Research On The Development Of Scientific And Creative Loan Business Of Bank M

Under the background of supply-side structural reform in new economy and new normal countries,commercial banks,as the core financial resource of modern economic development,are playing an important role in serving the development of real economy and society.However,with the development of interest rate marketization,the traditional business model of commercial banks is facing severe challenges.It is urgent to innovate the management model,financial product system and service.Establishment of diversified and light asset management and development model to better serve the development of the real economy.In the background of mass entrepreneurship and the era of the innovation of the masses,the linkage model of the combination of investment and loan linkage business innovation with the credit and equity investment of commercial banks can effectively broaden the financing channels of the small and medium-sized enterprises,and push the science and technology innovation kinetic energy of the science and technology innovation enterprise from the source.At the same time,commercial banks can make use of higher equity investment income to compensate for the risk loss of capital cost,and realize the win-win situation between commercial banks and small and medium-sized scientific and technological innovation enterprises.As a concrete extension of the joint investment and loan business,the "Ke Chuang Loan" business refers to the creditor defineds rights financing for the high growth with investment value or investment potential,The business model of integrated financial services,such as financing,settlement,cash management and advisory services,can be obtained in the future by adding specific conditions of conversion or subscription options,or direct equity investment under the premise of policy.In this paper,based on the practice of M Bank,the background and necessity of M Bank defineds business development are analyzed.Then,by analyzing the general situation of the development of M Bank defineds "Ke Chuang loan" business,the present situation and problems in the process of business development are analyzed,and the specific reasons are analyzed in combination with the actual situation of M Bank.Then according to the specific business development status quo from different angles to promote M Bank to carry out the development of "Ke Chuang Loan" business development proposals.By establishing perfect business development system and risk control system,setting up perfect business cooperation and sharing mechanism and strengthening the construction of perfect human resource system,this paper effectively boosts the development of M Bank defineds "Ke Chuang Loan" business.Improve the development system of investment and loan linkage,fully implement inclusive finance,and then provide a reference for the commercial banks in the development of joint investment and lending business.