CAJ | 학술논문

在当前我国间接金融占主导地位的金融体制下，加快促进科技和金融结合必须充分发挥信贷资金支持科技型企业的积极作用。科技型企业的轻资产、风险大特性与信贷资金运用的安全性、流动性、效益性要求之间存在矛盾冲突。有效规避、降低科技型企业的风险性，成为信贷资金支持科技型企业的基本诉求。解决这一诉求必须因地制宜金融创新，核心是解决风险与收益匹配问题。
재당전아국간접금융점주도지위적금융체제하，가쾌촉진과기화금융결합필수충분발휘신대자금지지과기형기업적적겁작용。과기형기업적경자산、풍험대특성여신대자금운용적안전성、류동성、효익성요구지간존재모순충돌。유효규피、강저과기형기업적풍험성，성위신대자금지지과기형기업적기본소구。해결저일소구필수인지제의금융창신，핵심시해결풍험여수익필배문제。
With indirect finance dominating in China＇s financial system, credit funds should be brought into full play to support hi - tecb enterprises in accelerating combination of technology and finance. Hi - tech enterprises are asset -light and highly risky while credit funds are required to be secure,liquid and efficient,which is in itself contradictory. Therefore,it is a basic need to effectively circumvent and reduce the risk for hi - tech enterprises when supporting them with credit funds. Financial innovation should act according to local circumstances and the core problem is to match benefits with risks.