科技型企业知识价值信用贷款风险补偿改革连锁效应评估
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关键词：科技型企业；企业知识价值；企业信用贷款；企业信用贷款风险补偿改革；连锁效应中图分类号：F832.7;G322.7 文献标识码：Adoi：10.3969/j.issn.1672-2272.202505050
Evaluation of the Chain Effect of Knowledge Value Credit Loan Risk Compensation Reform in Technology Based Enterprises
Liu Mingzhu1，Gu Xingrong²，Liao Qijun³ （1.Hunan Provincial Technology Property Trading Center，Changsha 4loool，China; 2 Business School of Hunan Normal University，Changsha 4loo81，China; gy Finance Department of Hunan Technology Property Exchange Co.Ltd，Changsha 4lool7，China）
Abstract：The reform of knowledge value credit loan risk compensation for technology-based enterprises is a systematic reform，in which technology-based enterprises，technology management departments， financial institutions，and local economic management departments are the four subsystems.By establishing a mathematical model to analyze the chain effects between the four subsystems in the reform process，this mathematical model reveals the quantitative relationships between the four subsystems， which have their own characteristics and inherent laws. Corresponding conclusions can be drawn through internal operation analysis. Through the quantitative analysis of operational processes，the time flow and spatial connectivity relationships of each subsystem can be obtained，and operational characteristics can be presented; By conducting quantitative analysis of the operating cycle，we can sustainably improve the system's operating cycle，enhance its operational efectiveness，and predict the development trend of knowledge-based credit loans for technology-based enterprises. This provides theoretical and practical references for the risk compensation reform of knowledge-based credit loans for technology-based enterprises.
Key Words：Technology-Based Enterprises; Enterprise Knowledge Value; Corporate Credit Loans; Re form of Enterprise Credit Loan Risk Compensation；Ripple Effect
0 引言
湖南省科技型企业知识价值信用贷款风险补偿改革是财政科技经费支持科技型企业发展的重大创新，不但克服了科技经费直接补助科技型企业资金量小、效益低且由人为因素导致不公平等问题，而且对技术进步、经济发展、金融创新产生良好的连锁效应，可以通过构建数学模型进行实证验证。（剩余13164字）