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在科技、金融、产业领域中,确立科技信贷“结合论”、“工程论”、“追踪论”的三个论题,对于把我国经济建设转移到依靠科技进步和提高劳动者素质的轨道上来具有重大现实意义。 信贷只有与科技行为和企业有效商品生产行为(企业采用新技术成果进行畅销的商品生产)结合,科技才能转化成现实生产力,才能实现信贷、企业和科技的效益,才能实现金融、科技、产业促进经济发展的作用。 银行实行追踪科技放贷的方针和信贷策略,是历史的必然。
In the fields of science and technology, finance, and industry, the three themes of “combination theory”, “engineering theory”, and “tracking theory” of scientific and technological credit have been established, and have been used to transfer our country’s economic construction to the track of relying on scientific and technological advancement and improving the quality of laborers. Significant practical significance. Only when credit is combined with scientific and technological behaviors and the production of effective commodity products (products produced by companies that use the new technology to sell their products well) can technology be transformed into productive productivity, so that the benefits of credit, enterprise, and science and technology can be realized, and financial, technological, and industrial promotion can be achieved. The role of economic development. It is historically inevitable for banks to follow the policy of scientific and technological lending and credit strategies.