天津市科技融资担保行业发展现状、问题与对策研究

Study on the Development Status,Problems and Countermeasures of Technology Financing Guarantee Industry in Tianjin

【目的】全面评估天津市科技融资担保行业发展现状及问题,明确可能影响其可持续发展的影响因素,以期为后续支持性政策制定提供参考依据。【方法】采取实地考察调研与访谈相结合的方法,重点考察天津市两家主要科技担保公司的经营状况,对政策支持情况、业务模式、典型案例等进行分析。【结果】近三年来,在国家和天津市政策的大力支持下,天津科技担保行业有力促进了科技成果转化和科技型中小企业发展,但当前天津市科技担保机构普遍存在盈利能力较弱、政策激励作用发挥不足、内部风险研判和防控机制亟待健全等问题,这些因素在一定程度上制约了科技担保行业的可持续发展,也限制了其后续服务能级的提升。【结论】建议从加大财政资金补贴支持、建立系统的风险评估与管理机制、推广成功模式复制等方面入手,有效解决科技担保行业发展过程中面临的困难与挑战,实现更高质量的可持续发展。

[Purposes]In order to fully evaluate the development status and problems of Tianjin's technol-ogy financing guarantee industry,identify factors that may affect its sustainable development,and pro-vide a reference basis for formulating subsequent supporting policies.[Methods]This study adopts the combination of on-site investigation and interviews,focusing on investigating the operation status of two major technology guarantee companies in Tianjin,and analyzing supportive policies,business models,typical cases,etc.[Findings]The study found that in recent three years,under the strong support of na-tional and Tianjin policies,Tianjin's technology guarantee industry has effectively facilitated the transfor-mation of scientific and technological achievements and the development of technology SMEs.However,it is also found that current Tianjin technology guarantee institutions generally face issues of relatively weak profitability,insufficient policy incentives,and urgent needs for improving internal risk judgments and control mechanisms,etc.These factors have restricted the sustainable development of the technology guarantee industry to some extent,and also limited the subsequent improvement in its service level.[Conclusions]Therefore,it is proposed to tackle difficulties and challenges faced by the industry in the development process from aspects of increasing financial subsidies,establishing a systematic risk assess-ment and management mechanism,and promoting replication of successful model,so as to achieve a higher level of high-quality and sustainable growth.