Study On Technology-Based Small And Medium-Sized Enterprise Investment And Loan Linkage Mode Of Chinese Commercial Banks

With the development of China economy,technology-based SMES depends on its own characteristics and advantages rapidly develop.Most of them have high risk,so that our commercial banks would not like to offer them money.These enterprises are facing many financing difficulties.At the same time,with the opening up of financial environment in China,the interest rate liberalization and the impact of the Internet financial,the dominant position of commercial banks has been greatly affected Our commercial banks are facing business transformation."Investment and loan linkage" as the bridge between them,this innovative business not only can solve the difficulties of enterprise credit business,but also can promote business innovation and business transformation of commercial banks.This paper takes the commercial bank for SME investment loan linkage model as the research object.Comprehensive use of various research methods,such as literature review,case analysis and so on,detailed analysis of China's commercial banks to carry out investment loan linkage business necessity and feasibility,operation status and operation mode.And detailed analysis the investment and loan linkage mode of Beijing bank.Carry out five problems of the investment and loan linkage of commercial banks.Including the imitations of relevant domestic laws and policies;Risk control measures need to be improved;It is difficult for commercial banks to obtain high returns that match high risks;Lack of information sharing mechanism and professional talents.At last,this paper analyzes the model and successful experience of Silicon Valley bank in America and puts forward five concrete suggestions and general ideas for investment loan linkage business.Including improving the relevant regulatory system;Building a sound risk prevention and control system;Strengthen cooperation between commercial banks and venture capital institutions;Establish a professional team of qualified personnel;establish a professional personnel team.