Research On The Development Of Science And Technology Financial Service System Of Bank Of China Suzhou Branch

In recent years, for the current domestic economic situation and international practice, the state issued a series of policies to support science and technology enterprises and measures, in particular the situation and planning since early 2015 proposed a "public entrepreneurship and innovation", "Made in China 2025", " Internet + ", and increasingly popular, as nationwide consensus. However, expensive high-tech enterprise financing Financing Difficulties remains pervasive. In the case of China’s financial system dominant position for the new high-tech enterprises, gradually lost financing from banks to give credit support to commercial banks is not strong, simply rely on financial support and other forms of public financing, also due to circumstances or insufficient reserve funds broken capital chain suppress rapid development of enterprises. So in order to fit the market demand and achieve strategic transformation of Bank of China Suzhou Branch development, companies need to gradually adjust to the science and technology enterprises as the main target of credit, increase the Suzhou Industrial Park, science and technology enterprises of credit services and other financial products and services. Enhance awareness investigation and research, based on scientific analysis perspective to review the enterprise market. Good service for science and technology enterprises docking, for those who have the potential, accurate fall to the corporate credit business model can be considered as a strategic business cooperation and development. Bank of China Suzhou Branch of the original "Technology and Finance Suzhou Mode" from the rules and regulations, organizational structure, assessment system, staffing, and other aspects of business-driven technology finance a useful exploration. At the same time, we also see the current Bank of China branch in Suzhou technology financial model there are many problems. Based on the SWOT analysis, the Bank of China issue Suzhou Branch of science and technology financial services model, the status of in-depth research on the connotation of science and technology finance further analysis, at the same time, the study of the Bank of China branch in Suzhou science and technology financial services model from based on the market research, improve customer Full lifecycle services capabilities, establish internal and external expert database, the establishment of new investment and loans exhibition industry linkage mode, optimize the approval system, optimize the loan risk compensation mechanism, the implementation of due diligence exemption system put forward seven optimization ideas and suggestions.