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科技型中小企业是实现经济高质量发展的重要力量。近年来，江西省实施“科贷通”风险补偿政策，积极运用科技金融创新产品，解决科技型中小企业融资成本高、融资渠道窄等难题。然而，现行政策尚未完全发挥出良好的经济效应，仍存在政策精准度不足、银行机构经营与风控压力大、地方科技部门执行困难等一系列问题。建议从优化企业条件、强化系统平台支撑、完善省市联动机制、推动政银协同管理等方面进一步优化政策运行机制，同时通过加强投融资对接服务、建立信息咨询体系等途径强化企业服务支持，为科技型中小企业高质量发展赋能。

Technology-based small and medium-sized enterprises are a crucial force in achieving high-quality economic development.In recent years, Jiangxi Province has implemented a risk compensation policy for its“Kedaitong”(a sci-tech loan program),while actively utilizing technology-based financial innovation products to address challenges such as high financing costs and limited financing channels for technology-based small and medium-sized enterprises.This policy, however, has not yet fully exerted its positive economic effects, and there are still a series of problems including insufficient policy precision, heavy operational and risk control pressure on banking institutions, and difficulties in implementation by local science and technology departments.Therefore, it is recommended that more efforts should be made to optimize the policy operation mechanism by improving enterprise conditions, strengthening system platform support, perfecting the provincial-municipal interactive mechanism, and promoting collaborative management between government and banks.It is also necessary to strengthen service support for enterprises through enhancing investment-financing matching services and establishing an information consultation system, in order to empower technology-based small and medium-sized enterprises for high-quality development.