摘要
改革开放以来，我国经济发展突飞猛进，但随着能源危机、环境污染、产能过剩
等问题层出不穷，想要继续提高经济增速必须改变高消耗、高污染、低效益的增长模
式，替代以新兴战略产业、现代服务业为主导的增长模式。从发达国家的发展轨迹来
看，科技型中小企业贴近市场需求，能够激发大众创业、形成万众创新的局面，有助
于推动经济发展，因此大力发展科技型中小企业这支未来我国经济发展的生力军，对
我们经济新形势的形成至关重要。但从外部数据公布的结果来看目前我国该类企业实
际的融资困难较大，贷款的实际支用率也较低，可见我国科技型中小企业金融需求的
市场潜力巨大。如何使商业银行更好、更快的发展科技信贷，并实现银行与企业的“双
赢”是当前商业银行需迫切解决的一项任务

J银行是一家国内上市商业银行，本文以苏州分行的经营为研究重点，基于科技
型中小企业的经营特点，结合J银行信贷风险管理的现状，设计适用于科技型中小企
业融资评价模型。随机抽取苏州分行30户授信客户验证该模型与现有授信审批结果的
匹配程度。本文提出的融资评价模型具有实际意义，不仅可以提高J银行授信审批的
效率，同时可以统一银行内部的风险偏好，真正提高金融科技产品的使用率，促进商
业银行及客户双方互相的了解，以便推进苏州地区科技型企业中小企业的健康成长

关键词：科技型中小企业 信贷风险 授信工具创新 融资评价模型
作者：孙雯雯
指导老师：姚海明II
J bank credit risk management research of
science and technology
---- in Suzhou branch as an example
Abstract
Since China&39;s reform and opening up, China&39;s economic development by leaps and
bounds, but with the energy crisis, environmental pollution, overcapacity problems emerge in
endlessly, want to continue to improve the economic growth must change the high
consumption, high pollution and low benefit growth model, alternative to emerging strategic
industries, modern service industry as the leading pattern of growth. Trajectory from developed
countries to have a look, close to the market demand for technology-based SMES (small and
medium-sized enterprises) can stimulate public business, to develop peoples innovation
situation, help to promote the development of economy, therefore vigorously develops the
small and mid-sized enterprise the future the main force of the economic development in our
country, the formation of the new situation of our economy is of crucial importance. But from
the external data according to the results released in China at present the practical of the
enterprise&39;s financing difficulties is bigger, loans of actual power usage effectiveness is lower,
so our technology-based SMES financial demand of the market potential is tremendous. How
to make the commercial bank credit better and faster development of science and technology,
and realizes the win-win bank and enterprise is the commercial Banks need to urgently solve
a task.
J bank is a domestic bank listed commercial Banks, this paper takes Suzhou branch
management as the research key, based on the operating characteristics of technology-based
SMES, present situation of J bank credit risk management, design evaluation model suitable
for small and mid-sized enterprise financing. Randomly selected 30 families of Suzhou branch
credit customer validate the model with the existing credit approval degree of match results.
Finance evaluation model is proposed in this paper practical significance, not only can improve
the efficiency of J bank credit approval, as well as the risk preference of unity within Banks,
truly improve the distribution of financial technology products, promote the mutualIII
understanding of the commercial Banks and customers, in order to promote science and
technology enterprises in Suzhou to the healthy growth of the small and medium-sized
enterprises.
Key words: Small and medium-sized technology-based enterprise Credit risk
Credit tool innovation Finance evaluation model
Written by: Sun Wenwen
Supervised by: Yao Haiming
目录
第一章绪论 ...1
一、研究背景和意义........1
（一）研究背景.1
（二）研究的目的和意义.........2
二、研究内容及结构........2
（一）研究内容.2
（二）研究结构.3
第二章文献综述和相关理论 ...........4
一、相关文献........4
（一）商业银行信贷风险管理研究.....4
（二）科技型中小企业信贷风险管理研究.....5
（三）国内外银行科技型中小企业的风险管理研究启示.....6
二、相关理论及简要分析7
（一）生命周期理论.....7
（二）信贷风险度量非指标模型.........7
（三）信贷配给理论.....8
（四）金融市场双缺口理论.....9
第三章 J 银行苏州分行科技信贷发展现状及问题分析..........10
一、J 银行的发展历程 ...10
二、J 银行发展科技信贷业务的必要性 ...........10
（一）科技型中小企业认定标准.......10
（二）J 银行科技信贷金融产品简介11
（三）发展信贷科技的必要性...........14
三、J 银行苏州分行科技信贷业务发展现状及问题分析 .......15
（一）科技型企业的风险特点...........16（二）J 银行苏州分行科技信贷业务发展现状及主要问题18
（三）J 银行苏州分行科技信贷发展问题分析........20
（四）J 银行科技授信管理难点........23
第四章 J 银行科技信贷风险管理对策——授信工具创新......26
一、授信工具创新——融资评价模型..26
二、模型构建......27
（一）罗列评价因子...27
（二）模块分析...........30
三、案例检验及结论......33
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