“大众创业,万众创新”是实现我国经济转型的根本途径,科技型中小企业更是推动新经济模式形成的关键因素。然而,融资难、融资贵的问题制约了科技型中小企业进一步发展。商业银行支持科技型中小企业的现状与困境科技型中小企业虽然属于中小企业,但又具有“科技型”特征。例如:研发人员占职工总数、研发投入占销售收入、无形资产占总资产等比例均较高;产品科技含量高,拥有较多的专利或专有技术,附加值高、风险高。近年来,我国银行业在经济转型 “Mass entrepreneurship and innovation” are the fundamental ways to realize China’s economic restructuring. The small and medium-sized technology enterprises are also the key factors in promoting the formation of a new economic model. However, the problems of financing difficulties and financing are constraining the further development of S & T SMEs. The Current Situation and Dilemma of Commercial Banks Supporting Small and Medium Sized Sci-Tech Enterprises Although small and medium-sized S & T enterprises belong to small and medium-sized enterprises, they have the characteristics of “science and technology”. For example, R & D personnel account for the total number of employees, research and development investment accounts for sales revenue, and intangible assets account for a large proportion of total assets. The products have high technological content and many patents or proprietary technologies with high added value and high risks. In recent years, China’s banking sector in economic restructuring