Research On Credit Product Innovation Of A Technology Bank

In recent years,technological enterprise,especially the small and medium sized enterprises of technology have been a hot issue.Because chinese capital market is still not perfect,the only way small and medium sized enterprises can choose is bank loans,but the small and medium sized enterprises have unique characteristics such as light assets which makes banks reluctant to give finance to the small and medium sized enterprises.As a result,the state introduced policies to require the establishment of technology bank,the design of specialized channels for approval,specialized credit products and preferential lending rates to effectively solve the financing difficulties of the small and medium sized enterprises of technology.However,although the establishment of the bank promotes the development of the small and medium sized enterprises of technology,but the technology bank still exists many problems,the lack of credit product innovation which affects the financing problems in small and medium sized enterprises is particularly prominent.Based on the analysis of domestic and foreign literature and data,we take A technology bank as a case to analyse the problem of the technology of credit products,and put forward suggestions for the design of credit product innovation.This paper has five parts.The first part is the introduction,which mainly introduces the significance of the topic,the research status at home and abroad,literature review.The second part is about the theoretical analysis of credit product innovation design of technology bank.The third part is the status and case analysis.First,we introduce credit status of technology Banks of Nanjing.Then through the data and diagrams,we analyse credit status of A technology Bank.at last,we introduce the case of B enterprise in enterprise,analyse the whole procedure from application to approval and how A technology bank design a credit product for B enterprise.In the fourth part,through the analysis of related datas and the specific case,A technology bank credit products mainly exist:the shortage of credit products innovation,innovative credit products can not meet the different stages of the enterprise's capital needs,credit model is too simple,and so on.and secondly,we analyse the causes of defects include:information asymmetry,risk mismatch,and the lack of risk management system and bank staff structure inside the bank.The fifth part is the countermeasure research,through the research on credit products in A technology bank,and the combination of domestic and foreign commercial banks'design experience and good practices in the credit product,put forward suggestions for the design of credit product innovation of A technology bank,include:the design of different credit innovation products for different stages of development,bulid a platform of Internet for credit product model,as well as design credit innovative products from the angle of interest rate.