CAJ | 학술논문

科技型企业发展的关键是解决融资问题。现阶段我国银行贷款在科技型企业融资中起着关键作用,但银行传统信用评估体系并不适用于科技型企业,不能有效解决信息不对称问题,必须构建科学的科技型企业成长性评价体系。该体系分为战略管理、研发创新、市场开拓、资本运营、价值创造和社会支持6个一级指标,58个二级指标,各指标通过不同方法进行无量纲化和赋权。该体系的建立为评价科技型企业成长性、促进银行科技金融发展搭建了基础平台。
과기형기업발전적관건시해결융자문제。현계단아국은행대관재과기형기업융자중기착관건작용,단은행전통신용평고체계병불괄용우과기형기업,불능유효해결신식불대칭문제,필수구건과학적과기형기업성장성평개체계。해체계분위전략관리、연발창신、시장개탁、자본운영、개치창조화사회지지6개일급지표,58개이급지표,각지표통과불동방법진행무량강화화부권。해체계적건립위평개과기형기업성장성、촉진은행과기금융발전탑건료기출평태。
It＇s a imminent task to resolve the financial problems of our SCI-TECH businesses.At present,commercial banks＇ loan is the main financial channel for our SCI-TECH businesses.But the traditional credit appraisal system dose not apply to the SCI-TECH businesses,and cannot effectively solve the asymmetry problems.So we must establish scientific growth appraisal system of the SCI-TECH businesses.The growth appraisal system of the SCI-TECH medium-sized businesses includes 6 one-class indexes and 58 two-class indexes,which are processed and empowered through various methods.The appraisal system establishes a foundation platform for appraising the growth of the SCI-TECH medium-sized businesses and developing commercial banks＇ science finance.