金融创新对科创型企业融资的影响——基于金融科技的视角

近年来,随着大数据、云计算、移动互联等新兴技术在投融资、客户征信、风险管理、支付结算等多个领域的广泛应用,金融科技应运而生。金融科技的出现在提升金融服务效率的同时降低了成本,进而推动了科技资源与金融资源的融合。与此同时,由于金融科技而产生的金融创新也拓宽了科创企业的融资渠道,从某种程度上解决了科创企业融资难、融资贵的问题。为了推动科创企业的发展,我国的金融机构应以需求为导向,通过产品创新、服务创新和机制体制创新,建立符合中国国情、适合科创企业发展的金融服务模式;同时,监管机构要健全金融科技监管体系。

The Influence of Financial Innovation on the Financing of Scientific and Technological Enterprises——From the perspective of financial technology

In recent years,with the widespread application of emerging technologies such as big data,cloud computing and mobile internet in investment and financing,customer credit,risk management,payment and settlement,financial technology has emerged.The emergence of financial technology has reduced the cost while improving the efficiency of financial services,which in turn has promoted the integration of scientific and financial resources.At the same time,the financial innovation generated by financial technology has also broadened the financing channels of scientific and technological-based enterprises.Therefore,the problem of in financing of science and technology enterprises has been solved to some extent.In order to promote the development of science and technology enterprises,it is necessary for the financial institutions directed by demand to establish a financial service model that is in line with the national conditions and suitable for the development of science and technology enterprises in China through product innovation,service innovation and institutional innovation.Meanwhile,the regulatory agencies should establish and perfect the financial technology regulatory system.