科技金融泛指服务于科技创新及产业化过程的金融政策、金融工具、金融机构、金融市场和金融技术,其核心是“科技型企业全生命周期金融服务链”。本文考察了我国科技金融发展历史和当前主要业务情况,认为我国科技金融体系已总体完成银证保等主要业务模块建设,初步解决了科技型企业的载体、政府、金融和第三方服务可得性问题,并已具备专业化经营并商业化盈利的基础条件。下一阶段的发展重点应是立足企业体验,充分运用金融科技,建立起各类型科技金融主体之间的信息对接接口和业务协作平台,并以业务协作促制度磨合,不断提高整体服务效率。 Technology finance refers broadly to financial policies, financial instruments, financial institutions, financial markets and financial technologies serving the process of technological innovation and industrialization. Its core is “the financial service chain of the full life cycle of science and technology enterprises”. This paper examines the history of science and technology finance in our country and the current major business conditions. It holds that China’s science and technology finance system has completed the construction of key business modules such as banking securities guarantee, and initially solved the availability of carrier, government, finance and third-party services for science and technology enterprises Problems, and already have the professional management and commercial profitability of the basic conditions. The next stage of development should focus on making full use of financial science and technology based on the experience of enterprises and establishing the information docking interface and business cooperation platform between various types of science and technology financial entities. The business cooperation should be further promoted and the overall service efficiency should be continuously improved.