| In the downward stage of the global economic cycle,China’s banking industry has undergone drastic changes with the adjustment of the macroeconomic structure and development mode,and its operating environment has changed dramatically.With the acceleration of interest rate liberalization,the interest spread between deposit and loans of commercial banks narrowed,and non-performing loans occur frequently.The traditional business mode of "high capital consumption,high credit supply and high cost operation" is faced with the practical dilemma of "less deposits,no debt to borrow,and compressed profits".At the same time,the global "science and technology war" has long been started,and scientific and technological innovation ability is the key factor in today’s comprehensive national strength competition and the factor that determines the survival of enterprises.However,there are many difficulties in the survival and development of small and medium-sized enterprises in China.Among them,the primary problem is that "difficult and expensive financing" restricts the practice and progress of scientific research of such enterprises,which is directly related to the sustainable development of the national innovation industry and whether the national economy can be transformed and upgraded.In this context,the investment and loan linkage business is an effective way for commercial banks to introduce equity investment on the basis of providing creditor’s rights support for science and technology innovation enterprises.Through carrying out investment and loan linkage business,banks can use equity investment profits to offset credit risks and their own business defects,balance risks and returns in the process of financial support for technology companies,broaden their financing channels at the same time,and realize the win-win situation between commercial banks,venture capital companies and start-ups.The business is a new exploration for financial institutions to support the development of the real economy.Therefore,in the current initial stage of business,commercial banks should fully combine their own operation mode to promote business development,and build and gradually improve the comprehensive risk assessment and control mechanism for the joint business characteristics of investment and loan.This paper first systematically combs the background and concept of investment and loan linkage business,and then horizontally analyzes the business model and risk control system at home and abroad,so as to make a theoretical basis for case analysis and empirical analysis.Secondly,using the hierarchical analysis method,build the risk index matrix for weight calculation,and formulate the investment and loan linkage risk index score standard,according to the actual situation of investment and loan linkage business,create the corresponding risk access evaluation model for potential target enterprises,and the model is applied to carry out in-depth analysis.Thirdly,take B Bank of Hubei Province and Wuhan XX Technology Co.,Ltd.,for example,and apply the model to identify the potential risks of the investment and financing linkage business before loan,in and after loan,analyze the uncertain risk factors such as investment income and credit risk compensation ability,put forward the risk control measures of B Bank in this case,and point out the applicability of the model to other investment and financing linkage businesses.Finally,based on the risk control of Wuhan XX Technology Co.,Ltd.,this paper summarizes the optimization path of risk prevention and control mechanism of Chinese banking industry,mainly from the following three business entities:First,the government mobilizes industry linkage to establish enterprise database,technologydriven information disclosure,the financial industry takes credit assets as the core,expand the collateral category,build a multiple guarantee mechanism;third,commercial banks improve the internal system and strengthen risk prevention and control. |
