Commercial Bank Investment And Loan Cooperation Business Model

At present,the era of "mass entrepreneurship and mass innovation" has arrived.Science and technology innovation has continuously promoted the development of this era,and many enterprises with higher technological innovation capacity have emerged in the society.Meanwhile,the multi-level capital market gradually established has helped domestic commercial banks continue to accelerate their integrated operations,providing better financial services for scientific and creative enterprises.The banking participation in the "investment and loan linkage" and "joint stock and debt" businesses are already the development of the times Request.The traditional main business of domestic commercial banks is debt financing represented by loans.The linkage of investment and lending is an additional conditional equity financing business based on bond financing.Zhou Mubing,vice chairman of China Banking Regulatory Commission,made a clear statement at the State Council policy briefing in 2015: "The CBRC is studying how to promote the commercialization of commercial banks." In 2016,Zhou Mu-Bing once again said that the progress of investment and loan linkage has proceeded smoothly,and ten eligible commercial banks will also be piloted.The implementation of the innovation-driven development strategy has greatly promoted the development of investment and loan linkage business.Commercial banks carry out innovative services across markets,inter-institutional and cross-products with the mode of investment and loan linkage.However,this also gives commercial banks more new problems in terms of institutional mechanism,risk management and professionals,and the research needs to be re-established Way of thinking.Through effective cohesion of all kinds of resources in society,the formation of a reasonable linkage between investment and lending and the promotion of the linkage of investment and loan businesses have become a useful attempt by commercial banks to improve financial services,as well as their support for innovation and entrepreneurship Policy.This article studies the linkage of investment and loan from the perspective of commercial bank.After introducing relevant theories,this paper studies the system and model of investment and loan linkage.At the same time,this paper studies the model of foreign bank G and surveys the current situation of domestic bank B in the investment and loan linkage business.Comparing bank G with bank B,this paper show the commonness and difference.Thus,this paper analyzes the current situation of the linkage of the investment and loan of commercial bank.Through these studies,it researches the linkage between the investment and loan of our commercial bank Business problems,and then analyzes problems that arise.Ultimately,it puts forward the overall ideas and related recommendations to how to promote investment and loan linkage business development.