创新,是决定中国经济结构调整、产业升级能否成功的关键所在。这一点,社会各界有着高度的共识,但对创新受阻、创新不足的个中缘由,却有着不同的解释。从资金的角度来看,金融体系的发展滞后于经济增长和社会转型,是一个不能忽视的重要原因。尽管政府多年来一直号召银行要创新金融产品,为新兴企业、科技型中小企业提供融资便利, Innovation is the key to determining China’s economic restructuring and the success of industrial upgrading. This point, all sectors of society have a high degree of consensus, but hindered innovation, lack of innovation in one of the reasons, but have different interpretations. From a financial point of view, the development of the financial system lags behind economic growth and social transformation, which is an important reason that can not be ignored. Although the government has been urging banks to innovate financial products for many years, providing financing facilities for emerging enterprises and small and medium-sized technology-based enterprises,