Research On The Suggestion Of Bank Z To Support The Financing Of Scientific And Technological Enterprises From The Perspective Of Investment And Loan Linkage

With the continuous promotion of interest rate marketization reform,the profitability of commercial banks shows a downward trend.As a representative of innovation and development,science and innovation enterprises are an important force to promote national economic development.However,due to the characteristics of science and technology innovation enterprises,they are generally difficult to finance.The emergence of the investment and loan linkage model can not only expand the business field of commercial banks,increase the income of commercial banks,but also effectively alleviate the financing constraints faced by scientific and technological enterprises,and continuously provide financial support for enterprises.Therefore,this paper studies and analyzes the bank's investment and loan linkage business,and puts forward more competitive countermeasures for China's investment and loan linkage business The transformation and development of banks and the improvement of the financing environment of scientific and technological enterprises are of great strategic significance.The paper analyzes the relevant content of investment and loan linkage to support the financing of science and technology enterprises,and theoretically illustrates the role of investment and loan linkage business for science and technology enterprises.On this basis,the specific pilot bank Z bank is taken as an example.Analyzed the development status and related cases of Bank Z's investment and loan linkage business to support the financing of science and technology enterprises.At the same time,it used AHP to analyze the risk of Bank Z's investment and loan linkage business,and found that compared with the traditional credit business of banks,the use of investment Loan linkage business supports the risk of financing for science and technology enterprises,so investment and loan linkage is an important business to support science and technology enterprises.Bank Z has many advantages in the investment and loan linkage business,including rich experience in science and technology finance,and a scientific business service system.However,as China 's investment and loan linkage business started late and was the first batch of pilot banks,Bank Z also has problems such as insufficient innovation in the investment-loan linkage model and an imperfect risk control system.Bank Z should continue to improve the risk assessment and management system,innovate the investment and loan linkage business development model and mortgage guarantee method,improve the investment and loan linkage mechanism construction,and optimize the equity trading system to improve its investment and loan while maintaining the advantages of the investment and loan linkage business.Problems in the development of the linkage business.The innovation of the thesis lies in the introduction of quantitative analysis method,the use of analytic hierarchy process to quantify the risks in the process of investment and loan linkage business.At the same time,this paper selects Bank Z for case analysis,and takes the investment and loan linkage business of Bank Z as the research object The representativeness and pertinence can better promote the development of the investment and loan linkage business of Bank Z,and also provide specific ideas for other regional banks to carry out investment and loan linkage business.