科技开发贷款是我国银行为促进科学技术研究成果尽快转化为生产力的一种专项贷款。主要用于支持国营、集体企业、科研生产联合体和实行企业化管理的科研单位进行新产品、新工艺、新技术、新材料的开发、试制和推广运用；科技成果转移过 The science and technology development loan is a special loan for the transformation of China’s banks into productivity through the promotion of scientific and technological research results. Mainly used to support state-owned enterprises, collective enterprises, scientific research and production consortiums, and scientific research institutes that implement enterprise management to develop, trial-make, and promote the use of new products, new processes, new technologies, and new materials;