Research On The Development Of Investment Loan Linkage Business In Bank Of Beijing

China's current economic and financial environment,the slowdown in economic growth,overcapacity,real economic leverage ratio is high,the government proposed a supply side reform;interest rate market,the decline in the real economy,the financial impact of the Internet and the increasingly stringent regulation caused by commercial bank profit decline,its face transition;SME financing expensive financing,financing needs innovation to find a suitable way.The present stage of economic development needs,in line with the supply side reform;improve the operating efficiency of commercial banks;financial innovation model to solve the financing difficulty of small and medium-sized enterprises is imminent.In the public venture,the highly innovative and comprehensive banking management background,investment loan linkage business came into being,through "equity + creditor's rights",to alleviate the risks and benefits of commercial banks to support small and medium enterprises in the extreme,the plight of the business is business investment loan linkage.The bank's debt and equity investment business innovation ",is conducive to commercial banks to expand business channels,is conducive to commercial banks to create profits,there is conducive to diversification of commercial banks,is conducive to the development of commercial banks.The transformation of business investment loan linkage to solve the financing problems of small and medium-sized enterprises,to create a good environment for the financing of small and medium-sized enterprises the increase of financing of small and medium-sized enterprises financing channels,is conducive to the further development of SMEs in China.However,investment loan linkage business of China's commercial banks in the pilot state,commercial banks" shares of creditor's rights investment pattern exist many problems,this paper makes a case study on business investment loan linkage of the Bank of Beijing,aims to analyze the existence of the Bank of Beijing in business investment loan linkage problems,and further put forward the development strategy of the Bank of Beijing business investment loan linkage.Based on the foreign investment loan linkage leading experience,and strive toexplore the suitable joint development strategy.Beijing Investment Bank of Beijing banks to clear investment loan linkage market positioning,the Bank of Beijing to optimize risk control mechanism,the establishment of investment loan linkage information sharing mechanism,construction investment loan linkage professional talent,innovation and development mode of investment loan linkage can be considered the park platform development fund the Bank of Beijing to the innovation of small and medium-sized enterprises collateral way,and ultimately the formation of Business Bank of Beijing competitive sector.This strategy is not only a series of Bank of Beijing,but also effective for our other pilot investment loan linkage of commercial bank.