Research On The Operation And Management Of The Investment And Loan Linkage Business Of N Bank Science And Technology Branch

China's commercial banks and other financial institutions have a large number of idle deposits has not been used effectively,while the majority of SME loans were no worry,causing them to miss the opportunity.We carry out research on this problem,through careful analysis of the Silicon Valley investment bank loan mode operation mechanism,we should develop science and technology in accordance with the rules of our market banking model,such as the development of science and technology has an independent legal personality of the bank,because the Bank of technology can play an effective role to solve SME financing also,can allow commercial banks to maximize the economic benefits in providing loans for SME financing,the bank's own financial resources to be effectively used,so as to realize the "win-win".N bank technology branch is a branch of science and technology branch,which is based on policy support to serve small and medium enterprises in science and technology.It is the typical representative of Nanjing science and technology finance.This paper analyzes the innovation model and risk control of science and technology finance from N bank science and technology branch.According to the experience of Silicon Valley bank mode,this paper puts forward some ideas and suggestions for perfecting and optimizing the innovation mode of science and technology finance in China,so as to provide references for further improving the financial system of science and technology and promoting the development of science and technology finance,helping to solve the financing difficulties and financing problems of China's technology SMEs.Therefore,the research on Financing Innovation Based on science and technology small and medium enterprises has both theoretical and practical significance.The content of this paper is started from two parts of theory and practice.Based on the research object of N bank's branch of technology,by analyzing its business mode,system structure and risk control process,it analyzes its existing problems and causes,and puts forward corresponding strategies and suggestions.