苏州工业园区作为苏南国家自主创新示范区的先导区，肩负重任，引领苏南区域
依托自主创新的经济转型。本文以苏州工业园区 A 银行角度出发，通过分析工业园区
自主创新企业现状及银行金融支持情况，指出 A 银行在自主创新企业金融支持方面的
不足与问题，同时结合国内外相关经验探讨了 A 银行在自主创新金融支持工作方面的
发展措施
本文虽然以 A 银行为分析主体，但主要探索的问题也是苏州工业园区内多数银行
机构需要予以重视并加以解决的。本文通过分析和总结在银行服务机制、人才培养、
产品创新、增值服务等方面提出了一些建议，希望能对区域内商业银行在为自主创新
企业提供综合金融服务时带来思路，从而进一步推动苏州工业园区科技金融融合发展，
提升自主创新产业的国际竞争力
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关键词：苏州工业园区，自主创新，金融支持
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作者：陆汉阳
指导老师：张雪芬
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II
Research for financial supportto independent innovation
enterprises from Bank A of Suzhou Industrial Park
Abstract
The independent innovation development strategy has been frequently mentioned in
the national strategic level in recent years. Innovation-driven development focus more on
breakthrough of the capability of independent innovation than technical introduction or
reference. It’s almost impossible to get core technology from outside for the constantly
improvement of technology protection. Therefore, only the core technology comes from
independent innovation can bring lasting competitive advantage for the enterprise.
Nowadays, a large number of independent innovation enterprises are striving in the
turbulent market, they are also winning the future of constantly and rapid development of
regional economy at the same time.
As the pilot of Southern Jiangsu National independent innovation model zone, Suzhou
Industrial Park makes an important contribution for leading the economic transformation
of this zone relying on independent innovation. This article chooses A bank located in
Suzhou industrial park as the research object, points out it’s deficiency and problem while
offering financial supports to the independent innovation enterprises by analyzing the
current situation of those enterprises as well as the financial supports they have got from
commercial banks in the industrial park. It also discusses some measures for supporting
independent innovation for A bank by combining with the domestic and foreign relevant
experience.
Although this research focuses on A bank, the problems discussed in it need to be pay
more attention to and to be solved as well for most banking institutions in Suzhou
Industrial Park. By analyzing and summarizing, this article proposes several suggestions in
aspects such as bank service mechanism, talent training, product innovation and
value-added services, hoping that these suggestions can bring ideas for commercial banks
when providing comprehensive financial services to independent innovation enterprises.
Sothen can improve the development and combination of technology and finance in
Suzhou Industrial Park, and promote its international competitiveness in independent苏州工业园区 A 银行自主创新企业金融支持研究 英文摘要
III
innovation industry.
Key words: Suzhou Industrial, ParkIndependent innovation, financial supports
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Written by Hanyang Lu
Supervised by Xuefen Zhang
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目录
第一章 绪论 ...........1
一、研究背景和意义........1
（一）研究背景.1
（二）研究意义.3
二、研究内容........4
（一）研究目标.4
（二）研究思路.5
（三）研究方法.5
（四）结构安排.5
三、可能的创新与不足....6
（一）可能的创新之处.6
（二）不足之处.7
第二章 文献综述与理论基础 .......8
一、国外研究........8
（一）科技创新与经济发展.....8
（二）金融与科技创新.9
二、国内研究......10
三、研究理论......12
（一）技术创新周期理论.......12
（二）金融创新理论...12
（三）信息不对称理论...........13
第三章 我国商业银行对自主创新企业支持现状.........14
一、自主创新企业的界定..........14
二、我国自主创新的发展..........14
三、我国商业银行创新金融的发展......17
四、商业银行自主创新企业支持机理分析......19
第四章 A 银行自主创新企业金融支持现状及分析.....21
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一、苏州工业园区自主创新企业现状..21
（一）苏州工业园区概况.......21
（二）苏州工业园区自主创新政策...23
（三）苏州工业园区自主创新布局...25
（四）苏州工业园区自主创新企业动态.......26
二、苏州工业园区自主创新金融支持现状.
。。。以上简介无排版格式，详细内容请下载查看
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