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随着社会主义市场经济的建立和逐步完善,我国投融资体制改革正在大力推进,这一机制的重要特征在于“企业自主决策、银行独立审贷、政府宏观调控、发展资本市场、健全服务体系”。其中,随着政府职能的转变和银行商业化进程的加快,如何运用担保手段,引导资金流向,支持企业发展(特别是高科技成果转化),提高
With the establishment and gradual improvement of the socialist market economy, the reform of China's investment and financing system is being vigorously promoted. The important features of this mechanism lie in “independent decision-making by enterprises, independent loan examination and approval by banks, macro-control by the government, development of capital markets, and sound service system” . Among them, with the change of government functions and the bank's commercialization process, how to use security measures to guide the flow of funds, support the development of enterprises (especially the transformation of high-tech achievements), and improve