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科技型企业是科技创新最为活跃的细胞,蕴含着推动经济发展的巨大动能。“十三五”规划建议提出要“发挥科技创新在全面创新中的引领作用”“强化企业创新主体地位和主导作用,形成一批有国际竞争力的创新型领军企业,支持科技型中小企业健康发展”。当前,科技型企业面临着融资难、融资贵、融资慢等问题,亟需银行业金融机构针对科技型企业的生产、经营特征,转变经营模式,创新产品体系和服务方
Science and technology enterprises are the most active cells in science and technology innovation, and contain enormous momentum to promote economic development. “Thirteen Five ” plan proposed to “give full play to the leading role of scientific and technological innovation in overall innovation ” “to strengthen the status of leading enterprises and the leading role of innovation to form a group of innovative international competitiveness of leading enterprises, support SME healthy development of science and technology. ” At present, science and technology enterprises are faced with the problems of financing difficulties, high financing costs and slow financing. It is urgent for banking financial institutions to change their business models, innovative product systems and service providers in response to the production and operation characteristics of science and technology enterprises