Research On Risk Control Of Commercial Bank Investment And Loan Linkage Business

With the end of interest rate marketization reform and the development of financial internationalization,the pressure on commercial banks is increasing due to the impact of factors such as the narrowing of the deposit and loan spreads.At the same time,under the background of scientific and technological innovation development,the financing difficulties faced by small and medium-sized enterprises in the development of science and technology still exist.The solution to this problem is directly related to whether the innovation industry can continue to develop.On this basis,in the development of equity investment in commercial banks,investment and loan linkage is one of the powerful weapons,helping to alleviate their own shortcomings,innovating and broadening the financing channels for science and technology SMEs,and providing financial support for enterprise development.As a new exploration of the banking industry to support the development of the real economy,investment and loan linkage business has become the key to risk management.Therefore,in the development of commercial banks,they should combine their own reality and build a systematic and complete risk assessment method on the basis of satisfying the characteristics of investment and loan linkage business.This paper takes the risk control of the investment and loan linkage business carried out by Bank of China on Company X as a research object.Based on the systematic review of relevant theories,it analyzes and studies the domestic and foreign investment and loan linkage business models and risk management systems.Taking the investment and loan linkage business carried out by Bank of China on Company X as the main analysis case,using the analytic hierarchy process,first,the risk index matrix is constructed to calculate the weights and the investment and loan linkage risk index score criteria,and then the investment and loan linkage project access is constructed Risk assessment model.Thirdly,according to the constructed project access risk assessment model,the Bank of China identified the risks of the investment and loan linkage business of Company X,and pointed out its applicability to the investment and loan linkage business.On this basis,analyze the risk factors existing after the implementation of the project.In the face of this project,the Bank of China may launch risk measures and propose countermeasures to further improve business risk prevention and control.Finally,based on the case study,the paper believes that the risk control of the investment and loan linkage business of Bank of China X Company needs to be improved from the following aspects: First,establish an enterprise information database and strengthen the information disclosure system.At the level of establishing a small and medium-sized enterprise information database,Bank of China can cooperate with institutions such as equity investment;in terms of information disclosure,the focus is on disclosure of asset fluctuations and cash flow,and based on these data,a corporate information rating model is built To establish a complete information rating system.The second is to establish a multi-party guarantee mechanism and expand the variety of mortgages.On the one hand,Bank of China should establish a multi-party guarantee mechanism and build a financing guarantee system for investment-loan linkage projects.On the other hand,Bank of China can expand the variety of mortga ges.The third is to improve the firewall isolation system.Set up "fund firewall","information firewall","personal firewall".The fourth is to accelerate the construction of specialized teams and reserve professional talents.