Research On Risk Management Of Bank Of Beijing’s Technological Financial Credit Business

As an important part of my country’s socialist market economic system,the modern financial system has played an irreplaceable role in serving my country’s real economy.Commercial banks are the main body of my country’s financial market.Supporting the national innovation-driven development strategy and promoting supply-side structural reform is the choice of commercial banks to adapt to the development of the times.However,due to high risks,differences in industry management systems,lack of collateral and other problems,technology-based enterprises are difficult to obtain financing loans from commercial banks.Commercial banks value safety and liquidity in their operations.my country’s investment funds and financial intermediaries The systemic problems of the environment,etc.have also created the problem of financing difficulties for small and medium-sized scientific and technological innovation-oriented enterprises.By sorting out the literature achievements and theoretical research of domestic and foreign scholars,and based on this,this paper analyzes the current situation of the case study of Beijing Bank’s science and technology finance,in order to seek ideas for commercial banks,especially city commercial banks,to develop characteristic operations and differentiated businesses.Using the literature analysis method and case study method,there are two existing technology finance business models that are worthy of reference by other city commercial banks: the traditional credit model and the investment-loan linkage model,focusing on the investment-loan linkage model that began to be piloted in 2016 for the main analysis,and identify the risks faced by the Bank of Beijing’s technology-finance investment-loan linkage model,with a view to reaching a typical case,providing reference for other city commercial banks on how to develop technology-based financial business and how to prevent risks.Under the background of my country’s innovation-driven development strategy and the promotion of supply-side structural reforms,city commercial banks vigorously develop technology financial services,not only to respond to my country’s call and strategic support,but also to help city commercial banks transform and develop,create new The Bank of Beijing’s pilot technology financial credit business and risk management experience in investment-loan linkage are also worth learning from other commercial banks.By studying the technology financial credit business of Bank of Beijing,we have come to the following conclusions: First,commercial banks,especially city commercial banks,should eliminate the prejudice against traditional concepts and the fear of issuing technology-based loans,and no longer shut out science and technology enterprises.,but a more complete risk isolation mechanism should be established.Second,according to the analysis of the investment-loan linkage business of Bank of Beijing,the investment-loan linkage has many advantages compared with the traditional credit business.It can help commercial banks adjust the current profit pattern of single interest margin income,and can also effectively alleviate the current technology-based small and medium-sized enterprises.corporate financing constraints.