Research On The Risk Management Of Commercial Bank After The Practice Of Venture Capital And Loan Linkage

Under the background of financial globalization and strict supervision,the profitability of the traditional business of Chinese commercial banks has shrunk.Commercial banks are facing the "three shortages",which are asset shortages,deposits,and income shortages,and "three major pressures".In the wave of popular entrepreneurship and innovation,SMEs still face the severe problem of "financing difficulties and expensive financing".This has become a key issue concerning the rise and fall of China's innovation industry.In this context,commercial banks' investment and loan linkages have become a powerful way for banks to invest in equity investment.They can solve their own problems while creating innovative financing models for SMEs,which in return can effectively support the development of enterprises and industries.However,"prevention of major risks" has become the main theme of financial supervision.The first step in promoting any business innovation is to prevent risks.As a new exercise of banks to support the economic development of the entities,risk management and control of loan-linked business have become a top priority.The high-growth nature of SMEs is also accompanied by high-risk characteristics.Traditional bank risk management and control systems can no longer meet risk control requirements of the new investment model.Under such circumstances,there is an urgent need to explore a more scientific risk assessment method and risk management and control measures.Based on this,this paper mainly studies the risk management of commercial bank's investment and loan-linked practice.This paper first applied theoretical knowledge of economics to analyze and explore the investment and loan linkage business.It is believed that the investment and loan linkage is a necessary condition for the financing support of science and technology companies in different life cycles.It is explained that current business investment and loan linkage business can be mainly divided into "direct investment in subsidiaries" mode and "option loan" mode,and the key to its business promotion lies in conducting effective risk assessment and risk control.This paper constructs a risk index matrix using the analytic hierarchy process to calculate the weights.And establish the investment and loan linkage risk index score criteria,thus constructing a risk assessment model for investment and loan linkage.At the same time,this paper uses the field investigation case of the bank's investment and loan linkage business to test the model.Through the trial calculation of the risk assessment model of the investment and loan linkage business,the effectiveness and practicability of the model are confirmed.The results indicate that the model is suitable for promotion and investment.Loan linkage risk management practice has certain reference significance.On this basis,this paper further studied the risk management and control measures for investment and lending in the Silicon Valley Bank of the United States,which proposed a risk management and control mechanism and emphasized the significance of the construction of investment and loan linkage business ecosystem.