An Analysis Of The Financial Effects Of The Joint Loan Business Of My Country's Commercial Banks

For a long time,China has always had the problem of financing difficulties for small and medium-sized scientific and technological innovation-oriented enterprises.In order to improve its financing environment,a series of policies have been introduced by the government,among which pilot integrated investing and lending business for commercial banks has received tremendous attention since introduced.In order to ensure that integrated investing and lending business for commercial banks can be carried out smoothly and its strategic significance is fully realized,it is of vital practical significance to study whether the integrated investing and lending business for commercial banks can improve the financial position of small and medium-sized scientific and technological innovation-oriented enterprises as well as whether it can deliver positive return to banks.Firstly,starting with the internal and external conditions of China’s commercial banks to carry out joint investing and lending business,this paper analyzes the economic,industrial,legal and regulatory environment of China’s banks to launch investment and lending,and expounds the necessity and current situation of China’s banks to carry out investing and lending business at the same time.Secondly,taking Bank of Beijing as the case,this paper introduces its mode of integrated investing and lending business and points out the problems existed in the integrated business of the BOB,believing that banks with sufficient capital should adopt the model of establishing investment subsidiaries to carry out the integrated investing and lending business,while small and medium-sized banks are more suitable for adopting stock right loans.Then,this paper uses the F-score model to quantify the financial health of the company,and adopts the analytic hierarchy process to construct the bank’s comprehensive performance indicators.It is found that the integrated investing and lending business can significantly improve the financial status of scientific and technological innovation-oriented enterprises and delivers obvious financial optimization strength,it also imposes a significant impact on the performance of commercial banks.Finally,on the basis of the above analysis,we put forward targeted policy recommendations for the investment banking business of China’s commercial banks from the macro and bank micro levels.