The Research About Financing To Science And Technology Innovation Enterprise Of M Bank

Under the background of Widespread entrepreneurship and innovation,Commercial banks begin to carry out investment loan linkage business.which is the key measure on the road of the transformation and development of commercial banks.this approach of"debt + equity” is not only regarded as a breakthrough on the process of commercial banks comprehensive management.but also an important try to ease the financing difficulties of scientific and technological innovation enterprises.At present,Generally,The enterprise's financing channel mainly include commercial bank loans,equity investments,venture capital institutions,state and local governments as well as self financing.Unfortunately,there are serious limitations of these financing channels.investment loan linkage compared with the above several financing channels,which greatly defuse the financing pressure of enterprises,through the way of combining with the credit and equity investment,to meet the needs of the survival and development of enterprises.At the same time,it broadens the profit channels of commercial banks,and conforms to the needs of the business transformation of commercial banks,enhance the ability of commercial banks to integrate their own financial services,and better serve the development of the real economy.Through the analysis of the present situation,the feasibility of China's commercial banks to carry out investment loan linkage to support technological innovation oriented enterprises financing.we studied from microcosmic angle comparison.More specifically,it is specific to a particular bank,in a certain area,to explore what conditions need to be met when the investment loan linkage implement smoothly.then the investment and loan primary and secondary how to divide? "Cast" and "loan" how linkage? In the process of investment loan linkage "investment" and "loan" risks and benefits how to balance?These problems are deeply thought and studied.Ofcourse,the conditions are different and the conclusions are different naturally.Different banks for different enterprises to carry out investment loan linkage business,there will be a variety of problems.So we chose a representative bank of research.M bank is located in shanghai,is a dedicated service branch enterprise technology bank,has been as a pioneer of china's banking reform,so we chose the M bank as our research object.According to the actual situation of M bank,by analyzing the current situation of M bank investment and loans to carry out joint operations,and its business model investment loan linkage is decomposed,and the income risk analysis of M bank,what are the advantage and disadvantages in investment and loans to carry out joint operations,which need improvement,in the implementation of the process may encounter difficulties and challenges,and puts forward some relevant suggestions.