供需匹配视角下商业银行科技金融产品创新研究——以重庆市科技型中小企业为例

Research on Innovation of Commercial Banks’ Technology Finance Products from the Perspective of Supply-Demand Matching—A Case Study of Technology-Based SMEs in Chongqing

摘要: 在经济结构转型升级的大背景下，科技创新逐渐成为推动经济增长的核心动力。然而，由于规模较小和资产轻量化等特性，多数科技型中小企业普遍面临融资难题，这已经成为制约其发展的主要瓶颈。因此，金融产品的创新至关重要，它为破解企业融资难题提供了新的思路。本文选取重庆市92家科技型中小企业作为样本，通过问卷调查，分析了重庆市科技金融产品供给与需求的匹配状况。研究发现：(1) 科技型中小企业的金融需求较为强烈，但融资通道趋于单一，银行贷款占主要地位；(2) 科技金融产品供给资源丰富，但在结构上并未有效满足企业的金融需求。文章进一步探讨了供需失衡的原因，并站在商业银行的角度提出了创新科技金融产品的策略及实施路径。

Abstract: Against the backdrop of economic restructuring and industrial upgrading, technological innovation has increasingly emerged as a central driver of economic growth. However, most technology-based small and medium enterprises (SMEs), characterized by their small scale and asset-light nature, commonly face financing constraints that have become a major bottleneck hindering their development. Consequently, innovation in financial products has become crucial, offering new approaches to address these financing challenges. This study selects a sample of 92 technology-based SMEs in Chongqing and employs questionnaire surveys to analyze the alignment between the supply and demand of technology finance products in the region. The key findings include: (1) Technology-based SMEs exhibit strong financial demand, yet their financing channels remain singular, with bank loans predominating; (2) While there is an abundant supply of technology finance products, their structural composition fails to effectively meet the financial needs of these enterprises. The paper further investigates the underlying causes of this supply-demand imbalance and, from the perspective of commercial banks, proposes innovative strategies and implementation pathways for developing technology finance products.