The Optimization And Upgrading Of The Investment And Loan Linkage Model Of Commercial Banks In China

With the advance of China's macroeconomic reform and the call of "public entrepreneurship and innovation," China's banking industry,in order to support the national macroeconomic reform needs,also found new opportunities for its own development,the CBRC,the Central People's Bank,the Ministry of Science and Technology in 2016 April jointly issued the "Guidance on Supporting the Innovation of the Banking Financial Institutions to Carry out the Pilot Project of Investment Loan Linkage" which has been highly concerned with the banking industry in China,and has opened up a wave of business innovation and development.This article stands in the position of China's commercial banks to discuss the optimization and upgrading of investment and loan linkage.First of all,it introduces the theoretical and practical background of the research,and then introduces the advanced experience of Silicon Valley Bank,and has obtained useful revelation.The paper analyzes the key problems and the positive significance to solving these problems.Finally,it puts forward the concrete suggestion of optimizing and upgrading the linkage model in three levels.Firstly,this paper argues that traditional debt financing thinking should be modified from the system and concept level.The system and concept have a fundamental role in the implementation of business,so special thinking and adjustment are needed.Second,China's commercial banks should be in the talent structure,the role of positioning and industry-oriented concept of change,and according to changes in the objective requirements of the market,adjust the relevant concepts and systems in time.Thirdly,the existing investment and loan linkage realization forms are bank around a third party,in this range,there are still new operation models to do beneficial supplement:1.The financial leasing market development potential is huge,but the lack of access to channels of risk compensation,it restricts the development of leasing industry.Banks can use equity investment group subsidiary of leasing companies to provide financial support,not only can solve investment and loan linkage zero income during the period of equity investment in the subsidiary,and more importantly,widening the financing channel of leasing company,conducive to the development of financing lease,which have the effect of support the real economy;2.Banks to participate in the PPP projects,the project is accepted into the operating period by asset refinancing of source of funds for repayment,solve the problems of the registered capital of the project company financing difficulties,leveraged financing leverage;3.The "parenting bank + equity investment subsidiary" mode,should set up the special account,in female line investment deposit premium income which,when there was a bad loans,offset the loss of the principal by the account money to achieve the purpose of "to the investment to promote lending".