发展投贷联动业务的逻辑与痛点

Logic and Pain of Developing Investment-loan Linkage Business

作为一种突破既有机制的金融创新,投贷联动既顺应了加快建设创新型国家、实施创新驱动战略的国家大势,又符合回归本源、破解科创企业融资难题的监管形势。基于其服务对象、业务模式的独特性,投贷联动业务目前仍处于基础性发展阶段,其进一步发展壮大,既需要商业银行的积极参与,也离不开社会各方资源合力打造的良好发展环境。

As a kind of financial innovation that breaks through the existing mechanism,investment and loan linkage not only conforms to the national trend of speeding up the construction of an innovative country and implementing an innovation-driven strategy,but also conforms to the regulatory situation of returning to the original source and solving the financing problems of scientific and technological innovation enterprises Based on the uniqueness of its service target and business model,the investment-loan linkage business is still in its initial development stage,and its further development requires the active participation of commercial banks and a good environment created by the concerted efforts of all social resources.