科技银行在产业升级和经济转型方面发挥着重要作用，目前我国科技银行业务发展还存在一些关键问题没有解决。作为科技银行运营最成功的美国硅谷银行，其经验是采取专业化定位，分阶段为企业提供个性化金融产品，债权与股权相结合，注重风险控制。我国绝大多数科技银行都是支行模式，不具备法人实体资格，发展空间受限。分业经营的金融监管体制使得科技银行不能分享股权投资所带来的增值收益。个性化的科技金融产品创新不足，科技中介服务机构功能发挥不足。我国科技银行的发展需要多方面主体的参与，构建科技金融服务的平台。政府要从制度上加大科技银行的扶持力度，通过关系型贷款增强科技银行与科技企业之间的信息对称，提供多种形式的融资服务，创新风险控制方式，促进社会中介为科技金融服务。同时，科技银行应围绕科技企业和科技创新开展业务。%Science and technology (S&T) bank plays an important role in industrial upgrading and economic restructuring. At pre-sent the business development of S&T bank still exist some key problems unsolved in China. Silicon Valley Bank is the most successful S&T bank in operation. Its experience is to take specialized orientation, provide varied financial products for enterprise, integrate debt and equity, and focus on risk control. Most of China's S&T banks are sub-branch patterns which do not have corporate entities qualifi-cation, so development space being limited. China's S&T bank can not share added value from stock right investing because separated operation of financial supervision system. S&T bank lacks of personalized science and technology innovation financial products. Science and technology intermediary service institutions function deficiency. Development of China's S&T bank needs many-sided main body participation, structures the platform that the science and technology finance serves. The government should support S&T bank from in-stitutional. Enhance the information symmetry between banks and enterprises through relationship lending. S&T bank should provide vari-ous forms of financial service, innovation risk control methods. Promote social intermediary services for the technology and finance. Meanwhile, S&T bank should focus on science and technology enterprise and technological innovation for business development.
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