中文摘要：

建立了基于加权风险收益的中小科技企业贷款组合优化决策模型．该模型依据贷款组合单位风险权重收益最大的基本思想、结合科技企业特点、国家对科技企业扶持的政策等，采用CreditRisk＋模型测量风险，有效地控制了对科技企业贷款的风险，为科技企业贷款决策提供了选择方法．

英文摘要：

In this paper, we present a loans portfolio optimization model for High-technology industry. This model is based on maximizing the unit risk-weighted portfolio returns, consider featurcs of technology companies, the state policy of support for high-technology industry and so on, using CreditRisk ＋ models measure risk. At last, numerical studies reveal the effectiveness of our model.