在(zai)政策(ce)協同(tong)、部門協作的共(gong)同(tong)努力下，一(yi)個覆蓋科技創新全(quan)鏈條、科技型企業全(quan)生(sheng)命(ming)周期的良好金融生(sheng)態環境(jing)將持續(xu)激發出發展新動能、新優勢。

　　科(ke)(ke)創(chuang)(chuang)金(jin)(jin)融(rong)(rong)專(zhuan)屬產品體(ti)系加快建(jian)立、新(xin)(xin)設(she)銀(yin)行保險類(lei)科(ke)(ke)創(chuang)(chuang)金(jin)(jin)融(rong)(rong)專(zhuan)營機構快速(su)增(zeng)長(chang)、“股貸債保”聯動發展的科(ke)(ke)創(chuang)(chuang)金(jin)(jin)融(rong)(rong)生態體(ti)系持續完善……自(zi)2021年(nian)啟動首(shou)個試(shi)(shi)點(dian)以來，科(ke)(ke)創(chuang)(chuang)金(jin)(jin)融(rong)(rong)改革試(shi)(shi)驗(yan)(yan)區(qu)建(jian)設(she)穩(wen)步推進，上海(hai)、濟南等7地(di)設(she)立了(le)科(ke)(ke)創(chuang)(chuang)金(jin)(jin)融(rong)(rong)改革試(shi)(shi)驗(yan)(yan)區(qu)，積極探(tan)索可復制推廣的經驗(yan)(yan)做法。在科(ke)(ke)創(chuang)(chuang)金(jin)(jin)融(rong)(rong)改革試(shi)(shi)驗(yan)(yan)區(qu)的示范(fan)效應下，金(jin)(jin)融(rong)(rong)體(ti)系支(zhi)持科(ke)(ke)技(ji)創(chuang)(chuang)新(xin)(xin)的能力不(bu)斷提升(sheng)。截至2023年(nian)末，“專(zhuan)精(jing)特新(xin)(xin)”、科(ke)(ke)技(ji)中小企業(ye)貸款余(yu)額(e)增(zeng)速(su)分別是(shi)18.6%和(he)21.9%，高技(ji)術制造業(ye)中長(chang)期貸款余(yu)額(e)增(zeng)速(su)達34%。

　　中央金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)工作會議指出，做(zuo)好科(ke)(ke)(ke)(ke)(ke)技(ji)(ji)(ji)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)、綠(lv)色金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)、普惠金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)、養老金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)、數字金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)五(wu)篇大文章。發展科(ke)(ke)(ke)(ke)(ke)技(ji)(ji)(ji)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)，是建設科(ke)(ke)(ke)(ke)(ke)技(ji)(ji)(ji)強(qiang)國的重(zhong)要支撐。加快實現高水平科(ke)(ke)(ke)(ke)(ke)技(ji)(ji)(ji)自立自強(qiang)，促進(jin)(jin)科(ke)(ke)(ke)(ke)(ke)技(ji)(ji)(ji)—產(chan)業—金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)良(liang)性(xing)循環，金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)是鏈(lian)接科(ke)(ke)(ke)(ke)(ke)技(ji)(ji)(ji)和產(chan)業的重(zhong)要工具。黨的十八大以來(lai)，金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)支持(chi)科(ke)(ke)(ke)(ke)(ke)技(ji)(ji)(ji)創(chuang)新的力度(du)、廣度(du)、精度(du)不(bu)斷提升，科(ke)(ke)(ke)(ke)(ke)技(ji)(ji)(ji)、產(chan)業、金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)相(xiang)互塑造、緊密耦合(he)、良(liang)性(xing)循環的格局正在形成。在金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)助推下，我(wo)國國家(jia)創(chuang)新指數綜合(he)排名位居世(shi)界第十位，國家(jia)創(chuang)新能力取得顯著(zhu)進(jin)(jin)步，科(ke)(ke)(ke)(ke)(ke)技(ji)(ji)(ji)強(qiang)國建設蹄疾步穩。

