Research On The Development Countermeasures Of Credit Business Of A Bank

At the Davos Forum in September 2014,Premier Li Keqiang made the call for "public entrepreneurship innovation" for the first time in public places.Since then,Premier Li Keqiang has been in the first World Internet Conference,the State Council executive meeting and various occasions Times to elaborate on this keyword,"innovation" has become a national level of strategic layout.The innovation and development of high-tech enterprises is of great significance to the accelerated transformation of China's economic structure and the establishment of independent innovation system.Correspondingly,the financial system should also give high-tech enterprises to develop financial support,science and technology branch is the financial system to support an important manifestation.This article will be a bank Tianan Science and Technology Branch as the object of this article,and learn from other parts of the country,especially the United States Silicon Valley,the advanced model and experience of Tianan Science and Technology Branch of the current development,and then explore the overall construction and promotion of science and technology banks The efficient way.In this paper,we use the methods of literature reading and case analysis to study the Tian'an Science and Technology Branch,from the background and significance of the topic,analyze the relevant concepts of science and technology banks and the research status at home and abroad,study the current status of Tian'an sub-And put forward some problems,including the lack of targeted scientific and technological products,science and technology credit business scale is not high,credit and credit conditions are more stringent,etc.,in part because of lack of product innovation and approval process there is a certain obstacle And then on this basis,proposed Tianan Science and Technology Branch of the countermeasures and suggestions,including the promotion of scientific and technological financial products,innovation,simplify the approval process and reduce financing costs,strengthen the training of personnel and institutional cooperation and sound to promote legal development and policy support.The research of this paper can really help the technology bank to solve the current overall efficiency is low,weak innovation and other issues,and suffered a strong impact on the Internet financial under the premise of improving the overall competitiveness of banks,and truly looking for high-tech SMEs financing difficulties The effective method of science and technology banks in China's healthy development to provide a good practical significance and learn from the results.