Research On Effect Of Risk Compensation Of Loan Of Science And Technology Of Jiangsu Province

Small and micro enterprises of science and technology are the most active and potential groups in the field of scientific and technological innovation.The support of small and micro enterprises in science and technology is an important support for the implementation of innovation driven development strategy.According to incomplete statistics,as a big economic province,the number of small and medium-sized enterprises in Jiangsu has reached more than 2 million.This large number of small and medium-sized enterprises have become the main force of innovation and entrepreneurship in Jiangsu.Because of the characteristics of asymmetric information,high operating risk,high cost interest rate and fierce market competition,the loan business of scientific and technological small and micro enterprises makes it more urgent to study and innovate the risk compensation of scientific and technological loans.Therefore,it is of great significance to improve the efficiency of scientific and technological loan and to promote the combination of science and technology and finance.In order to understand the real level of the development of the risk compensation for science and technology loans in Jiangsu Province,the problems existing in the development process of the risk compensation for science and technology loans in Jiangsu province are found out,and the efficiency of the risk compensation for scientific and technological loans will be improved so that they can better serve the real economy of Jiangsu.This paper first analyzes the theory of the risk compensation for science and technology loans,defines the connotation and the main model of the risk compensation for science and technology loans,and through the research and analysis of the efficiency of the risk compensation for scientific and technological loans,on the basis of the previous scholars' research,the selection of innovation indexes and the construction of the evaluation index system conforming to the actual situation in Jiangsu.Through a general analysis of the status quo of input and output of Jiangsu science and technology loan risk compensation,it describes the current situation of Jiangsu science and technology loan risk compensation.Then the data envelopment analysis method is used to analyze the related input and output of the risk compensation of science and technology loan,and the conclusion is that: 1.the total capital investment is too much,it is beyond the best capital investment and the allocation of funds is unreasonable;2.the comprehensive efficiency and technical efficiency of the South of Jiangsu area are obviously superior to the central Jiangsu and the northern Jiangsu area;3.County cities are generally superior to those of the prefecture level city under the jurisdiction.In particular,in terms of technical efficiency;4.The government needs the necessary infrastructure and the introduction of talent in the first place.At the same time,it also needs to strengthen the efficiency of the allocation of funds so that the financial funds can be fully utilized.On this basis,combined with the actual situation in Jiangsu,the suggestions are put forward to optimize and improve the work of risk compensation for scientific and technological Loans: 1.promote effective cooperation among departments,improve the efficiency of capital use;2.integrate scientific and technological credit resources,improve the system of risk compensation;3.innovation of scientific and technological loan service mechanism,and improve the service level of science and technology loans.