Case Study On Beijing Bank Investment And Loan Linkage Mode

With the market-oriented interest rate reform is nearing completion,the acceleration of the Internet Financial tide and the real economy continued to adjust,China's commercial banks face the narrow margin,the decline in operating efficiency,increasing the pressure of transformation and other challenges.In these situations,the business and actively carry out financial innovation,try to cooperate with the equity investment and equity investment institutions,try to combine the basis of the original credit financing,the funds for enterprise development branch early,high return to offset current credit risk in the future investment,investment loan linkage came into being.In 2016 the State Council "government work report",Premier Keqiang Li explicitly proposed to start investment loan linkage pilot;in April 2016,the CBRC,the Ministry of science and technology,the people's Bank of Chinese jointly issued "on the guidance" to support the banking financial institutions to increase innovation efforts to carry out the pilot enterprise innovation investment loan linkage,investment loan linkage officially became the strong support of banks to develop new business blue ocean the.Since the investment loan linkage pilot has in the past year,from the current situation,investment loan linkage did not run smoothly,there are still many problems.Therefore,research and investment loan linkage mode to alleviate the difficult problem of corporate finance innovation has a very important significance for commercial banks to expand business boundary,ease credit etc..This analysis method of theory and practice of combining case,introduces the related theories and research,overview of the theory of investment loan linkage operation mode,main operation mode,including the existing investment loan linkage characteristics and problems.Then the investment loan linkage operation mode of China's current practice of investment loan linkage is the most typical of the Bank of Beijing,and carries on the case analysis,content analysis model,including market positioning,service system,profit model,risk control,exercise exit investment loan linkage,and find out the problems existing in the current mode of operation.At the same time,the founder of the six aspectsof investment loan linkage operation mode in comparison with the above-Silicon Valley bank,Beijing bank investment loan linkage mode advantage,provide inspiration for China's commercial banks and other government departments.At the end of this paper,put forward some related suggestions to improve Beijing bank investment loan linkage operation mode.I hope that through this article,can continue to develop stable and help commercial bank's investment loan linkage.