Research On Risk Management Of Investment And Loan Linkage Of Zhongguancun Bank

With the end of interest rate liberalization reform,the continuous adjustment of the real economy,and the acceleration of Internet finance wave,China's commercial Banks are facing challenges such as narrowing interest rate spread,declining income and overall profit,and increasing pressure of transformation.Faced with these challenges,commercial Banks actively carry out financial innovation,organically combine with equity investment on the basis of original credit financing,inject funds into small and medium-sized enterprises in the early stage of development,and offset the current credit risk with the high return of their future investment.Therefore,commercial Banks have emerged a new type of business-lending linkage.However,due to the lack of experience and supervision,as well as the high risk of service objects,the problem of risk management of co-lending business has not been effectively solved.Therefore,this paper studies how to improve the risk management of co-lending business of commercial Banks.In this paper,based on existing research and related theory found that TouDai linkage in solving our country commercial bank business transformation and middle and small-sized enterprises financing difficulties on these two problems can play a positive role,but in TouDai linkage,commercial Banks due to inexperience and a lack of policy specification,is facing many risks,and the risk of bank traditional control methods can not effectively reduce or contain these risks.Therefore,this paper USES case analysis method to select the case of zhongguancun bank's loan linkage business to company A.Firstly,it designs A risk assessment model specifically applicable to the access of the loan linkage project,and identifies the comprehensive risks of A company's loan linkage business and whether it is suitable for carrying out the loan linkage business.Then it analyzes the possible risk points after the project is carried out,analyzes the risk control measures taken by zhongguancun bank for the project,and puts forward the risk control Suggestions to improve the business.The innovation points and main contributions of this paper are:(1)this paper chooses the research perspective with practical value.That is to say,this paper is different from the general scholars' macro research on the linkage of lending,but focuses on the case of the linkage of lending,and analyzes the risk problems of the linkage of lending from the perspective of practical operation.(2)the cases selected in this paper are unique.Different from traditional Banks,zhongguancun Bank is a GP Bank,which is dedicated to providing innovative lending linkage services to small and medium-sized high-tech and innovative enterprises.Therefore,to carry on the concrete case analysis,has the strong representativeness,the application and the reference significance.(3)this paper designs a project access risk evaluation model,which is specially used by Banks to conduct loan and investment linkage to middle and small-sized enterprises enterprises.This model can analyze the development potential of future enterprises from the perspective of investment and reasonably evaluate the comprehensive risks of smes.(4)this paper puts forward three targeted opinions on the loan linkage business of zhongguancun bank,which can effectively help the development of the loan linkage business of zhongguancun bank.It is hoped that the research results of this paper can provide ideas for other commercial Banks to carry out the combined lending business and contribute to the improvement of the risk management system of China's commercial Banks' combined lending business.