Research On The Mode Of J Bank Venture Loan

With the arrival of the interest rate market,and the trend of rapid development of Internet banking,the traditional operation mode which only relys on the interest spread mainly faces great challenges,exploring the integrated management of commercial banks has become the only way which must be passed in transition.In this context,the commercial banks have been involved in the field of risk investment,exploratory developping innovative business like investment loan linkage.In the realization of the strategic transformation and development,they actively guide the credit resources to invest in the real economy,and provide new impetus for social and economic development.This paper aims to in-depth analysis of the business model of investment loan linkage.Based on the conditions of the J bank,suggestions and countermeasures for the development of investment loan linkage are given for the J bank.After the introduction of the research background of this paper,firstly in the second chapter analyzes the favorable and unfavorable conditions of J bank to carry out the investment loan linkage business from a multi dimension.Then in the third chapter summarizes five kinds of representative model of investment loan linkage at home and abroad,and through the method of case analysis,elaborated the advantages and disadvantages of these five kinds of investment loan linkage.And in the fourth chapter,through the comprehensive analysis of the preceding chapters and current status of the J bank,the specific countermeasures are given for J bank to carry out investment loan linkage.In general,investment loan linkage business of commercial banks in China is still in the exploratory stage,and each kind of investment loan linkage models exist advantages and disadvantages.J bank has a greater advantage in the enterprise customer base,science and technology innovation institutions specializing in financial construction,risk control ability,local government policy,and so on.At the same time,in view of the achieved results of J bank in large data applications,the suggestion of achieve a breakthrough in the development of business investment loan linkage by the establishment of large data equity investment platform is given at the last of the paper.