W Bank Investment And Loan Linkage Business Case

It is a common topic for small and micro enterprises that financing is difficult and expensive.In particular,as a high-tech R &D-based,asset light scientific and technological enterprises always have financing difficulties.At the same time,commercial banks in the financial environment,the bank's traditional credit profits are decreasing,so it is urgent to innovate the way of profit.At this time,a new "equity + creditor's rights" investment approach has entered the vision of commercial banks.By making up for the loss of creditor's rights through equity earnings,it has brought new impetus to the field of scientific and technological innovation of our country while increasing the profits of commercial banks,and further increased the strength of financial services to the real economy.Many commercial banks set up investment funds in China,cooperate with third-party equity investment institutions and set up wholly-owned subsidiaries overseas to carry out investment and loan linkage business.In 2016,CBRC issued guidance on supporting banking financial institutions to strengthen innovation and carry out pilot projects of investment and loan linkage in science and technology innovation enterprises,marking that the Party Central Committee has taken the investment and loan linkage business as a major national strategic measure,and the development of investment and loan linkage business in China has entered an accelerated stage.While the investment and loan linkage business is developing in full swing,many new problems gradually arise,such as how to better identify and control the risks brought by the investment and loan linkage business development.This paper takes bank of Beijing as an example to analyze its business model,market positioning,product design,risk and risk control.In the risk analysis,the quantitative analysis is made with AHP.After the analysis of the case,from the two levels of the government and the bank,we can get the case enlightenment and suggestions brought by the investment and loan linkage business of Bank of Beijing.Strive to get the general test experience of investment and loan linkage business,and better serve the investment and loan linkage business.