Research on the Identification and Credit Evaluation of Science and Technology Enterprises in China's Commercial Banks
Clarifying the practice mode of carrying out science and technology credit business in China is helpful to improve the ability of commercial banks to accurately identify and serve science and technology enterprises,and efficiently support the innovation and development of science and technology enterprises.By sorting out and analyzing the operation characteristics and innovative practices of commercial banks in the three models of recognition and credit evaluation of technology enterprises,the paper accurately grasps the traditional expansion model with government recognition list and vertical subdivision industry as the boundary,and makes use of the new policy tools of enterprise innovation score system and comprehensive service platform of science and technology finance,as well as data-driven credit evaluation methods.In view of the problems existing in science and technology financial services,such as lack of uniformity in the identification and credit evaluation standards of science and technology enterprises,the difficulty in technical capacity and credit assessment,and the overall weakness of science and technology financial service capabilities,it is recommended to establish and improve the science and technology credit system,strengthen the aggregation and sharing of technology and public credit information,promote the standardization of science and technology credit evaluation index systems and models,improve the ability of credit reporting institutions and financial institutions to assess science and technology credit,and promote the widespread application of assessment results.
commercial bankscience and technology creditcredit evaluation of science and technology enterprises
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