| In recent years,with the support of national policies,the sci-tech finance business has received unprecedented attention.The report of the 18 th and the 19 th National Congress of the Communist Party of China emphasized that "scientific and technological innovation is the strategic support for improving social productivity and overall national strength,and must be placed at the core of the overall development of the country." "Strongly implement the innovation-driven development strategy and accelerate the construction of innovative country." This series of policies has brought great benefits to the development of technology-based enterprises,and it has also brought new opportunities and challenges to commercial banks that are the primary means of financing technology-based enterprises.In this environment,in order to better provide high-quality services for technology-based enterprises,"sci-tech financial business" emerged as an innovative financial model.In recent years,based on the advanced experience of “Silicon Valley Bank”,domestic commercial banks have continuously explored domestic technology finance business,and the banking financial institutions’ technology finance business has gradually developed.H Bank is a city commercial bank headquartered in Wuhan.This paper takes the development of its sci-tech financial business as the research object.Firstly,it analyzes the development of Wuhan sci-tech financial enterprises and H Bank’s sci-tech financial business,laying a foundation for the analysis of its development.Then,starting from internal and external factors,SWOT analysis method was used to analyze and summarize the advantages,disadvantages,opportunities and threats of its business development.In order to avoid the ambiguity of qualitative analysis,this paper selects 50 experts who are familiar with the sci-tech financial business to form an expert scoring group.In the form of questionnaires,through expert scoring methods,quantitative criteria for determining the advantages,disadvantages,opportunities and threats are determined.And based on the scoring data to construct a judgment matrix,it is concluded that H Bank’s technology finance business should make full use of external opportunities and make up for internal weaknesses.H Bank should make full use of the strong support of national and local policies and the financing needs of SMEs、Wuhan Science and Technology Finance Public Platform and the geographical advantages of the adjacent high-tech management committee,while actively making up for the internal disadvantages of small credit scale,insufficient customer screening,insufficient product innovation,inadequate risk system,lack of talent team construction and strong regional dependence.In order to provide development strategy for H Bank’s sci-tech financial business,based on the summary of the excellent experience of domestic and foreign commercial banks’ sci-tech financial business,this paper puts forward the countermeasures for the development of H Bank’s technology finance business by combining SWOT analysisconclusions: using policy support,focusing on Carry out “investment and investment linkage”;deepen external cooperation,expand credit scale;improve risk prevention and control system,strengthen risk management;optimize service quality and efficiency,strengthen product innovation;establish and improve talent training mechanism.This countermeasure not only has practical guiding significance for H Bank,but also has certain reference significance for the development of other commercial banks’ sci-tech financial business in China. |
