Abstract: The development of “twin engines — popular entrepreneurship and innovation” in China represented by science and technology entrepreneurship and innovation is facing serious financing bottleneck, and the bank can play an important role in alleviating its financing difficulties. Based on the analysis of the different stages in the development of science and technology enterprises and the financing demand characteristics, the paper puts forward that in the initial and the growth period, the community banks lending technology — relationship lending could be appropriate used to provide financial support, and therefore should be speed up to set up community banks and branches of science and technology, science and technology develop relational lending, also the linkage of investment and loan should be used to do a good job in financial support entrepreneurship and innovation and risk prevention and control, and also the integration of technology community banks and and the Internet should be strengthened to provide powerful financial support for entrepreneurial and innovation.

Key words: Entrepreneurship and Innovation, Relationship Lending, Technology Community Bank, Linkage of Investment and Loan

摘要： 我国以科技型创业创新为代表的“双创”发展面临着严重的融资瓶颈,而银行在缓解其融资困境中可以发挥重要作用。本文在分析科技型企业发展的不同阶段及其融资需求特点的基础上提出,在“双创”型企业发展的初创期和成长期,适宜利用社区银行的核心贷款技术——关系型借贷为其提供金融支持,因而应加快设立科技型社区银行及科技型支行,积极发展关系型借贷。此外,还应借助投贷联动模式做好风险防控,并加强科技型社区银行与互联网的融合,为创业创新提供有力的金融支持。

关键词: 创业创新, 关系型借贷, 科技型社区银行, 投贷联动