Research On The Development Of Science And Technology Finance Business Of Beijing Bank

Science and technology are the booster of social progress,the powerful power of the country,the foundation of enterprise growth and the source of innovation-driven development;finance is the core of modern economy,the important tool of national macro-control,and plays a powerful role in promoting economic development.The combination of science and technology and finance constitutes the most active factor in promoting the development of productive forces,if there is no financial right.In the effective docking of scientific and technological innovation,the situation that science and technology are subject to human beings will not change,the driving force of economic growth will not be able to complete the transformation of "innovation-driven",and the development of the national economy will remain at the extensive and low-level level.Therefore,it is necessary to combine science and technology with finance,which are the two most important productivity factors,to strengthen the financial support ability for science and technology industry,and to improve the allocation efficiency of financial resources for science and technology innovation.Science and technology financial business is an effective means to solve this problem.Therefore,the state invests a large amount of financial resources in scientific research institutes such as academies of science,universities and technical research institutes,ignoring the innovative ability of many small and medium-sized science and technology enterprises.Premier Li Keqiang's proposal of "mass entrepreneurship,mass innovation" fully illustrates that science and technology enterprises also have certain innovative potential,and play an inestimable role in the road of scientific and technological innovation in China.Especially the current popular IT technology,artificial intelligence technology,mobile communication technology and so on.However,science and technology enterprises are facing the phenomenon of "no way to finance,no way to borrow" and the problems of high financing cost and high financing threshold are ubiquitous.Although the government,venture capital institutions,lending companies,banks and other social institutions have given more or less help to technological enterprises,they all have their own limitations.As the main body of China's financial market,commercial banks have a large amount of social idle funds,and their scientific and technological financial resources are relatively rich and their development potential is relatively deep.Therefore,from the perspective of commercial banks,this paper mainly studies the development of technology finance business of commercial banks.As we all know,commercial banks' operating style is mainly safety,liquidity and profitability,while the production and operation of scientific and technological enterprises are characterized by high risk and lack of collateral.The conflict of interests between the two sides is obvious,and scientific and technological enterprises naturally become the object of commercial banks' loan-cherishing.In this way,how to balance the conflicts and differences between commercial banks and technology-based enterprises,and how to strengthen the support of commercial banks for technology-based enterprises,not only to ensure the safety of bank funds,but also to enable technology-based enterprises to obtain financing has become very critical.In view of this,this paper chooses Beijing Bank,which is a typical bank in the development of domestic science and technology finance business,as the case study object,and focuses on the analysis of the development content of Beijing Bank's science and technology finance business.Firstly,this paper combs and summarizes the relevant literature of science and technology finance business at home and abroad,and insights into the latest developments of international research on science and technology finance.In the process of sorting out the literature,the relevant theoretical system of economists has been introduced as the support of the paper,which makes the research content of this paper more convincing.The second part is the introduction of the case,focusing on the two modes of Beijing Bank's science and technology finance business: credit operation mode and investment-credit linkage mode.The two modes are analyzed in detail from six aspects: market positioning,service system,product design,profit-making mode,risk prevention and exit mode,and the science and technology finance business of Silicon Valley Bank is included in the scope of study.Through comparative analysis at home and abroad,China Merchants Bank and Pudong Development Bank are introduced to conduct comparative analysis in the same industry,with a view to discovering the problems and reasons of Beijing Bank in the field of science and technology finance,and giving corresponding countermeasures and suggestions for its improvement and perfection.At the same time,the author has innovated and expanded the current investment-credit linkage business model,and created the operation model of "investment-credit linkage + online supply chain finance",which is a highlight of this paper.Finally,according to the research situation of this paper,the author puts forward nine-year development plan for the development of investment-loan linkage business of Beijing Bank,which has certain guiding significance.