1. The definitions of technology and finance are not uniform. The most authoritative definition is what Zhao Changwen, former vice president of Sichuan University, said in Science and Finance. In order to promote the development of science and technology, the transformation of achievements and the development of high-tech industries, technology and finance has made systematic and innovative arrangements for a series of financial instruments, financial systems, financial policies and financial services. It is a system composed of various financial means. Governments, enterprises, markets and social intermediaries that provide financing resources for scientific and technological innovation activities and their behaviors in the process of financing scientific and technological innovation. It is an important part of national science and technology innovation system and financial system.

2. The essence of investment-loan linkage is that financial institutions with different risk preferences and income requirements establish close interest relationships around the differentiated investment and financing needs of enterprises at different growth stages. On the platform with the same interests, we will cooperate at different levels such as information, channels, products and customers, and use rich financial tools to meet the diversified needs of enterprises and create one-stop financial services for enterprises.

3. Science and technology insurance refers to the loss of property, profits or research funds of science and technology enterprises or R&D institutions, and insurance is used as a means to spread risks. D The insurance company shall provide insurance compensation or pay insurance money for all kinds of civil compensation liabilities caused by various risks faced by scientific and technological enterprises or R&D institutions, production, sales, after-sales and other business activities and their impact on shareholders.

4. The promoters of intellectual property securitization (usually innovative enterprises) transfer their intellectual property rights or their derivative claims (such as licensing fees) to ad hoc carriers, which use these assets as collateral, repackage the securities, evaluate their credit and upgrade their credit, and then issue securities in the market to provide funds for the financial operation of the sponsors. As an important financial innovation, intellectual property securitization is of great significance for building a multi-level financial market and developing independent intellectual property rights.

One of the traditional financing channels for science and technology is to set up government funds or parent funds to guide private funds to enter science and technology enterprises; Second, provide diversified equity financing channels for technology enterprises. These include government support, technology loans, technology guarantees, equity investment, multi-level capital markets, technology insurance, technology leasing and so on. With the rise of internet finance, on the basis of the original channels, a new financing channel "crowdfunding" has emerged for science and technology financing. Equity crowdfunding is a financing method that entrepreneurs use the public display function of the Internet platform to attract public investors' investment and return to investors by transferring a certain percentage of equity. Equity crowdfunding has the characteristics of wide audience, scattered risks and low threshold. It is an ideal financing technology company. For example, Peking University Venture Crowdfunding is the first crowdfunding platform in China to realize the transformation of scientific and technological achievements. The introduction of the evaluation system of scientific and technological achievements provides diversified choices for the scientific development of science, technology and finance.