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Research On The Development Of Bank Credit To Technology-based Small And Micro Enterprises Under The Background Of The Start-up Of Science And Technology Innovation Board:

Posted on:2021-02-01Degree:MasterType:Thesis
Country:ChinaCandidate:L JiangFull Text:PDF
GTID:2439330629988163Subject:Finance
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At present,China has become the second largest economy in the world after the United States.In recent years,China's level of science and technology has been rapidly improved,and the strength of science and technology has been rapidly developed.The overall level of science and technology still has a certain gap with developed countries in the West,but it has been the world leader in some sub-fields such as 5G and blockchain.status.As early as 2006,China proposed a strategy of relying on independent innovation in science and technology to build an innovative country in order to achieve the transformation from a country with a large population to a country with a strong technology.In 2018,President Xi Jinping announced the establishment of the Science and Technology Innovation Board at the opening ceremony of the first China International Import Expo.The Science and Technology Innovation Board established a new section in the existing motherboard market and conducted a registration trial in this section,thereby opening up the background of the Science and Technology Innovation Board.prelude.Under the background of the launch of the science and technology innovation board,small and micro-tech enterprises of science and technology have shown a rapid growth trend.Small and micro-tech enterprises of science and technology have shown strong competitiveness in the fields of information,electronics,biotechnology,new materials,new energy,etc.Development has injected a steady stream of motivation.However,due to the characteristics of technology-based small and micro enterprises,they face conflicting situations in obtaining bank credit.On the one hand,technology-based small and micro-enterprises play an active role in adjusting China's economic structure,raising China's level of science and technology in the world,and promoting social and economic development.On the other hand,technology-based small and micro-enterprises are light on assets The characteristics of uncertain development prospects,unregulated management,and "short-frequency and short-term funding requirements" generally make it difficult to meet the entry barriers of banks and other financial institutions,which has led to financing difficulties for small and micro-technology-based enterprises.This article studies the credit service status of J-Bank for technology-based small and micro enterprises after the launch of the science and technology board,finds the bottlenecks encountered by the technology-based small and micro enterprises,and then combines the excellent experience at home and abroad.Measures to improve bank credit services provide advice and reference for the development of small and micro-enterprises in science and technology for commercial banks' credit services.This article takes J Bank as an example in the context of the start-up of the science and technology board,and analyzes the problems of credit services for small and micro-tech banks from different perspectives.Finally,it explores the problems from the perspective of government,enterprises and commercial banks,and understands the bank credit services The status quo and shortcomings of small and medium-sized technological enterprises,and finally put forward countermeasures based on domestic and foreign successful experiences.
Keywords/Search Tags:science and technology board, bank credit, technology-based small and micro enterprises, countermeasures
PDF Full Text Request
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