Research On The Development Of Science And Technology Financial Business In Commercial Banks

"13th Five-Year" period is to achieve China's construction of innovative countries and financial innovation and development of an important period.Promote the combination of science and technology and finance,China is in the next period of time need to seriously implement the work done.The level of technological progress and financial closely linked,can not do without financial support.In recent years,the development of science and technology financial business has become the highlight of commercial banks,science and technology sub-branches,science and technology banks,science and technology,financial and other financial services and other specialized financial services institutions have set up,effectively promoted the effective combination of finance and technology.On the one hand,the traditional commercial banks profit model is single,business philosophy behind,operating a higher degree of similarity,faced with an urgent need for development and transformation.On the other hand,for a long time,small and medium-sized enterprises in science and technology enterprises in the development and growth process requires a lot of money investment,but financing has become a constraint to its development is a major stumbling block.The traditional commercial banks due to the management model,science and technology credit system and other reasons,the lack of support for small and medium-sized science and technology enterprises,coupled with its business model and institutional constraints and small and medium-sized science and technology of their own poor quality,direct financing channels Smoothing,financing "anxious,small,frequency" and other factors,resulting in traditional commercial banks on the SME loans are not open enough financing space,so that many scientific research is limited to the theoretical level,the conversion rate is low,leading to science and technology The development of small and medium enterprises is difficult.According to the domestic and foreign research results and the development of advanced technology and financial experience,combined with China's specific national conditions can be drawn,financial and technological integration is an important direction for the development of China's banking industry transformation.For commercial banks,the development of science and technology finance is conducive to broaden the banking profit channels,optimize the income structure;for small and medium-sized science and technology enterprises,to provide a more convenient new financing,especially the start-up of small and medium-sized science and technology,To alleviate its urgent demand for capital needs to ease the financing of the problem,to promote the effective transformation of scientific and technological achievements,science and technology and financial effective combination has played a positive role in promoting.The development of science and technology financial business has become a traditional commercial banks to change the mode of development of the main means.On the basis of the existing research at home and abroad,this paper combs the relevant literature and theoretical research results.Secondly,it analyzes and summarizes the current situation of the development of science and technology financial business of commercial banks both at home and abroad,as well as the status of foreign banks such as "Silicon Valley Bank" This paper analyzes the development of China's commercial banks in the development of science and technology financial business,and explores the new ideas of the development of science and technology financial business of commercial banks in China.Thirdly,through the development of China's commercial banks,the development of China's commercial banks,This paper analyzes the problems existing in the development of China's commercial banks from the perspective of the demand side of the commercial banks and the supply side of the commercial banks,namely,the commercial banks and the small and medium-sized enterprises of science and technology.The analysis of China's commercial banks The development of science and technology and the scientific and technological innovation based on the Bootstrap data simulation method Granger causality test model to analyze the financial and technology related relations;Fifth,the conclusion of this paper,put forward China's commercial silver Some suggestions and measures to finance the development of science and technology,as well as making financial outlook for the business development of China's commercial banks Technology.Based on the status of the development of science and technology financial business of domestic and foreign commercial banks,this paper draws lessons from the successful experience of the development of science and technology financial business of "Silicon Valley Bank" and the exploration of the development of science and technology financial business in China's commercial banks,and discusses the development of science and technology,Practice,pointing out the problems existing in the development of China's commercial banks' technology and financial business,studying the relationship between science and technology finance and scientific and technological innovation,and puts forward corresponding countermeasures and suggestions for the development of China's commercial banks.It has a certain reference for China's commercial banks to explore new ideas for the development of science and technology business with Chinese characteristics.