| In the long-term rapid development,commercial banks in China have developed low risk tolerance,low profits prudent credit system.In which,the evaluation of projects are based on past layout,cash flow as well as the value of collateral.Credit funds will get involved at the middle and later period,aiming to achieve the goal of risk management for a certain single,large money-invested yet low profits project.Meanwhile,some science and technology innovation enterprises are high risk companies,because of this,commercial banks are lacking in good ways for providing financial support.In terms of the relationship between economy development and innovation of technology and finance,seeking to explore new relationship between finance and industry is vital.With the aid of investment and loan linkage business,commercial banks are trying to provide new drive for current economical development.From the research sense,Experimental works of commercial banks in China,without doubt,is of great significance and long-influential.However,the openness of equity investment of commercial banks in middle and small-sizes technological and innovative enterprises,together with investment and loan linkage business,will certainly brings associated risks and derived risks.in this regard,risk management is crucial,so commercial banks have to understand the reliance between financial innovation and risk management.Meanwhile,realizing and tracking new risks that innovation brings will help commercial banks to take some effective measures.In research methods,through the multidisciplinary theoretical analysis,historical analysis,SWOT analysis,normative legal document analysis and comparative analysis,the main body legal relation data table visualization analysis of a variety of methods,the overview of commercial bank investment and loans linkage and legal risk and the regulation on more detailed studies.In the aspect of the research content,Introduction to the main commercial Banks investment and loans linkage on the background,literature review,research methods and routes,and expounds the deficiency,The first chapter will demonstrate the definition,the theoretical basis,the origin and the SWOT analysis,meanwhile study deeply about the influence of investment and loans of commercial banks,The second chapter according to the train of thought “legal risks of commercial banks--principal part of investment and loan of commercial banks--legal relationship between commercial banks and other main parts--legal risks of investment and loans of commercial banks”.Additionally,on the basis of “inner-outer” analytic structure,the third chapter will provide several regulation suggestions.According to the research conclusion,the investment and loan linkage business of commercial banks is of great significance,thus we should pay enough attention to risk management as we are processing in financial innovation,and we have to take certain effective and efficient measures to avoid legal risks. |
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