Research On Venture Loan Products Developed Of N Bank Science And Technology Branch

In recent years,with the rapid growth of the business of technology-based SMEs,SMEs play a very important role in the economic operation of our country,especially in the aspects of increasing social employment opportunities,activating the market,optimizing the industrial structure,and promoting the rapid and stable growth of the economy.In the current economic environment,the problem of financing difficult financing is common in the small and medium sized enterprises of science and technology.As a commercial bank,which is the main financing channel for small and medium sized enterprises,it is an inevitable choice to deepen the reform,carry out business innovation,and develop the joint product of lending and lending.This paper mainly studies the development of the loan linkage product development of N bank science and technology branch,which is based on the use of SWOT analysis and the analysis of the life cycle characteristics of scientific and technological small and medium-sized enterprises.First,it puts forward the problems according to the current situation of the development of N bank's branch of science and technology branch business.The necessity and feasibility are analyzed.Then,according to the three main modes of financing demand and loan linkage in different stages of the life cycle,the loan linkage product system is designed to meet the actual demand.Finally,to reduce the N bank science and technology branch to implement the loan linkage products.In the process of implementing loan and loan products,we should pay attention to the problems,and ensure that N bank science and technology branch can carry out smoothly in practice.On the one hand,the development of N bank science and technology branch loan linkage products widens the profit model and product system of commercial banks.On the other hand,it also adds vitality to the development of scientific and technological small and medium-sized enterprises,and realizes the cooperation and win-win cooperation between commercial banks and small and medium-sized enterprises of Science and technology.