| In the continuous development and transformation of China’s financial industry,the spread of deposits and loans of commercial banks has narrowed and profit growth has slowed down,while the development of SMEs has faced the problem of " funding difficulties and expensive financing".Commercial banks adjust their business structure and develop long-tail customers are the way to solve development problems,and also help solve the financing problems faced by SMEs.However,due to information asymmetry,there is an invisible barrier between commercial banks and SMEs.To solve these problems,the "joint-to-equity"equity financing model has not only theoretical value,but also has strong practical signi ficance.This paper selects the P-Bank Guangzhou Branch to cooperate with two different equity investment institutions to conduct the "dual investment and loan linkage" case of Z Comany as the research object,and to the motivation,success factors,performance and risk control of“dual investment and loan linkage".A more conmrehensive analysis.Firstly,it introduces the main body of investment and loan linkage,the motivation of investment and loan linkage,the mode,process and result of "dual investment and loan linkage".Secondly,it analyzes the success of investment and loan linkage:Z company has the conditions of investment and loan linkage,G investment management company s correct judgment and recommendation,P Bank Guangzhou Branch has advanced mechanism of investment and loan linkage;Third,through performance analysis to verify the results of investment and loan linkage,including the theoretical capitalization of investment and loan linkage to Z company capitalization Advantages of time,comparative analysis of the financial situation irmrovement and comany valuation improvement before and after the Z company s investment and loan linkage,P Bank Guangzhou Branch’s business risk reduction and profit increase;Fourth,explored the risk control of investment and loan linkage;,proposed the revelation and suggestions of investment and loan linkage.This paper takes the successful investment and loan linkage case of P Bank Guangzhou Branch to study the successful experience of the investment and loan linkage model in the practice process,and provides practical and feasible financing model suggestions for SMEs,which can effectively alleviate the problem of" funding difficulties and financing expensive".It also seeks investment channels for investors in mass production.The research results of this paper put forward some practical practical suggestions for the perfect investment and loan linkage model of P Bank Guangzhou Branch,which has certain reference function for the peers and provides an effective business model for commercial banks to develop long tail customers. |
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