Research On Risk And Control Of Investment Loan Linkage Business Of China's Commercial Banks

At present,in the global context of the "new economy" era driven by science and technology,science and technology innovation enterprises of all sizes are thriving.However,due to the lack of mortgageable fixed assets,mismatch between the term of credit and bank credit,strong uncertainty of risk and return and other characteristics of science and technology innovation enterprises,financing difficulties are increasingly prominent.In addition,with the interest rate liberalization,the further opening of the capital market and the rapid development of Internet finance,the traditional banking business and profit model have been impacted.In April 2016,the CBRC,the ministry of science and technology and the people's bank of China jointly issued the guiding opinions on supporting banking financial institutions to increase innovation efforts and carry out pilot projects for investment and loan linkage of science and technology innovation enterprises,encouraging commercial Banks to actively explore investment and loan linkage business and improve the level of science and technology financial services.Is is not only conducive to science and innovation enterprises to expand financing channels and solve financing problems,but also can effectively promote the transformation and development of China's commercial Banks and improve the comprehensive operation ability and financial service level.However,as the development of the investment-loan linkage industry is still in the exploratory stage,the uncertainty and immeasurability of its risks,as well as the transmission and diffusion of the risks that may be caused,have seriously hindered the further development of the business and impacted the stability of the entire financial market.Therefore,this paper studies the risk and risk control mechanism of investment-loan linkage business,and puts forward prevention and control measures and suggestions.In this paper,firstly,the connotation and characteristics of the investment-loan linkage business are expounded,the development process and scale of the investment and loan linkage business of China's commercial Banks are introduced,the main business model and existing problems are analyzed.Secondly,based on the analysis of the current situation,this paper analyzes and summarizes various risks faced by China's commercial Banks in carrying out this business from the perspectives of source,business model and development stage.Then,through to the United States,Britain,France investment and loan linkage business model characteristics,internal risk control experience and the analysis of the external regulation strategy,to design a suitable for our country commercial bank investment and loan linkage business of risk control mechanism,institutions and funds of risk isolation mechanism is analyzed and expounded.Finally,based on the actual situation of China,some policy suggestions are given from the aspects of legal system and supervision,capital market system construction,inter-agency cooperation,business mechanism and risk management ability,so as to promote the further development of investment and loan linkage business of China's commercial Banks.