本文以传统工业基地、资源型城市山西省大同市技术改造贷款的发展为个案研究对象,探讨技改贷款所面临的市场、政策和制度三重约束。近年来,技改贷款在总量和占比上都呈逐年下降趋势,直接影响到传统工业基地的振兴、区域经济发展和结构优化。就此,本文从银行、政府和企业三个角度提出政策建议。 This article takes the development of technological innovation loan in Datong, a traditional industrial base and resource-based city as a case study object, and discusses the triple constraints of market, policies and system faced by technical innovation loan. In recent years, the total amount and proportion of technical innovation loans have been declining year by year, which directly affects the revitalization of traditional industrial bases, regional economic development and structural optimization. In this connection, this article from the bank, government and enterprises from three perspectives to make policy recommendations.