党中央、国务院发布的《关于加速科学技术进步的决定》指出:“继续拓宽技术金融资金渠道,大幅度增加科技贷款规模。”这是中央为了实施“科技兴国”战略的重要举措。建设银行作为国有商业银行,应尽快适应新形势的要求,既要通过信贷倾斜体现国家的政策导向,又要加强科技贷款评审,选准支持对象,最大限度降低贷款风险,实现信贷资金良性循环。一、科技贷款的主要特点科技贷款是银行对科研院所、大专院校、科研生产联合体和承担科技开发任务的企业,在 The Decision on Accelerating the Progress of Science and Technology promulgated by the CPC Central Committee and the State Council pointed out: “We will continue to broaden the channels for financing technical and financial resources and substantially increase the scale of technology loans.” This is an important measure taken by the Central Government to implement the strategy of “rejuvenating China through science and technology” . As a state-owned commercial bank, China Construction Bank should adapt to the requirements of the new situation as soon as possible. It not only reflects the state’s policy orientation through credit leaning, but also strengthens the assessment of science and technology loans, selects the target of support, minimizes the loan risk and achieves a benign cycle of credit funds. First, the main features of science and technology loans Scientific and technological loans is a bank of scientific research institutes, universities, research and production consortium and assume the task of science and technology development business, at