CAJ | 학술논문

本文从科技金融创新的角度，论述了科技小额贷款在科技金融创新体系中的重要地位，当前国内外科技金融创新与小额贷款制度相关的主要运行模式，并结合深圳实际分析了科技金融创新过程中存在的主要问题。最后就如何建立健全科技小额贷款制度所涉及的宗旨定位、准入条件、业务范围、治理结构、运营监管和扶持政策等方面进行了探讨和提出了建议。
본문종과기금융창신적각도，논술료과기소액대관재과기금융창신체계중적중요지위，당전국내외과기금융창신여소액대관제도상관적주요운행모식，병결합심수실제분석료과기금융창신과정중존재적주요문제。최후취여하건립건전과기소액대관제도소섭급적종지정위、준입조건、업무범위、치리결구、운영감관화부지정책등방면진행료탐토화제출료건의。
From the perspective of Sci-tech finance innovations, the paper discusses the importance of Sci-tech Microcredit in the Sci-tech Finance Innovations Systems. Taking Shenzhen as a case, the major problems faced in the process of Sci-tech Finance Innovations are summarized, followed by the analysis of the models of Sci-tech Finance Innovations Systems. In the end, some policies about how to promote Sci-tech Finance Innovations are put forward, which include the purpose, qualifications, governance structure, regulatory measures and support policies about Sci-tech Microcredit.