银行科技信贷风险评价指标体系构建--基于投贷联动模式

Construction of Risk Evaluation Index System of Bank Science and Technology Credit:Based on the Investment and Loan Linkage Mode

投贷联动作为“股权+债权”的新型融资模式,在为科技创新企业提供创业资金的同时,也加大了银行信贷风险,因此文章通过实地调查、问卷调研、构建模型对银行科技信贷风险评估。研究结果表明:技术风险是银行信贷投放面临的主要风险,应重点考核企业技术水平、信用记录;从分散风险视角,应避免将信贷投放于同一行业领域;此外应选择经验丰富且持股比例较高的投资机构,与投资机构形成投贷联动的“分离、协同、合作”,以实现信贷风险的评估与防控。

As a new financing mode of"equity+creditor's rights",investment loan linkage not only provides venture capital for scientific and technological innovation enterprises,but also increases bank credit risk.Therefore,through field investigation and questionnaire survey,the paper constructs the model of bank technology credit risk assessment.The research results show that:technical risk is the main risk faced by bank credit,we should focus on the assessment of enterprise technology level and credit record.From the perspective of risk diversification,should avoid putting credit into the same industry.In addition,should choose the investment institutions with rich experience and high shareholding ratio to form the"separation,coordination and cooperation"of investment and loan linkage with investment institutions to achieve credit Loan risk assessment and prevention and control.