Research On Science-and-technology Banks In China Based On SVB Model

The 18th National Congress of the Communist Party of China highlights the important role of science and technology innovation through pointing out the national strategy to "innovation driven" emphatically, financial markets also deepen changes with the country's economic situation continuously. Quickly fostering and developing the industries, which are request to establish a financial system to support the science and technology. But for the innovation enterprises, especially for the small and medium-sized enterprises, it's a bottleneck for them to obtain the financial support. Science-and-technology bank is to combine the technology and finance to meet the demand, fill the gaps for the current financial function. To provide the professional financial service to support small and mid-sized enterprises, which has unique periodic, the venture capital support, including the introduction of technology, new product development and testing, results until the implementation of industrial management. So the development of the technology bank will be the key way to solve the problem of science and technology innovation enterprise financial.The paper systematically research on the science-and-technology bank of development history, current situation and bottleneck factors in our country. First of all, the subject expound the necessity and applicability of science-and-technology bank as starting point, analyzing the background, features and the characteristics theoretically. Secondly, analyzing the model of American science-and technology bank development, through comparing with customer screening method, risk control system and business model, found out the bottleneck factors. Among them, the internal reasons is immature operation model, lacking of decision-making and post-loan supervision for innovation enterprise credit, relevant policies, regulations and other external environment, such as the rigid regulation system also restrain its mature development. Finally, establishing perfect policy accordingly in order to improve the external environment, changing the concept of science-and-technology bank and open up new business model, improving the team building, so as to breakthrough the bottleneck of technology bank development.