The Research Of The Linkage Of Investment And Loan Development Of Commercial Bank In China

China's economy has a "new normal" economy shift into the medium-high-speed development period,the economic downturn,the enterprise operating efficiency decline,enterprise credit debt default increase,which will have adverse effects on the quality of bank credit assets.Faced with this situation,banks must explore new models to reduce credit risk exposure.The emergence and development of Internet banking not only weakened the commercial bank payment function,but also accelerated the commercial bank financial disintermediation,prompting commercial banks to conduct business innovation,to seek better and more long-term development.The implementation of national innovation driven development strategy,promote vigorously the "innovation and public entrepreneurship peoples",the emergence of a large number of Technology-Innovation enterprises,but due to the characteristics of the asset light,high risk and the future development uncertainty of the Technology-Innovation enterprise leading to financing difficulties.To play the role of the banking financial institutions to development of the Technology-Innovation enterprise,the CBRC and other three departments to encourage and guide the banking financial institutions to carry out the linkage of investment and loan.The supply side structural reform has also brought new opportunities for the development of commercial banks,by actively expanding the linkage of investment and loan to the Technology-Innovation enterprise,enables commercial banks to enter new market segments to achieve its own transformation.In this paper,through the analysis of SWOT,mode and a case of the linkage of investment and loan development of commercial bank in China,find out the current development the problem of the linkage of investment and loan development of commercial bank in China,and puts forward some measures to promote the sustainable and healthy development of the linkage of investment and loan of commercial bank in China.This article through the literature review method introduces briefly current bank linkage of investment and loan pattern and regulatory theory research results,this paper is to study the development of commercial banks in China to pave the way for the linkage of investment and loan;using the methods of comparative analysis of the linkage of investment and loan development of China's commercial banks the advantages and disadvantages of each pattern are compared,the Commercial Bank of our country through the establishment of investment and finance of science and technology branch of the franchise branch to carry out the linkage of investment and loan is legitimate,the ultimate mode,while the development of the linkage of investment and loan of China's commercial banks need to choose according to the bank's own linkage of investment and loan mode,for the risk bearing ability of the bank should combine the internal and external the linkage of investment and loan pattern,better play the advantages of different modes of the linkage of investment and loan;The risk tolerance of weak banks try to establish the linkage of investment and loan can carry out the choice of investment fund with other enterprise and risk investment institutions pattern.Through case analysis,combining different models into the design case,showing a complete process,and analyze the current linkage of investment and loan development of commercial banks in China,and puts forward some countermeasures for disadvantage and facing problems of banks to carry out the.linkage of investment and loan.