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科学技术是第一生产力,这已是个不争的事实。科技的不断革新与发展,是社会进步的必然要求,而这些都必须依赖于人力、物力的大量投入,科技贷款就是其中的一项主要来源。在我国当前紧缩银根的贷币政策下,如何增加科技贷款在贷款总额中的含量,以研制出更多高精尖的产品,实现产业结构的合理调节是极为重要的。另一方面,由于当前许多国有企业呈现低迷的经营状态,前景堪忧,科技
It is an indisputable fact that science and technology are primary productive forces. The constant innovation and development of science and technology is an inevitable requirement for social progress. All of these must rely on the massive investment of manpower and material resources. Technology loans are one of the major sources. Under the current monetary policy of tightening monetary policy in our country, how to increase the content of science and technology loans in the total loans so as to develop more sophisticated products and realize the rational adjustment of industrial structure is extremely important. On the other hand, due to the current downturn in the state of operation of many state-owned enterprises, the outlook is grim. Technology