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银行与科技型小微企业的融合是一个复杂的系统,不只牵涉银行与企业两个主体,政策、监管、环境以及其他类型金融机构的介入等都深刻地影响着银行与企业的选择。因此,本文引入了演化经济学作为分析的理论基础,试图建立一个适用于我国现状的动态演化模型,在充分探讨银行与科技型小微企业发展的一般规律基础上,结合江浙沪三地的现状,分析当前存在的问题,为银行业与科技型小微企业融合的可持续发展提出有针对性的对策建议。
The integration of banks with S & T-based small and micro enterprises is a complex system that involves not only the two main banks and enterprises, but the policy, regulation and environment as well as the involvement of other types of financial institutions. All of these have a profound impact on the choice of banks and enterprises. Therefore, this paper introduces the evolutionary economics as the theoretical basis for the analysis, trying to establish a dynamic evolution model applicable to the status quo in our country. On the basis of fully exploring the general laws governing the development of banks and small and micro-sized science and technology enterprises, , Analyze the current problems and put forward targeted countermeasures and suggestions for the sustainable development of the integration of banking and science and technology small and micro enterprises.