CAJ | 학술논문

科技银行是纾解科技型中小企业融资难的重要金融机构。在对美国硅谷科技银行的成功经验进行回顾分析的基础上，探讨了中国科技银行发展的现状和存在的问题，并分析了科技银行中国化的定位和发展对策。文章认为应将科技银行定位为商业银行而非政策性银行，通过市场机制来解决科技型中小企业科技融资困境。政府可通过打造良性科技金融生态环境、信贷政策倾斜、法律法规保障等手段来促进科技银行中国化；科技银行应该通过加强商业模式和金融产品创新、专业型人才培养等手段降低中小企业科技创新融资的难度。
과기은행시서해과기형중소기업융자난적중요금융궤구。재대미국규곡과기은행적성공경험진행회고분석적기출상，탐토료중국과기은행발전적현상화존재적문제，병분석료과기은행중국화적정위화발전대책。문장인위응장과기은행정위위상업은행이비정책성은행，통과시장궤제래해결과기형중소기업과기융자곤경。정부가통과타조량성과기금융생태배경、신대정책경사、법율법규보장등수단래촉진과기은행중국화；과기은행응해통과가강상업모식화금융산품창신、전업형인재배양등수단강저중소기업과기창신융자적난도。
Sci-tech bank is an important financial institution which can relieve financing difficulties of technology-based enterprises. Based on retrospectively analyzing of the successful experience of the US Silicon Valley Sci-tech bank, the paper discusses the current situation and problems in the development of Sci-tech bank in China, and analyzes the orientation and development countermeasures of Sci-tech bank in China. The paper concludes that Sci-tech bank should be positioned as a commercial bank rather than policy bank, and Sci-tech bank should solve the SMEs technology financing difficulties by the market mechanism. Government can create a virtuous technology finance ecological environment, provide preferential credit policy and establish law and regulation to promote sinicization of Sci-tech bank. Sci-tech bank should reduce the difficulty of financing for SMEs by enhancing innovation in business model and financial product.