Research On The Optimization Of The “Science And Innovation Loan” Business Of The WH Branch Of Agricultural Bank Of China

"Made in China 2025" is inseparable from technological innovation enterprises,which complements China’s "double innovation" policy.Therefore,strengthening the support of science and technology "double innovation" enterprises has become one of the main tasks of the national strategy and financial system.The “Kechuang Loan” business of the Agricultural Bank of China WH Branch is a brand-new financial business.It provides financial assistance for small and medium-sized enterprises,and also promotes the development of credit business of WH branches.However,due to the short launch time of the “Kechuang Credit” business,there are still some problems to be solved.The purpose of this study is to find out the main problems in the development of the business through the analysis of the “Kechuang Loan” business of the Agricultural Bank of China WH Branch,and to optimize the specific environment and internal environment of the “Kechuang Loan”business.Suggest.In response to the international call to support technology-based SMEs,we will promote the better development of the “Kechuang Loan” business,and thus improve the profitability of the “Kechuang Loan” business of WH Branch.This research mainly relies on financial innovation theory,asset-liability management theory,inclusive financial theory,comprehensive use of case analysis method,literature research method,etc.to analyze the status quo and problems of the “Kechuang Credit” business of the Agricultural Bank of China WH Branch.This study mainly relies on financial innovation theory,asset liability management theory,inclusive finance theory,comprehensively uses case analysis method,literature research method,etc.to elaborate and analyze the current situation and problems of Agricultural Bank of China wh branch’s "science and technology innovation loan" business,and finally puts forward specific optimization suggestions from the risk control,cooperation mechanism,personnel,system level.The research draws the following conclusions:(1)The problem facing the development of the “Kechuang Credit” business of the Agricultural Bank of China WH Branch is that the“Kechuang Credit” business has not yet achieved effective linkage,and the business faces high investment risks and lacks perfect information sharing.Mechanisms,defects in the business’ s own development mechanism.(2)Even though the problems faced by ABC wh branch’s "science and technology innovation loan" business exist,through IFE / EFE analysis,we know that ABC wh branch has strong ability to avoid external risks and take advantage of external opportunities,and ABC wh branch’s "science and technologyinnovation loan" business optimization has the ability to make up internal disadvantages through internal advantages.(3)The main reason for the analysis lies in the lack of a sound business development system and institutional system.The current risk control system is not highly compatible with the “Kechuang Credit” business.The “Kechuang Credit” business lacks a smooth and effective cooperation platform,and the WH branch’s human resources system imperfect.(4)The optimization of the “Kechuang Credit” business of the Agricultural Bank of China WH Branch should build an advanced business risk control system,create a scientific and long-term “Kechuang loan” business cooperation mechanism,further improve the human resource management mechanism,and build a sound “ Science and Technology Credit" business operation management mechanism.