创新型企业所具有的高成长、轻资产等特征,需要银行开辟新的金融创新中国经济转型需要从“中国制造”走向“中国创造”。中国创造的载体主要是企业,需要一批创新成长性企业的发展作为支撑。当前,数量占比不到中国企业总数5%的科技型中小企业为国家贡献了约66%的专利发明及80%以上的新产品开发,已经成为国家实施自主创新战略的最活跃群体和关键力量。然而,在多数创新型成长企业将银行间接融 Innovative enterprises with high growth, light assets and other characteristics require banks to open up new financial innovations China’s economic restructuring needs from “Made in China” to “Created in China.” The carriers that China creates are mainly enterprises, which require the development of a number of innovative and growing enterprises as support. At present, the small and medium-sized technology-based SMEs, accounting for less than 5% of the total number of Chinese enterprises, contribute about 66% of the nation’s patented inventions and more than 80% of new product development, and have become the most active group and key force in China’s implementation of the independent innovation strategy . However, most of the innovative growth companies are banking indirectly