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随着专家学者的不断研究与探索,企业创新能力评价体系逐渐成熟,并且成为创新型企业获取银行贷款的重要参照指标。将企业R&D投入分为内源融资和外源融资,并引入商业信贷作为银行信贷的替代信用,分别探讨了在外源性R&D投入存在和不存在两种情况下,企业创新能力评价体系能否使银行贷款和企业创新策略选择达到最优。研究发现:当不存在外源性R&D投入时,银行能够在其收益最大化的同时为企业提供其创新策略选择最优贷款额;考虑企业外源性R&D投入时,创新能力评价体系不能使银企效用同时达到最大。因此,银行在对企业贷款中所依赖的创新能力评价体系是导致银行贷款对企业创新投资促进作用不显著的重要原因。
With the continuous research and exploration by experts and scholars, the evaluation system of enterprise innovation ability has gradually matured and become an important reference index for innovative enterprises to obtain bank loans. Divided R & D investment into internal financing and external financing, and introduced commercial credit as an alternative credit for bank credit. It explores whether the innovation ability evaluation system of enterprises can be used under the existence and non-existence of exogenous R & D investment respectively Bank loans and corporate innovation strategy to achieve optimal choice. The study found that when there is no exogenous R & D investment, the bank can provide enterprises with optimal strategies to choose the optimal loan while maximizing their returns. When considering the exogenous R & D investment, the innovation ability evaluation system can not make silver Efficiency at the same time reach the maximum. Therefore, the evaluation system of innovation ability that banks rely on in their loans to enterprises is an important reason that the effect of bank loans on the promotion of enterprise innovation is not significant.