　　發(fa)(fa)展(zhan)科(ke)技(ji)金(jin)(jin)融(rong)(rong)(rong)，是建設金(jin)(jin)融(rong)(rong)(rong)強國(guo)的(de)重要(yao)動(dong)(dong)力。為實體經濟服(fu)務(wu)是金(jin)(jin)融(rong)(rong)(rong)的(de)天職(zhi)，進入高質(zhi)(zhi)量(liang)發(fa)(fa)展(zhan)階段，金(jin)(jin)融(rong)(rong)(rong)要(yao)為經濟社(she)會發(fa)(fa)展(zhan)提供高質(zhi)(zhi)量(liang)服(fu)務(wu)。科(ke)技(ji)創(chuang)新(xin)(xin)能夠催生(sheng)(sheng)新(xin)(xin)產業、新(xin)(xin)模式(shi)、新(xin)(xin)動(dong)(dong)能，是發(fa)(fa)展(zhan)新(xin)(xin)質(zhi)(zhi)生(sheng)(sheng)產力的(de)核心要(yao)素。推動(dong)(dong)金(jin)(jin)融(rong)(rong)(rong)更好服(fu)務(wu)科(ke)技(ji)創(chuang)新(xin)(xin)，不僅是實體經濟高質(zhi)(zhi)量(liang)發(fa)(fa)展(zhan)的(de)需(xu)要(yao)，更是金(jin)(jin)融(rong)(rong)(rong)業實現自身高質(zhi)(zhi)量(liang)發(fa)(fa)展(zhan)的(de)需(xu)要(yao)。

　　近幾年來，我國科(ke)技(ji)金(jin)融(rong)加(jia)快發(fa)展，科(ke)創(chuang)金(jin)融(rong)制度(du)和(he)市場(chang)體(ti)系持續健全(quan)，初步建成了包括(kuo)銀行信貸、債券(quan)市場(chang)、股票市場(chang)、創(chuang)業投資、保(bao)險(xian)和(he)融(rong)資擔(dan)保(bao)等在(zai)內，全(quan)方位、多(duo)層(ceng)次的科(ke)創(chuang)金(jin)融(rong)服務體(ti)系。同時也要看(kan)到，當前科(ke)技(ji)金(jin)融(rong)工作還(huan)面臨一些不足(zu)，比如圍(wei)繞創(chuang)新(xin)(xin)全(quan)鏈條(tiao)的系統(tong)設(she)計不夠完善等。為此，持續改革創(chuang)新(xin)(xin)，加(jia)快科(ke)技(ji)與金(jin)融(rong)深度(du)融(rong)合，還(huan)需多(duo)方面加(jia)力。

　　要瞄準國(guo)家(jia)需(xu)(xu)求，立(li)足地方實(shi)際(ji)。科(ke)技(ji)創(chuang)新要面向國(guo)家(jia)重(zhong)大(da)需(xu)(xu)求，科(ke)技(ji)金(jin)融也應以國(guo)家(jia)戰(zhan)略需(xu)(xu)求為(wei)導向，圍繞創(chuang)新鏈部署資金(jin)鏈。把住大(da)方向同時，科(ke)技(ji)金(jin)融還(huan)要立(li)足地方實(shi)際(ji)產業特色和創(chuang)新資源稟賦，把握(wo)地方優勢(shi)、聚焦服務(wu)重(zhong)點，才(cai)能(neng)更好地“看懂”科(ke)技(ji)，把科(ke)技(ji)金(jin)融服務(wu)做(zuo)深做(zuo)透(tou)。

