“中国制造2025”离不开科技型创新企业，这和我国的“双创”政策相辅相成， 因此加强对科技型中小企业的扶持成为了国家战略以及金融体系的主 要工作内容之 一。农行WH分行“科创贷”业务属于一种全新的金融业务，为科技型中小企业提供帮 扶资金的同时，也促进了WH分行信贷业务发展。但是由于“科创贷”业务推出 时间较 短，还存在一些问题有待解决。本研究的目的是希望通过对农行WH分行“科创贷”业 务的分析，找出该业务发展中存在的主要问题，并结合“科创贷”业务的外部环境和 内部环境，通过对比他行同类产品的先进做法，针对性提出优化建议。在响应国际号 召支持科技型中小企业的同时，推进“科创贷”业务的更好发展，进而实现WH分行“科 创贷 ”业务盈利水平提升。 本研究主要依托金融创新理论、资产负债管理理论、普惠金融理论，综合运用案 例分析法、文献研究法等对农行WH分行“科创贷”业务的现状与问题进行 阐述分析， 最后从风控、合作机制、人事、制度层面提出具体的优化建议。 研究得出以下结论：（1）农行WH分行“科创贷”业务发展面临的问题主要是“科 创贷”业务仍未取 得有效的联动、业务面临较高的投资风险、缺少完善的信息共享机 制、业务自身发展机制所存在的缺陷。（2）即使农行WH分行“科创贷”业务面临的问 题存在，但是通过 IFE/EFE分析得知农行WH分行具有较强的回避外部风险和利用外部 机会的能力，而且农行WH分行“科创贷”业务优化中有能力通过内部优势来弥补内部 劣势。（3）分析原因主要 在于缺乏完善的业务发展制度与机构体系、现行风控体系与 “科创贷”业务匹配性不高、“科创贷”业务缺乏畅通有效的合作平台、WH分行人力 资源体系的不完善。（4）农行WH 分行“科创贷”业务的优化应构建先进的业务风控管 控体系，创建科学长效的“科创贷”业务合作机制，进一步完善人力资源管理机制， 构建完善的“科创贷”业务运行管理机 制，并将“科创贷”信贷优化结构推广。 关键词：商业银行；科技型中小企业；科创贷 II Abstract "MadeinChina2025"isinseparablefromtechnologicalinnovationenterprises,which complementsChina's"doubleinnovation"policy.Therefore,strengtheningthesupportof scienceandtechnology"doubleinnovation"enterpriseshasbecomeoneofthemaintasksof thenationalstrategyandfinancialsystem.The“KechuangLoan” businessofthe AgriculturalBankofChinaWHBranchisabrand-newfinancialbusiness.Itprovides financialassistanceforsmallandmedium- sizedenterprises,andalsopromotesthe developmentofcreditbusinessofWHbranches.However,duetotheshortlaunchtimeof the“KechuangCredit” business,therearestillsomeproblemstobesolved.Thepurposeof thisstudyistofindoutthemainproblemsinthedevelopmentofthebusinessthroughthe analysisofthe “KechuangLoan”businessoftheAgriculturalBankofChinaWHBranch, andtooptimizethespecificenvironmentandinternalenvironmentofthe“KechuangLoan” business.Suggest.Inresponsetotheinternationalcalltosupporttechnology-basedSMEs, wewillpromotethebetterdevelopmentofthe“KechuangLoan”business,andthusimprove theprofitabilityofthe“KechuangLoan”businessofWHBranch.Thisresearchmainly reliesonfinancialinnovationtheory,asset- liabilitymanagementtheory,inclusivefinancial theory,comprehensiveuseofcaseanalysismethod,literatureresearchmethod,etc.to analyzethestatusquoandproblemsofthe “KechuangCredit”businessoftheAgricultural BankofChinaWHBranch. Thisstudymainlyreliesonfinancialinnovationtheory,assetliabilitymanagement theory,inclusivefinancetheory,comprehensivelyusescaseanalysismethod,literature researchmethod,etc.toelaborateandanalyzethecurrentsituationandproblemsof AgriculturalBankofChinawhbranch's"scienceandtechnologyinnovationloan"business, andfinallyputsforwardspecificoptimizationsuggestionsfromtheriskcontrol,cooperation mechanism,personnel,systemlevel. Theresearchdrawsthefollowingconclusions: (1)Theproblemfacingthedevelopment ofthe“KechuangCredit”businessoftheAgriculturalBankofChinaWHBranchisthatthe “KechuangCredit” businesshasnotyetachievedeffectivelinkage,andthebusinessfaces highinvestmentrisksandlacksperfectinformationsharing.Mechanisms,defectsinthe business'sowndevelopmentmechanism.（2）EventhoughtheproblemsfacedbyABCwh branch's"scienceandtechnologyinnovationloan"businessexist,throughIFE/EFE analysis,weknowthatABCwhbranchhasstrongabilitytoavoidexternalrisksandtake advantageofexternalopportunities,andABCwhbranch's"scienceandtechnology III innovationloan"businessoptimizationhastheabilitytomakeupinternaldisadvantages throughinternaladvantages.（3） Themainreasonfortheanalysisliesinthelackofasound businessdevelopmentsystemandinstitutionalsystem.Thecurrentriskcontrolsystemisnot highlycompatiblewiththe “KechuangCredit”business.The“KechuangCredit”business lacksasmoothandeffectivecooperationplatform,andtheWHbranch’shumanresources systemimperfect.(4) Theoptimizationofthe“KechuangCredit”businessofthe AgriculturalBankofChinaWHBranchshouldbuildanadvancedbusinessriskcontrol system,createascientificandlong- term“Kechuangloan”businesscooperationmechanism, furtherimprovethehumanresourcemanagementmechanism,andbuildasound“Science andTechnologyCredit"businessoperationmanagementmechanism. Keywords:commercialbank;technology-basedsmallandmedium-sizedenterprises; scienceandtechnologyloans IV 目录 第1章绪 论.............................................................................................................................1 1.1研究背景及意 义............................................................................................................1 1.2国内外研究现 状............................................................................................................1 1.2.1国外研究综 述...........................................................................................................2 1.2.2国内相关研 究...........................................................................................................2 1.2.3文献评 述..................................................................................................................4 1.3研究内容与方 法............................................................................................................5 1.3.1研究内 容..................................................................................................................5 1.3.2研究方 法..................................................................................................................5 1.4创新 点............................................................................................................................5 第2章核心概念与“科创贷”业务 理论基础....................................................................7 2.1核心概念界 定................................................................................................................7 2.1.1科技型中小企业的界 定...........................................................................................7 2.1.2“科创贷”业 务........................................................................................................8 2.2“科创贷”业务优化的基础理 论................................................................................8 2.2.1金融创新理 论..........................................................................................................8 2.2.2资产负债管理理 论..................................................................................................9 2.2.3普惠金融理 论........................................................................................................10 第3章农行WH分行“科创贷”业务优化的环境分 析.................................................11 3.1外部环境分 析..............................................................................................................11 3.1.1宏观环境分 析........................................................................................................11 3.1.2市场环境分 析........................................................................................................14 3.1.3外部环境因素评价矩 阵........................................................................................16 3.2内部环境分 析..................................................