北京银行投贷联动业务发展研究

发布时间：2018-11-18 08:02

【摘要】：我国目前经济增速放缓、产能过剩、实体经济杠杆率高,因此政府提出供给侧改革;利率市场化、实体经济下滑、互联网金融冲击和监管日益严格造成商业银行利润下滑,商业银行面临结构转型;中小企业融资难融资贵,需要创新融资途径。寻求一种适合我国现阶段经济发展需要,符合供给侧改革思路,提升商业银行经营效益,解决中小企业融资难的金融创新模式显得迫在眉睫。在“大众创业,万众创新”和银行业综合化经营背景下,投贷联动业务应运而生,通过“股权+债权”的方式,缓解商业银行在支持中小企业时面临的风险与收益极度不匹配的困境。投贷联动业务是商业银行的“股权+债权”创新投资业务,拓宽商业银行业务渠道,提高商业银行创造利润,实现商业银行的多元化经营,有利于商业银行的转型发展。投贷联动业务能够解决中小企业融资难的问题,创造适合中小企业融资的良好环境,增加中小企业融资的融资渠道,有利于我国进一步发展中小企业。但是,我国商业银行投贷联动业务处于试点状态,商业银行“股权+债权”投资模式存在多方面问题,本文即针对北京银行的投贷联动业务进行案例研究,旨在分析北京银行的投贷联动业务中存在的问题,并进一步提出北京银行发展投贷联动业务的策略。本文借鉴国外投贷联动领先经验,力求探索适合北京银行发展投贷联动的策略。北京银行要明确投贷联动市场定位,北京银行要优化风险防控机制,建立投贷联动信息共享机制,建设投贷联动专业化人才梯队,投贷联动发展创新模式可以考虑园区平台发展基金,北京银行要创新中小企业抵押担保方式,最终形成北京银行富有竞争力的业务板块。这一系列策略不仅对北京银行有效,对我国其他试点投贷联动的商业银行也是有效的。
[Abstract]:China's current economic growth rate is slowing, overcapacity, the real economy leverage ratio is high, so the government proposed supply-side reform; Interest rate marketization, real economy decline, Internet financial impact and increasingly strict supervision of commercial bank profits decline, commercial banks are facing structural transformation, SMEs financing is difficult to finance expensive, need to innovate financing ways. It is urgent to seek a new financial innovation model which can meet the needs of China's current economic development, meet the demand of supply-side reform, improve the management efficiency of commercial banks and solve the financing difficulties of small and medium-sized enterprises. In the context of "mass entrepreneurship, innovation" and the comprehensive management of the banking industry, the joint investment and loan business emerged as the times require, and through the way of "equity claims", To alleviate the risk and income mismatch dilemma faced by commercial banks in supporting small and medium-sized enterprises. The joint operation of investment and loan is the innovative investment business of "equity creditor's right" of commercial bank, widening the channel of commercial bank's business, improving the commercial bank's creating profit, realizing the diversified management of commercial bank, which is beneficial to the transformation and development of commercial bank. Investment and loan linkage can solve the problem of financing difficulties for SMEs, create a good environment suitable for SMEs to finance, increase the financing channels of SMEs, which is conducive to the further development of SMEs in China. However, the joint investment and loan business of commercial banks in China is in a pilot state, and there are many problems in the investment mode of "equity creditor's rights" in commercial banks. The purpose of this paper is to analyze the problems existing in the joint investment and loan operation of the Bank of Beijing, and to put forward the strategies for the development of the joint investment and loan business of the Bank of Beijing. This paper draws lessons from the leading experience of foreign investment and loan linkage, and tries to explore the strategy suitable for Beijing Bank to develop the investment and loan linkage. The Bank of Beijing should define the market position of the joint investment and loan operation, and the Bank of Beijing should optimize the risk prevention and control mechanism, establish the information sharing mechanism of the joint investment and loan linkage, and build a echelon of specialized talents in the investment and loan linkage. The innovative mode of investment and loan linkage development can consider the park platform development fund, and the Bank of Beijing should innovate the mortgage guarantee mode of small and medium-sized enterprises, and finally form the competitive business sector of the Bank of Beijing. This series of strategies is effective not only for Beijing Bank, but also for other commercial banks in China.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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