建设银行科技金融的发展路径研究.docx

建设银行科技金融的发展路径研究摘要本文首先从建设银行科技金融的发展路径的研究背景出发，然后对于建设银行科技金融的发展路径研究现状，还有研究意义进行了探讨，接着对于建设银行科技金融的发展路径的一些基础理论知识进行了解，比如：科技金融简介、科技金融安全性问题、科技型企业简介、科技型企业特点、科技与金融结合理论、企业融资理论、SWOT问题分析法等的一些基本的理论知识。然后对于建设银行科技金融的发展现状以及存在的问题分析进行了描述，建设银行科技金融的发展现状分别从建设银行所投资的一些企业的专利授权状况、融资需求状况、科技创新人力状况、信贷状况、不良贷款率，再就是对于建设银行科技金融存在的问题运用了SWOT问题分析法进行了一些分析，接着对于建设银行发展科技金融的建议与策略进行了描述，分别是：完善科技金融风险分担机制、拥抱大数据，挖掘客户需求、优化审贷机制和信贷模式、创新抵押质押贷款模式、优化科技金融人才培育的措施。关键词：建设银行，科技金融，SWOT问题分析法abstractThispaperstartsfromtheresearchbackgroundofthedevelopmentpathofscienceandtechnologyfinanceofChinaConstructionBank,thendiscussestheresearchstatusandsignificanceofthedevelopmentpathofscienceandtechnologyfinanceofChinaConstructionBank,andthenunderstandssomebasictheoreticalknowledgeofthedevelopmentpathofscienceandtechnologyfinanceofChinaConstructionBank,suchas:introductionofscienceandtechnologyfinance,securityofscienceandtechnologyfinance,scienceandtechnologyenterprises.Briefintroduction,characteristicsofscientificandtechnologicalenterprises,theoryofcombiningscienceandtechnologywithfinance,theoryofenterprisefinancing,SWOTproblemanalysisandotherbasictheoreticalknowledge.ThenitdescribesthedevelopmentstatusandexistingproblemsofscienceandtechnologyfinanceofChinaConstructionBank.ThedevelopmentstatusofscienceandtechnologyfinanceofChinaConstructionBankincludespatentauthorizationstatus,financingdemandstatus,scientificandtechnologicalinnovationmanpowerstatus,creditstatus,non-performingloanrateofsomeenterprisesinvestedbyChinaConstructionBank,andtheapplicationoftheexistingproblemsofscienceandtechnologyfinanceofChinaConstructionBank.SWOTproblemanalysismethodcarriesoutsomeanalysis,andthendescribesthesuggestionsandstrategiesforthedevelopmentofscienceandtechnologyfinanceofChinaConstructionBank.Theyare:perfectingtherisksharingmechanismofscienceandtechnologyfinance,embracingbigdata,tappingcustomerneeds,optimizingcreditmechanismandcreditmodel,innovatingmortgageloanmodel,andoptimizingmeasuresforcultivatingtalentsofscienceandtechnologyfinance.Keywords:Construc