北京银行投贷联动运行模式案例分析

发布时间：2018-03-22 08:36

本文选题：金融创新　切入点：北京银行　出处：《安徽财经大学》2017年硕士论文　论文类型：学位论文

【摘要】：随着利率市场化改革接近尾声、互联网金融浪潮的加速推进及实体经济持续调整,我国商业银行面临着利差收窄、营效下降、转型压力增大等挑战。在这些背景下,商业银行积极开展金融创新,在原有信贷融资的基础上与股权投资进行有机结合,将资金注入科创企业发展前期,以其未来投资的高回报抵补现期信贷风险,投贷联动由此应运而生。在《2016年国务院政府工作报告》中,李克强总理明确提出启动投贷联动试点工作;2016年4月,银监会、科技部、中国人民银行联合颁布《关于支持银行业金融机构加大创新力度开展科创企业投贷联动试点的指导意见》,投贷联动正式成为银行开拓新业务蓝海的有力支持。至今投贷联动的试点已过去一年时间,从目前现状来看,投贷联动的实施并不顺利,依然存在诸多问题。因此,进行投贷联动模式研究在缓解科创企业融资难问题的同时对商业银行拓展业务边界、缓解信贷压力等有着相当重要的意义。本文采用理论和实际案例相结合的分析方法,在介绍相关理论与研究后,对投贷联动运行模式进行理论概述,包括现存的投贷联动的主要运行模式、特征以及存在的问题。随后介绍我国目前实践投贷联动最为典型的运行模式—北京银行的投贷联动,并对其进行案例分析,分析内容包括投贷联动的模式、市场定位、服务体系、盈利模式、风险控制、行权退出方式,找出其目前运行模式中存在的问题。同时在以上六个方面对比投贷联动运行模式的创始者—硅谷银行,结合北京银行投贷联动运行模式存在的优势,为我国政府部门和其他商业银行提供启示。本文最后,为完善北京银行投贷联动运行模式提出相关建议。希望通过此文,能助力商业银行投贷联动的稳定、持续发展。
[Abstract]:With the end of the reform of interest rate marketization, the accelerating advance of the Internet financial tide and the continuous adjustment of the real economy, the commercial banks in China are facing the challenges of narrowing the interest margin, decreasing the operating efficiency and increasing the pressure of the transition. Commercial banks actively carry out financial innovation, combine with equity investment on the basis of the original credit financing, inject funds into the early stage of the development of Kechang enterprise, and offset the credit risk in the current period with the high return of its future investment. In the 2016 report on the work of the State Council, Premier Li Keqiang explicitly proposed to start the pilot work of the joint venture. In April 2016, the Banking Regulatory Commission, the Ministry of Science and Technology, The people's bank of china jointly promulgated the guidance on supporting banking financial institutions to increase innovation and carry out pilot projects for joint venture lending and lending, which formally became the strong support for banks to open up new business in the blue sea. A year has passed since the pilot project of the joint venture. From the current situation, the implementation of the joint venture is not smooth, and there are still many problems. Therefore, the research on the mode of investment and loan linkage not only alleviates the financing difficulties of Kechang enterprises, but also expands the business boundaries of commercial banks. It is very important to relieve the credit pressure. This paper introduces the related theory and research, and summarizes the operation mode of the joint operation of investment and loan by using the analysis method of combining theory with practical cases. It includes the main operation mode, characteristics and existing problems of the existing joint investment and loan operation. Then it introduces the most typical operation mode of the Beijing Bank of China, and analyzes its case. The analysis includes investment and loan linkage model, market positioning, service system, profit model, risk control, exercise exit mode, Find out the problems existing in the current operation mode. At the same time, compare the founders of the joint operation mode of investment and loan, the Silicon Valley Bank, and the advantages of the Beijing Bank's joint operation mode in the above six aspects. Finally, this paper puts forward some suggestions for perfecting the operation mode of Beijing Bank's investment and loan linkage. It is hoped that this paper can help the commercial banks to develop steadily and sustainably.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

【参考文献】