目前,由于利率不能浮动,银行对高科技企业贷款,只能承担高科技企业的高风险,但不能分享高科技企业的高收益。高科技企业将是21世纪经济的主角,它的一个主要特点是科技含量高,同时企业的发展也离不开高资本的助跑。高科技企业有其“两面性”——高风险、高回报。 目前,中关村的高新技术企业约有5000家,这些企业有相当部分有好的想法,就是缺少资金。再回头来看银行这一方,其实很早以前,各家国有商业银行就非常关注中关村,关注中关村的高科技企业,并积极签署资金扶持协议书,但真正动真格的不多。为什么银企都有供需需求,而最后双方又无法”牵手”呢?问题就出在目前我国国有商业银行 At present, due to the fact that interest rates can not fluctuate, banks can only afford high-tech high-risk loans to high-tech enterprises, but they can not share high-yield high-tech enterprises. High-tech enterprises will be the protagonist of the 21st century’s economy. One of its main features is its high technological content. At the same time, the development of enterprises is also inseparable from the high-capital run-up. High-tech enterprises have their “two sides” - high-risk, high-return. At present, there are about 5,000 high-tech enterprises in Zhongguancun, and quite a few of these enterprises have a good idea of ​​lacking funds. Looking back at the bank, in fact, a long time ago, various state-owned commercial banks paid great attention to Zhongguancun and were concerned about Zhongguancun’s high-tech enterprises. They actively signed the fund-supporting agreement but they did not really move much. Why do banks and enterprises have the demand for supply and demand, and finally the two sides can not “hand in hand”? The problem lies in the current state-owned commercial banks