近几年,我国银行业对科技金融的重视度显著提升,并着力在修复市场运作机制、发挥监管引导、强化市场主体素质、创新业务运作模式、加强专属产品研发等方面做了有益的探索与实践。金融对科技型企业支持作用显著改善。但同时,制约科技金融发展深度与广度的深层次问题也逐渐显露,主要表现在“几缺”:一是缺少对称的风险补偿机制,银行开展科技信贷面临收益风险不匹配的困境。二是缺少 In recent years, the importance of banking in science and technology in our banking industry has risen significantly, and efforts have been made to explore ways of repairing the market operation mechanism, giving guidance and supervision, strengthening the quality of the market players, innovating business operation mode and strengthening exclusive product research and development practice. Financial support for science and technology enterprises has significantly improved. However, at the same time, the deep-seated problems that restrict the depth and breadth of the development of science and technology are also gradually revealed. The main problems lie in the lack of symmetrical risk compensation mechanisms. Second, the lack of