国际经验表明,以商业银行为主的间接金融体系比较适合传统产业的融资需要,交易所主板市场虽然有利于技术产业中成熟企业的发展,但不利于创业企业的发展。高技术产业的发展,不仅需要具有一定规模和竞争力的成熟企业,鉴于高技术领域变化快、竞争激烈的特点,发展和培育新兴的创业企业,形成中小企业不断成长、动态优化的产业组织结构,对于长期保持高技术产业的竞争力十分重要。随着传统国有企业体制问题的逐渐暴露,我国亟待发展以民营中小企业为主的高技术产业集群。但我国传统上属于以银行为主的金融体系,资本市场近年来才有所发展,但仍然比较有限。高技术产业领域的创业企业不仅难以有效地从银行体系获得信贷资金支持,也难以新兴的资本市场进行股票或债券融资。如果这种局面不能及时改观,不仅我国多少年来依靠大量投入取得的科技成果难以产业化, International experience shows that the indirect financial system dominated by commercial banks is more suitable for the financing needs of traditional industries. Although the main board market of the exchange is conducive to the development of mature enterprises in the technology industry, it is not conducive to the development of start-ups. The development of high-tech industries not only requires mature enterprises with a certain scale and competitiveness, but also develops and nurtures emerging start-up enterprises in view of rapid changes and intense competition in the field of high-tech industries so as to form a continuously growing and dynamically optimized industrial organization structure for SMEs , Is very important for maintaining the competitiveness of high-tech industries in the long term. With the gradual exposure of the institutional problems of traditional state-owned enterprises, our country urgently needs to develop high-tech industrial clusters dominated by private-owned small and medium-sized enterprises. However, our country traditionally belongs to the banking-based financial system. The capital market only developed in recent years, but it is still relatively limited. Entrepreneurship in high-tech industries is not only difficult to obtain credit support from the banking system effectively, but also difficult to raise capital or bonds in emerging capital markets. If this situation can not be changed in time, not only has it been difficult to industrialize the scientific and technological achievements that China has relied on a large amount of input for so many years,