　　要完善間接(jie)融資，強(qiang)化直(zhi)接(jie)融資。銀(yin)(yin)行是提供科(ke)技(ji)資金(jin)(jin)的(de)主力(li)軍，銀(yin)(yin)行業(ye)(ye)金(jin)(jin)融機構要進(jin)一步從管理機制、風險評估、產品服務等方面提升專業(ye)(ye)服務能(neng)力(li)。同時，多層次資本市場要更好(hao)發揮直(zhi)接(jie)融資功(gong)能(neng)，進(jin)一步優化科(ke)技(ji)型企業(ye)(ye)評價體系，支(zhi)持(chi)鼓勵更多科(ke)創(chuang)(chuang)(chuang)(chuang)企業(ye)(ye)發債、上(shang)市，同時進(jin)一步暢通創(chuang)(chuang)(chuang)(chuang)投機構“募投管退”全鏈條，加強(qiang)對種子期、初創(chuang)(chuang)(chuang)(chuang)期科(ke)創(chuang)(chuang)(chuang)(chuang)企業(ye)(ye)的(de)金(jin)(jin)融供給(gei)。

　　要和(he)(he)其他的金融“大文章”協同聯手，互(hu)為助力。例如，數字(zi)金融推動科(ke)創企(qi)(qi)業(ye)金融服務(wu)向數字(zi)化、智能化發展(zhan)(zhan)，能夠更(geng)(geng)好(hao)滿足(zu)科(ke)創企(qi)(qi)業(ye)需求(qiu)、提高科(ke)技金融服務(wu)效率和(he)(he)風(feng)險防范水平(ping)。同時(shi)，科(ke)創企(qi)(qi)業(ye)大多是民營、小微企(qi)(qi)業(ye)，提升(sheng)普惠金融服務(wu)水平(ping)，在科(ke)創企(qi)(qi)業(ye)發展(zhan)(zhan)更(geng)(geng)早(zao)期、更(geng)(geng)小規模時(shi)給(gei)予支持，有利于助力更(geng)(geng)多“好(hao)種子(zi)”長成“參天大樹”。融合發展(zhan)(zhan)，能夠形成互(hu)相賦能的良性循環。

　　科(ke)(ke)技金(jin)(jin)融(rong)(rong)(rong)(rong)服(fu)(fu)務(wu)高質(zhi)量(liang)發(fa)(fa)展也成為(wei)(wei)自身高質(zhi)量(liang)發(fa)(fa)展的(de)機(ji)(ji)遇(yu)。在實地(di)調(diao)研中，筆者發(fa)(fa)現，不少金(jin)(jin)融(rong)(rong)(rong)(rong)機(ji)(ji)構正(zheng)逐步將發(fa)(fa)展科(ke)(ke)技金(jin)(jin)融(rong)(rong)(rong)(rong)的(de)外部政策(ce)激勵轉化為(wei)(wei)內生(sheng)動力，把科(ke)(ke)技金(jin)(jin)融(rong)(rong)(rong)(rong)作為(wei)(wei)推動內部改(gai)革轉型、適應新(xin)形(xing)勢(shi)新(xin)任務(wu)的(de)重要抓手。不少金(jin)(jin)融(rong)(rong)(rong)(rong)機(ji)(ji)構反映(ying)，發(fa)(fa)展科(ke)(ke)技金(jin)(jin)融(rong)(rong)(rong)(rong)對優化金(jin)(jin)融(rong)(rong)(rong)(rong)機(ji)(ji)構信貸(dai)結構、提升(sheng)服(fu)(fu)務(wu)水平(ping)大有(you)助力。相信在政策(ce)協(xie)(xie)同、部門協(xie)(xie)作的(de)共同努力下，一個覆蓋科(ke)(ke)技創新(xin)全(quan)鏈條、科(ke)(ke)技型企(qi)業全(quan)生(sheng)命(ming)周期的(de)良好金(jin)(jin)融(rong)(rong)(rong)(rong)生(sheng)態環(huan)境將持續激發(fa)(fa)出發(fa)(fa)展新(xin)動能、新(xin)優勢(shi)。

原標題：以科技金融助力強國建設
作者：趙展慧
責任編輯：劉晗旭
頁面編輯：蘇偉