The Research Of Cultural Industry Financing Model Innovation Of ICBC Dalian Branch

As we all know, Cultural Industry in China starts very late. Therefore, in order to have a brighter developing future, it is necessary to create an efficient growing environment. Beyond that, the development of Cultural Industry has a more and more closing relationship with economy. Especially for these years, financing investment and equity trading for Cultural Industry has become a very popular researching topic. As an important part of national economy, Cultural Industry greatly meets the requirement of optimizing industry structure, which plays a significant role in expending internal requirements, upgrading structure, and promoting development.From 2010, Cultural Industry has become one of the confirmed four biggest new credit markets in ICBC. The head office of ICBC and all its branches put lots of emphasis on resources of credit availabilities in Cultural Industry. Therefore, exploring and solving the common problem of "assets despising, knowledge over emphasizing, mortgage challenging, and financing difficulty" in Cultural Industry have become an important kick point, when ICBC Dalian branch competing with other competitors in the same industry for cultural industry financing innovation. By collecting and analyzing the related reference with the combination of ICBC credit policy and self thinking, this paper will summarize the problems and defects of current Cultural Industry financing and create a set of cultural industry financing model, which is available for ICBC Dalian branch. This article mainly focuses on these six aspects for research,namely the breakthrough of credit policy,innovation of secure method,regulatory review,measurement of the source of repayment,customers select conditions,loan management after draw down,to carry out cultural industry financing model innovation through three aspect:Firstly,the recombination and innovation of traditional bank credit products.Second,to take the assets exchange method to promote cultural industries’ financing.Third,to increase supports for cultural consumption,cultural industries’upstream and downstream industries to promote cultural financing.