Research On XY Bank's Investment And Loan Linkage Business Model For Science And Technology Enterprises

Our country's economy is in a critical period of transformation and upgrading,internal and external environment complex,old and new kinetic energy switch,the innovation-driven development strategy is put forward,The 18 th national congress of the communist party of china put forward that scientific and technological enterprise as an important subject of entrepreneurial innovation,its power is significant,how to provide sufficient funds to support for scientific and technological enterprise,become an important task of our country's financial institutions face.Our country's financial system is based on bank as the main body of the indirect financial system,compared with other financial institutions,Banks have sufficient funds,a wide range of customers,perfect risk control system,etc advantages,therefore,fully arouse the enthusiasm of the Chinese banking industry to win the enterprise financing,play an important role of banking in scientific and technological enterprise financing,is particularly important.At the same time,today,with the Market-oriented reform of interest Rate deepening,the banking industry rely on spreads to earn profits is the era of the drifting away,along with the sweeping into of foreign Banks,the rise of emerging financial forms such as the Internet financial all poses a challenge to the development of traditional banking in China,the banking sector is an urgent need to transformation of business model,seeking a new blue ocean.Linkage of investment and loan as a new business model,since launched in 2016 by the national pilot,after recent years of development has accumulated certain experience,in promoting the scientific and technological enterprise development has played a positive role,but compared with western developed countries,our country's linkage of investment and loan business is still in its infancy,when Banks promote linkage of investment and loan is often limited by the traditional credit thinking,“little to loan” and “afraid to investment”.Based on the theory the linkage of investment and loan along with related policy,in the silicon valley bank linkage of investment and loan patterns are summarized,the small and medium-sized enterprise growth fund mode,the current main linkage of investment and loan mode in China's banking industry,based on the combination of the XY bank linkage of investment and loan business current situation,problems and causes,and try to design a set of linkage of investment and loan for the XY bank business model,and puts forward the concrete implementation measures.Finally,the conclusion is drawn: XY bank should define its own position,integrate internal and external resources,deepen cooperation with external professional investment institutions,change the traditional credit thinking to carry out investment and loan linkage business,and establish investment concept.In order to in promoting the development of the XY bank linkage of investment and loan business at the same time,also provide a reference for other commercial bank linkage of investment and loan development business,ultimately promote scientific and technological enterprise financing and develop the new profit growth point for commercial banks.