On The Risk Analysis Of Commercial Banks' Investment And Loan Linkage Business From The Perspective Of Beijing Bank

Since 2016,our government has actively encouraged domestic qualified banks to explore the investment and loan linkage business,the investment and loan linkage has been developed rapidly.Under the background of the rise of internet finance and the continuous penetration of non-bank financial institutions into the banking business,the investment and loan linkage mode can well realize the organic combination of the advantages of the traditional credit mode and the new momentum of equity linkage,and the combination of " creditor's rights + equity",so that the bank's traditional credit risk and the benefits brought by the rapid growth of high-quality small and medium-sized enterprises form a hedge relationship.On the one hand,it can achieve the purpose of bank credit risk diversification,on the other hand,it can also meet the financing needs of innovative enterprises,and alleviate the financing difficulties of small and medium-sized enterprises.At present,there are many factors that affect the development of China's bank investment and loan linkage business,among which the most important factor is the various complex and uncertain risks existing in the process of business promotion.Bank of Beijing,as the domestic leader in exploring "investment and loan linkage" business,has developed rapidly.In the end of 2017,it has handled a total of4.976 billion RMB of stock option loan business,accounting for nearly half of the scale of internal and external investment and loan linkage business and serving 404 clients of innovative enterprise.Under this background,aiming at the rapid rise of investment and loan linkage business for innovative small and medium-sized enterprises in China in recent years,combining with the specific case of bank of Beijing investment and loan linkage,this paper uses the methods of quantitative analysis and qualitative analysis to carry out in-depth theoretical analysis and empirical evaluation on the relevant risks of investment and loan linkage business at this stage.Firstly,this paper introduces the present situation and risk of investment and loan linkage business in China.Secondly,it introduces the specific operation of the investment and loan linkage business of bank of Beijing;Thirdly,based on the financial data of bank of Beijing annual report in recent years,combining micro-analysis with macro-analysis,the paper sorts out the complicated influencingfactors of investment and loan linkage in Beijing.Using AHP-gram model and fuzzy analytic hierarchy process,the paper constructs the empirical analysis framework of "environmental risk-transaction risk-equity linkage risk",obtains the risk degree of each risk factor through questionnaire and relevant literature,carries out fuzzy evaluation,and calculates the risk grade of investment and loan linkage in bank of Beijing by weighted average.Finally,based on the analysis of the risk prevention methods of the bank of Beijing investment and loan linkage business,from the bank's point of view,the paper puts forward some suggestions on the prevention of related risks,so as to provide a reference for the bank to further promote the investment and loan linkage business.