Research On The Risk And The Evaluation System Of China Loan Of Science And Technology

China has put the development of science and technology at the first-class place. However, the development of science and technology cannot depart from the support of finance. Loan of science and technology is the special loan to support industrialization of outcome of science and technology in our country's loan plan;It is managed by operation demands of commercial bank,Loan of science and technology, financial appropriation and funds raised by enterprises are the three pillars of our country's investment in technology. It has played important role in supporting the spread and apply of outcome of science and technology.However, the transformation of the outcome of science and technology supported by loan of science and technology is a high-income and high-risk process, succeeds, it will increase the effect double and redouble, fails, it will cause banks great loss. Therefore, in operating loan of science and technology, banks not only give out loan actively to support development of our country's science and technology, but also examine strictly to be on guard to risks. Setting up an evaluation system of loan of science and technology is very urgent.Through a large amount of study of documents, consultation with experts, and social investigation, and in the light of directionality principle, system principle, scientific principle, the paper establishes the evaluation system of loan of science and technology, which is the basis of decision work of loan of science and technology. The evaluation system is mainly divided into two parts: 1.General evaluation of program, includes evaluation of environment, evaluation of money-raising ability,evaluation of debt-paying ability, evaluation of money-making ability, evaluation of management level, evaluation of technology level; 2. General evaluation of enterprise includes evaluation of debt-paying ability, evaluation of money-making ability, evaluation of operating efficiency, evaluation of development ability, evaluation of contribution ability, evaluation of observing law.In the last, the author applies the evaluation system on an enterprise of Shandong province and show the detailed analyze.