科技型企業(yè)知識(shí)價(jià)值信用貸款風(fēng)險(xiǎn)補(bǔ)償改革連鎖效應(yīng)評(píng)估

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關(guān)鍵詞：科技型企業(yè)；企業(yè)知識(shí)價(jià)值；企業(yè)信用貸款；企業(yè)信用貸款風(fēng)險(xiǎn)補(bǔ)償改革；連鎖效應(yīng)中圖分類號(hào)：F832.7;G322.7 文獻(xiàn)標(biāo)識(shí)碼：Adoi：10.3969/j.issn.1672-2272.202505050

Evaluation of the Chain Effect of Knowledge Value Credit Loan Risk Compensation Reform in Technology Based Enterprises

Liu Mingzhu1，Gu Xingrong2，Liao Qijun3 （1.Hunan Provincial Technology Property Trading Center，Changsha 4loool，China; 2 Business School of Hunan Normal University，Changsha 4loo81，China; gy Finance Department of Hunan Technology Property Exchange Co.Ltd，Changsha 4lool7，China）

Abstract：The reform of knowledge value credit loan risk compensation for technology-based enterprises is a systematic reform，in which technology-based enterprises，technology management departments， financial institutions，and local economic management departments are the four subsystems.By establishing a mathematical model to analyze the chain effects between the four subsystems in the reform process，this mathematical model reveals the quantitative relationships between the four subsystems， which have their own characteristics and inherent laws. Corresponding conclusions can be drawn through internal operation analysis. Through the quantitative analysis of operational processes，the time flow and spatial connectivity relationships of each subsystem can be obtained，and operational characteristics can be presented; By conducting quantitative analysis of the operating cycle，we can sustainably improve the system's operating cycle，enhance its operational efectiveness，and predict the development trend of knowledge-based credit loans for technology-based enterprises. This provides theoretical and practical references for the risk compensation reform of knowledge-based credit loans for technology-based enterprises.

Key Words：Technology-Based Enterprises; Enterprise Knowledge Value; Corporate Credit Loans; Re form of Enterprise Credit Loan Risk Compensation；Ripple Effect

0 引言

湖南省科技型企業(yè)知識(shí)價(jià)值信用貸款風(fēng)險(xiǎn)補(bǔ)償改革是財(cái)政科技經(jīng)費(fèi)支持科技型企業(yè)發(fā)展的重大創(chuàng)新，不但克服了科技經(jīng)費(fèi)直接補(bǔ)助科技型企業(yè)資金量小、效益低且由人為因素導(dǎo)致不公平等問(wèn)題，而且對(duì)技術(shù)進(jìn)步、經(jīng)濟(jì)發(fā)展、金融創(chuàng)新產(chǎn)生良好的連鎖效應(yīng)，可以通過(guò)構(gòu)建數(shù)學(xué)模型進(jìn)行實(shí)證驗(yàn)證。（剩余13164字）