Research On China's Commercial Banking Business Development And Investment Loan Linkage

At present,China's macroeconomic reform has entered a deep-water zone,facing an increasingly intertwined situation of external conflicts and internal risks,and the overall economic growth rate has slowed down.Looking ahead,the Chinese economy will still face the dilemma of internal structural risks and confrontation between large external countries.The macro leverage ratio,especially in the non-financial corporate sector,is still high,credit risk will be exposed more quickly during the peak period of debt repayment,and the problem of financing the real economy,especially private enterprises,will become more acute.Commercial banks are also facing greater pressure for transformation.In response to the changes in the domestic and external environment,China is constantly adjusting and optimizing its policy orientation,easing its monetary policy margin,boosting domestic demand through tax cuts and fees,and constantly adjusting its financial supervision to reduce the impact on the market.And the policy of alleviating the structural problems such as the difficulty of financing small and medium-sized science and innovation enterprises has been accelerated.With the strong support of the state for the growth of information technology,advanced manufacturing,high-end equipment and other industries,the phenomenon of "difficult and expensive financing" for small and medium-sized enterprises with science and technology has become a hindrance to the effective promotion of related policies.Based on this background,commercial banks can engage in equity risk investment in some industries by developing their own investment and loan linkage business models.On the one hand,they can enrich their own business models to better withstand external risks,and on the other hand,they can reasonably use innovative means to support SMEs in financing.It is beneficial to support its operation and development,so that the financial services of commercial banks will return to their source.Commercial banks have carried out radiation development across multiple markets,joint institutions,and operating multiple products through the business model of investment and loan linkage.They have benefited from the implementation of various innovation-driven development policies of the country and the needs of improving the transition process of the real economy.However,the investment and loan linkage is not yet mature for the development of commercial banks in China,and there are many links worth optimizing and perfecting about institutional construction,wind control management,and talents.This paper studies the China's development of investment and loan linkage business from the perspective of commercial banks.Based on the combination of relevant literature and theory,and the relevant internal and external data,the paper summarizes the current situation and existing problems in the operation of the linkage business of commercial banks in China.Through the case study method,we can see that the commercial bank investment and loan linkage business has already produced a certain promotion effect on the real economy under the existing model.And further advanced experience of the standard developed countries,finally put forward the development of China's commercial bank investment and loan linkage business,comprehensive promotion of innovative ideas and related suggestions.