金融学院知识库

    我国经济加快从速度规模型向质量效益型转变，传统的经济发展模式与发展速度已不适应当前经济发展趋势。为适应经济发展大趋势，及时适应经济转型发展的进程，甘肃省兰州市、白银市高新技术开发区整合资源建设成为西部第一个国家自主创新示范区。大量科创型企业在兰白自创区内获得了政策支持，但这类企业的融资过程受到融资难、融资贵的制约。因此，探索出一种既符合国情政策，又可以促进科创型企业健康发展的投融资模式迫在眉睫。

    本文在以前学者相关研究工作的基础上，通过对相关理论知识的深入研究，对相关政策的不断解读，在对兰白国家自主创新示范区构建投贷联动融资模式的可行性与必要性进行分析后，借鉴相关试点地区的成功经验与现行体系，设计一套符合兰白自创区发展环境的金融服务体系。以期通过配套科学的风险控制等机制，设计出多角度、多层次、全方位的兰白自创区投贷联动融资模式体系。因此，本文建议兰白国家自主创新示范区采取平台基金类型投贷联动模式，即协调兰白自创区领导办公室、高新区管委会以及风投机构与商业银行等多方面共同参与运作。各参与方通过制定准入机制、融资机制、信息共享机制，同时采取设定防火墙系统，建立起预警机制，制定退出机制，加强人才培养体系等措施协同实施投贷联动业务。以期为高新区科创型中小企业缓解融资问题创新渠道；为兰白自创区企业融资服务提供新的服务模式；为甘肃省金融机构经营转型提供新的经济活力。

    China's economy is accelerating its transformation from a speed-scale type to a quality-benefit type. The traditional economic development model and development speed are no longer suitable for the current economic development trend. In order to adapt to the general trend of economic development and to adapt to the process of economic transformation and development in a timely manner, the Lanzhou and Baiyin High-tech Development Zones in Gansu Province have integrated resources and become the first national independent innovation demonstration zone in the west. A large number of scientific and technological innovation enterprises have obtained policy support in the Lanbai Owned Zone, but the financing process of these enterprises is restricted by financing difficulties and expensive financing. Therefore, it is urgent to explore an investment and financing model that not only conforms to the national conditions and policies, but also promotes the healthy development of science and innovation enterprises.

    Based on the related research work of previous scholars, this paper analyzes the feasibility and necessity of establishing an investment-loan linkage financing model in the Lanbai National Independent Innovation Demonstration Zone through in-depth research on relevant theoretical knowledge and continuous interpretation of relevant policies. Later, we learned from the successful experience of relevant pilot areas and the current system to design a set of financial service systems that are in line with the development environment of Lanbai's own district. With a view to designing a multi-angle, multi-level, all-round investment-loan linkage financing model system for Lanbai self-owned area through supporting scientific risk control mechanisms. Therefore, this article suggests that the Lanbai National Independent Innovation Demonstration Zone adopt a platform fund type investment-loan linkage model, that is, to coordinate the Lanbai Self-created Zone Leadership Office, the High-tech Zone Management Committee, venture capital institutions and commercial banks to participate in the operation. The participating parties coordinate the implementation of investment-loan linkage business by formulating access mechanisms, financing mechanisms, and information sharing mechanisms, as well as setting up a firewall system, establishing an early warning mechanism, formulating an exit mechanism, and strengthening a talent training system. It is expected to provide innovative channels for sci-tech and innovative small and medium-sized enterprises in the high-tech zone to alleviate financing problems; to provide new service models for corporate financing services in the Lanbai self-created zone; to provide new economic vitality for the transformation of financial institutions in Gansu Province.