本文選題：金融創(chuàng)新　切入點(diǎn)：北京銀行　出處：《安徽財(cái)經(jīng)大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：隨著利率市場(chǎng)化改革接近尾聲、互聯(lián)網(wǎng)金融浪潮的加速推進(jìn)及實(shí)體經(jīng)濟(jì)持續(xù)調(diào)整,我國(guó)商業(yè)銀行面臨著利差收窄、營(yíng)效下降、轉(zhuǎn)型壓力增大等挑戰(zhàn)。在這些背景下,商業(yè)銀行積極開(kāi)展金融創(chuàng)新,在原有信貸融資的基礎(chǔ)上與股權(quán)投資進(jìn)行有機(jī)結(jié)合,將資金注入科創(chuàng)企業(yè)發(fā)展前期,以其未來(lái)投資的高回報(bào)抵補(bǔ)現(xiàn)期信貸風(fēng)險(xiǎn),投貸聯(lián)動(dòng)由此應(yīng)運(yùn)而生。在《2016年國(guó)務(wù)院政府工作報(bào)告》中,李克強(qiáng)總理明確提出啟動(dòng)投貸聯(lián)動(dòng)試點(diǎn)工作;2016年4月,銀監(jiān)會(huì)、科技部、中國(guó)人民銀行聯(lián)合頒布《關(guān)于支持銀行業(yè)金融機(jī)構(gòu)加大創(chuàng)新力度開(kāi)展科創(chuàng)企業(yè)投貸聯(lián)動(dòng)試點(diǎn)的指導(dǎo)意見(jiàn)》,投貸聯(lián)動(dòng)正式成為銀行開(kāi)拓新業(yè)務(wù)藍(lán)海的有力支持。至今投貸聯(lián)動(dòng)的試點(diǎn)已過(guò)去一年時(shí)間,從目前現(xiàn)狀來(lái)看,投貸聯(lián)動(dòng)的實(shí)施并不順利,依然存在諸多問(wèn)題。因此,進(jìn)行投貸聯(lián)動(dòng)模式研究在緩解科創(chuàng)企業(yè)融資難問(wèn)題的同時(shí)對(duì)商業(yè)銀行拓展業(yè)務(wù)邊界、緩解信貸壓力等有著相當(dāng)重要的意義。本文采用理論和實(shí)際案例相結(jié)合的分析方法,在介紹相關(guān)理論與研究后,對(duì)投貸聯(lián)動(dòng)運(yùn)行模式進(jìn)行理論概述,包括現(xiàn)存的投貸聯(lián)動(dòng)的主要運(yùn)行模式、特征以及存在的問(wèn)題。隨后介紹我國(guó)目前實(shí)踐投貸聯(lián)動(dòng)最為典型的運(yùn)行模式—北京銀行的投貸聯(lián)動(dòng),并對(duì)其進(jìn)行案例分析,分析內(nèi)容包括投貸聯(lián)動(dòng)的模式、市場(chǎng)定位、服務(wù)體系、盈利模式、風(fēng)險(xiǎn)控制、行權(quán)退出方式,找出其目前運(yùn)行模式中存在的問(wèn)題。同時(shí)在以上六個(gè)方面對(duì)比投貸聯(lián)動(dòng)運(yùn)行模式的創(chuàng)始者—硅谷銀行,結(jié)合北京銀行投貸聯(lián)動(dòng)運(yùn)行模式存在的優(yōu)勢(shì),為我國(guó)政府部門(mén)和其他商業(yè)銀行提供啟示。本文最后,為完善北京銀行投貸聯(lián)動(dòng)運(yùn)行模式提出相關(guān)建議。希望通過(guò)此文,能助力商業(yè)銀行投貸聯(lián)動(dòng)的穩(wěn)定、持續(xù)發(fā)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.
【學(xué)位授予單位】：安徽財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.4

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本文編號(hào)：1647944