中文摘要：

随着科学技术的进步,新兴技术产业的崛起正成为中国经济发展的新亮点。不少的商业银行、金融借贷机构、政府和企事业单位都与新兴技术企业（Emerging Technology Enterprises,ETE）存在各种信用关系。由于新兴技术企业的信用风险具有较大的不确定性,目前已成为学术界和业界关注的热点问题,也是现代信用风险管理面临的挑战。本文在解析新兴技术和新兴技术企业信用风险的基础上,对其特征进行分析,以期为政府、金融机构以及新兴技术企业的相关管理部门提供决策的参考依据。

英文摘要：

With the progress of science and technology, the rise of the emerging technology industry is become a new bright spot of China＇s economic development. Many commercial banks and other financial institutions, governments, and enterprises have all kinds of credit transaction with the emerging technology enterprises. Because of the large uncertainty of credit risk of emerging technology enterprises, it has become a hot issue in academia and industry, and it is also a challenge for modern credit risk management. Based on the analysis of the credit risk of emerging technologies and emerging technology enterprises, this paper analyzes the characteristics of the enterprises, so as to provide decision-making basis for government, financial institutions and relevant management departments of emerging technology enterprises.