Research On The Development Status And Strategy Of J Bank Suzhou Branch Technology Finance Business

The "Thirteenth Five-Year Plan" is a crucial period for completing China's construction of an innovative country.During this period,how to integrate financial and scientific technologies efficiently,thereby supporting the development of science and technology enterprises and promoting the transformation and upgrading of China's economic structure,is particularly important.From the perspective of commercial banks,the development of technology finance business can enable banks to obtain more business growth points;from the perspective of enterprises,the development of commercial banking technology finance business is easy to expand new financing methods,and it will promote the transformation of scientific and technological achievements.Promotion.The development of technology finance business has become one of the most important ways for commercial banks to transform their traditional development models.Based on the current researches of scholars at home and abroad,based on the literature and theoretical research results,this paper analyzes domestic and foreign businesses by taking the example of Silicon Valley Bank,German Universal Bank and Guarantee Bank,Hangzhou Bank and Guiyang Bank.The current situation of the development of banking technology finance business,in order to seek new ideas for the development of technology finance business of J Bank Suzhou Branch.Based on the overview of the development status of the technology finance business of the domestic branch of J Bank Suzhou Branch,from the perspectives of organizational structure,policy adjustment,risk factors and benefit factors,the current problems of the technology banking business of J Bank Suzhou Branch are explored in detail,and each The cause of the problem.Through the analysis of the problems and causes of the current technology banking business of J Bank Suzhou Branch,the development strategy of the technology banking business of J Bank Suzhou Branch is pointed out,which is mainly reflected in the adjustment of the structure of science and technology financial organization,the improvement of the policy guarantee of technology finance business,and the improvement of technology finance.In terms of business risk mechanism and increasing the income of technology finance business,we also strengthened the countermeasures for the development of technology finance business of J Bank Suzhou Branch from the perspective of the mature experience of foreign banks.The research on the status quo and strategy of commercial banking technology business development in this paper shows that in the current era,the conditions for commercial banks to vigorously develop technology finance business tend to mature,and support the development of science and technology enterprises,not only in response to the' call of the state to support the development of the real economy.It is also the strategic need for China to become an innovative country,and it is also the demand for the transformation and development of commercial banks.The research of the thesis not only provides certain countermeasures for the development of J Bank's technology finance business,but also provides a reference for how other commercial banks in China develop technology finance business.