Analysis Of Linkage Operation Mode Of Investment And Loan Of Commercial Banks In China

The investment and loan linkage is the innovative model to alleviate the financing difficulty of the innovative small micro-enterprises.It is the commercial bank that provide credit support to their clients,and Joint private equity investment,venture capital or start-up investment institutions through the purchase of equity invest in clients at the same time,Forming the relationship between equity and debt financing,supporting innovative small micro enterprises.United private equity investment or venture capital,venture capital and other institutions through equity investment clients,the formation of equity and debt financing linked to the relationship between the joint support of innovative small micro-enterprises.April 21,2016,the Banking Regulatory Commission,the Ministry of Science and Technology and the People's Bank of China jointly issued the "to support banking institutions to increase innovation efforts to carry out the pilot branch of enterprise investment and loan linkage" guidance,published 5 pilot regions and 10 pilot banks,marking the launch of the pilot-loan linkage.The investment and loan linkage not only can provide the innovation path for the small micro-enterprise financing,but also can optimize the income structure for the Commercial bank,improve the service mode,widen the integrated business scope and improve the service professionalism.This paper tries to construct a kind of "small micro Enterprise Growth Fund",which accords with China's national conditions,and adapts to the development needs of branch-created enterprises.In strict accordance with the 2012 National financial Professional Degree postgraduate Education Steering Committee approved the second meeting of the financial master's degree thesis writing guidelines required to be organized and written.Firstly,this paper introduces the background and significance of the research,through the research of relevant literatures at home and abroad,carding the related knowledge of the investment and loan linkage business,and summarize the main innovation points of the thesis briefly.Then the second part combs the current situation of China's investment and loan linkage business,and compares and analyzes the existing three kinds of operation modes of investment and loan linkage in China The main problems to be answered and solved in this paper are as follows: China's investment and loan linkage operation mode still has many obstacles in risk management and system construction.Based on this problem,the paper analyzes the deep reasons of the problem from the perspective of asset-liability maturity structure,risk isolation and intellectual property identification.The third part of the United States,Britain and other typical countries,this paper analyzes the Silicon Valley Bank and the project of "Small Enterprise Investment Company" in the foreign investment and loan linkage business,and analyzes and sums up the valuable experience which can be replicated and promoted by foreign investment and loan linkage business,and provides experience for the innovation of China's commercial banks ' investment and loan linkage mode.The Forth part designs the investment and loan linkage financial service mode of "branch creation small micro Enterprise Growth Fund" in our Country Commercial Bank,discusses the function design and development goal of each main body in detail,and carries on the feasibility analysis.Part five puts forward the related policy system of promoting the combination of equity creditor's rights in the investment and loan linkage business of commercial banks.The sixth part is the conclusion of the article.