Support The Development Of Enterprises By Investment Loan Linkage

In 21 st Century,with the rapid development of Internet technology,a large number of new technologies have risen rapidly.The new technologies,such as large data and artificial intelligence,have been widely used in all walks of life.The rapid development of science and technology has brought convenience to people,but also promoted the transformation and upgrading of traditional industries.The traditional financial industry is also rapidly pushed to the top of the reform.How to take the latest technology wave and guide financial ecology is the key to the innovation of financial industry.In 2017,in order to increase innovation,the nineteen major report of the party proposed that the establishment of an innovative country in China requires strong financial support,and the development of science and technology finance is the only way.In order to better implement the national development strategy driven by innovation and to increase the support for the development of the enterprise,the main financial supervision departments of China,the people's Bank of China,China Banking Regulatory Commission and the Ministry of science and technology of China jointly issued a pilot project on supporting banking financial institutions to increase innovation and launch a pilot joint venture.Guiding opinions.For the first time,the guidance proposal put forward the joint development plan of the lending and lending development,encouraged and guided the banking financial institutions to carry out the pilot project of the loan linkage,and established the first 5 pilot areas and 10 pilot banking financial institutions.From then on,the loan linkage business was carried out like a raging fire.On the basis of the previous research,this paper,based on the two main subjects of commercial banks and scientific and technological enterprises,explores the necessity of lending linkage to support the enterprise and its research status and typical operation mode.On this basis,this paper takes the H bank to carry out the loan linkage business of A technology company as an example.Its operation mode,operation process,risk control and other aspects are aimed at analyzing the typical cases of H bank to A technology company to carry out loan linkage business,and analyze the common or individual problems faced by the commercial banks in our country to carry out the loan linkage business of the company.Finally,we put forward the countermeasures to speed up the joint venture between the commercial banks and the scientific and technological enterprises,so as to further implement the innovation drive and promote the common development of the enterprise and the banking industry.