A Research On Loan Pricing And Operation Mode Of Technology Bank

At present in our country, small and medium-sized enterprises (SME) play a decisive role in employment, technological innovation and product research and development (R&D). Practitioners of SME account for64.7%and total profit of SME account for56.9%.65%invention patents,75%technical innovation and80%product development is done by SME, among this the technology oriented SME play a crucial role. The vigorous development of SME cannot do without financial support, and science and technology enterprises acquired through formal channels of funds will not be sufficient to support its development operation. Sci-tech banking as a specialized service financial institutions for SME, plays a very important role to provide financial support for the development of SME of science and technology in foreign countries. In our country, because technology-finance development lags behind, the financial system is not perfect and other reasons, Chinese technology bank started late, but the science and technology branches have become product innovation base for technology-finance, these branches offer services for sci-tech small and medium-sized enterprise, realize the innovation of cooperation mode between technology and finance, and alleviate the SME financing difficult "disease".In2011, the Shandong province established the first sci-tech branch-Weihai City Commercial Bank Gaoxin branch, since its inception, reference to the operating model of America Silicon Valley banks, the government built technology enterprise financing platform, and government and Guarantee Corporation cooperate to control risk and benefits, and support SME create innovation, to promote the development of Shandong Peninsula blue economic zone at the same time.This thesis takes Weihai City Commercial Bank Gaoxin Branch for example, introduces the loan pricing and operation mode of technology bank. Firstly, SME are quite crucial for technology innovation. But the support from the finance is not adequate. From this background, there is a brief description of the theoretical and realistic significance, and the main content of the article, researching methods, possible innovation and insufficient. Secondly, reviewing the existing literature about the relationship between finance and technology innovation in domestic and foreign. Summarizing the main viewpoint of scientific and technological enterprises financing. Thirdly, there is a brief description of the main theory and method of loan pricing in common bank. Emphasis is put on the loan flow path and the general pattern of technological loan to introduce the operational mode of technology bank. This chapter is based on the RAROC model to measure interest rate levels, associated with the feature of scientific and technological type SME, introducing the fuzzy comprehensive evaluation method, taking the risk of every scientific and technological enterprise into a specific and effective consideration, improving the accuracy of loan pricing, decrease the loan risk of bank. As the first technology bank of Shandong province, Weihai City Commercial Bank Gaoxin Branch blazes a way in financing for scientific and technological type SME via product innovation and corporation with government. Fourthly, operation mode is introduced in detail from innovative products, multi-aspect corporation, enterprise risk index measurement and post-loan risk measurement. And pricing analysis is illustrated combined with method of loan pricing in last chapter for different enterprises. In the last chapter but one, cases on intellectual property impawn loaning in Weihai City Commercial Bank Technology Branch are analyzed in particular. Eventually, according to the conclusions drawn by the above, related policy and recommendation, and outlook of the research in the future is provided.