Analysis On The Development Of H Bank Investment And Loan Linkage Business

In recent years,China’s interest rate marketization process has been accelerating,and the development environment of commercial banks has undergone major changes.The previous business ideas have not been well integrated with the new market environment,and commercial banks have greater pressure of transformation.In addition,with the gradual implementation of China’s innovation-driven strategic initiatives,a large number of technological innovation and entrepreneurship enterprises(hereinafter referred to as “science and technology enterprises”)have been cultivated,but the high-risk and high-growth nature of science and technology enterprises are conflict the traditional business philosophy of commercial banks,which make it difficult to obtain financial support from commercial banks.Therefore,in order to solve this development dilemma,the investment and loan linkage business has entered the vision of the regulatory authorities,and has begun to actively promote commercial banks to try the investment and loan linkage business.On the one hand,it can promote the transformation of commercial banking business,on the other hand,improve the financial environment of science and technology enterprises.Recently,commercial banks have supported the development of science and technology enterprises and the investment and loan linkage business has developed rapidly.H Bank is characterized by science and technology finance and has adopted a series of measures to support the development and growth of science and technology enterprises.As the first batch of pilot projects for investment and loan linkage business,H Bank has served more than 2,500 science and technology enterprises so far,and has issued more than 160 billion loans.Through in-depth study and summarization of experience and deficiencies,it can provide useful reference for other commercial banks to carry out this business.This paper starts with the practical significance of investment and loan linkage business for China’s commercial banks and science and technology enterprises at the present stage.Firstly,it summarizes the concept of investment and loan linkage and business model,and briefly summarizes the development history of China’s investment and loan linkage business.Secondly,it introduces the development of H Bank’s investment and loan linkage business,explains the main business models and specificdevelopment measures of H Bank,and focuses on the business situation of the technology branch.Then the enterprise life cycle theory is used to analyze the development ideas of H-bank investment and loan linkage business.In addition,a representative case is selected for in-depth study.What’s more,the source of income,exit method and risk management and control measures of H Bank’s investment and loan linkage business are analyzed in detail,and the lack of financial product innovation and independence in business development are pointed out.In the end,the paper puts forward some countermeasures and suggestions for the problems faced by H Bank’s investment and loan linkage business development,and provides reference for the scientific development of the investment and loan linkage business.