Research Local Banking Technology And Financial Franchisee

Science and Technology intensive small and medium-sized enterprises (S&T-SMEs) is one of most important driving forces for technical innovation and economic development in our country. Especially, under the current crisis around the world, the rapid development of S&T-SMEs is very real. Currently, the most outstanding issue that S&T-SMEs faced is that difficulty of finance. Because the operation characteristic of S&T-SMEs decides that they can not get the money from traditional channels. Even though a series of policies have been put forward by the Central Government, local governments and regulatory authorities to support and cultivate S&T-SMEs in different aspects, the results were not obviously well. In this case, establishing the financial institutions for S&T-SMEs would provide the differentiated and professional financial services. Also, it would be a platform of executing governments'policies. Most important, in monetary system, the financial institutions for S&T-SMEs would better to integrate social resources and screw up resource utilization. Hereby, development of S&T-SMEs would be pushed forward step by step.The thesis starts from the development strategy and operation of Bank of Chengdu Science and Technology Branch (BOC S&T Branch); researches the topic on local financial institutions for S&T-SMEs in solving the problem of S&T-SMEs'finance difficulty. Thereby, it will be a cross reference for both up-building the S&T-SMEs financial service platform and making S&T-SMEs policies.The paper will be organized as follow:Chapter One describes the signification of this research and makes explicit definitions of proper names or terms, such as S&T-SMEs finance, the financial institutions for S&T-SMEs and local banks.Chapter Two analyzes the reasons of current S&T-SMEs'finance difficulty based on credit-rationing theory, theory of Industrial Clustering and commercial banks'incentive and control mechanism, and demonstrates the necessity of establishment of financial institutions for S&T-SMEs according to system deficiencies of traditional banking model serving S&T-SMEs.Chapter Three produces the marketing position, operation principle and development strategy of financial institutions for S&T-SMEs. Meantime, based on the case of BOC S&T Branch, this thesis researches the prospect of financial institutions for S&T-SMEs under current regulations.Chapter Four gives a comprehensive plan to create a S&T-SMEs finance platform after analyzing the current development of S&T-SMEs finance. On this account, it will deal with the root of the problem—policies making on S&T-SMEs'finance.