A Study Of Innovation Of The Credit Mechanism And The Government Support For The Sci-tech Bank

The Sci-tech SMEs are the most dynamic economics having the characteristics of constant innovation and rapid development. However, financing difficulties in technical innovation have been caused by the asset structure of the Sci-tech SMEs. Adequate and sustained funding is an important support for the Sci-tech SMEs walking from the initial stage to mature stage. If the capital chain occurs, it will bring immeasurable loss to follow up the overall layout and the promotion of the Sci-tech SMEs. The report of the 18 th National Congress of the Communist Party of China pointed out the need of deepening the reform of the system of science and technology, accelerating the construction of national innovation system and improving the credit financing mechanism of the science and technology. The government introduced a series of policies and regulations to promote the combination of technology and finance to make finance serve for technology innovation entities. The establishment of the Sci-tech banks aims to solve financial institutional arrangement of financing demand of the Sci-tech SMEs, which makes up and improves the difficulties of the traditional bank credit. However, the Sci-tech banks are in the stage of exploration in our country and the Sci-tech credit system is not perfect. There are many problems in specific implementation process. For example, supporting laws, policies, valuation, risk management, intellectual property rights transaction should be improved and developed. Most Sci-tech banks have not formed perfect credit mechanism.Firstly, this article studies the characteristics of the Sci-tech banks and SMEs through literature review and the theory induction, analyzing the current situation and problems of the Sci-tech banks and the Sci-tech SMEs. Secondly, it introduces the government and financial institutions, builds the Sci-tech credit evolutionary game model and analyzes the strategies of credit technology evolution based on the study of the Sci-tech credit relations, choosing the Sci-tech banks and SMEs as the main game from the perspective of evolutionary. Besides, it analyzes the characteristics of credit risks about the Sci-tech banks through literature review, builds the Sci-tech SEMs credit evaluation index systems, which contains safety, descriptive, efficiency, liquidity and credit support, using analytic hierarchy process and comprehensive evaluation method, and researches the input and output status and the Sci-tech credit efficiency about the branch of the Sci-tech banks in Nanjing using the method of DEA. Finally, in order to make the Sci-tech banks serve for the Sci-tech SMEs better, it try to build government-backed credit financial service system from many aspects, such as the government formulating laws and policies, creating technology credit system and financial investment in science and technology, integrating financial resources of technology, building a multilevel financial system, cultivating financial intermediaries, playing the role of venture capital funds to guide, improving the mechanism for intellectual property transaction and promoting the service center of Sci-tech financial.