行纯信用贷款,为解决科技型企业融资难问题进行了初步的探索。2018年重庆市科技局优化了科技型知识价值的评价模型,并逐步扩大了试点范围。本文全面分析2018年重庆市科技型企业知识价值信用贷款的总体思路及其过程,通过对重庆市科技型企业知识价值融资实证分析,总结提出了通过创新政府的政策支持、加强科技型企业的信用体系建设、提升银行金融创新服务以及加强多部门的协作等方式来破解科技型企业融资难题。

As the main part of innovation activities,scientific and technological enterprises are facing the problem of financing difficulties because of the typical characteristics of"light assets"caused by the capitalization of intellectual property rights.Therefore,in 2017,Chongqing officially launched the pilot reform of knowledge value credit loan for science and technology-based enterprises,carried out knowledge value credit evaluation for science and technology-based enterprises,and implemented pure credit loan by cooperative banks,which initially explored to solve the financing problem of science and technology-based enterprises.In 2018,Chongqing Science and Technology Bureau optimized the evaluation model of scientific and technological knowledge value,and gradually expanded the scope of the pilot.This paper comprehensively analyzes the general idea and process of the knowledge value credit loan of Chongqing science and technology-based enterprises in 2018.Through the empirical analysis of the knowledge value financing of Chongqing science and technology-based enterprises,it summarizes and puts forward the ways to solve the problem by innovating the government’s policy support,strengthening the construction of the credit system of science and technology-based enterprises,improving the bank’s financial innovation service,and reinforcing the multi-sector cooperation.