中文摘要：

美国硅谷银行以贷款支持高科技中小企业而闻名，成为国内科技银行学习的模板。笔者对当前国内关于硅谷银行的观点进行了剖析，纠正了对硅谷银行不正确的认识，阐明了硅谷银行在股权投资、债权投资以及贷款支持创业投资机构发展的正确做法，指出硅谷银行只提供债权资金，不提供股权投资，其支持投资机构的贷款实际上针对个人的短期信用贷款；并从理论角度对硅谷银行敢于支持早期阶段高科技企业的原因给出了一个全新解释，认为硅谷银行成功的原因在于解决了银行开展信贷业务存在的五个关键问题，即价值发现、价值评估、金融创新、风险控制和违约贷款处置，从而保证了银行资金的安全性和盈利性；最后指出了我国科技银行应该借鉴和学〉-j硅谷银行的哪些做法和经验。

英文摘要：

The Silicon Valley Bank of USA is well known for providing loans to high-tech small and medium enterprises, and becomes a model for domestic science ＆ technology bank. This paper analyzes the current viewpoints about Silicon Valley Bank in China, corrects the domestic viewpoints about the Silicon Valley bank that is not correctly understood, and clarifies the correct ments and loans to support the development of venture capital approach in the equity investment, debt investinstitutions of Silicon Valley Bank, points out that Silicon Valley Bank only provides loans not equity, and the loans for venture capital are actually for the individual＇s short-term credit loans; and a new theory is proposed to explain the the reason why Silicon Valley Bank dares to support the high-tech enterprises in early stage, and the reason for success of Silicon Valley Bank is that it solves five key problems in cial innovation, risk control and bank funds. Finally, it is pointed Valley Bank. disposal credit business of the bank, namely value found, valuation, finanof loan default, so as to ensure the security and profitability of the out what science and technology banks in China should learn from Silicon