摘要
在"众创"背景下,开展投贷联动对于拓展中小科技创新企业融资渠道、助推银行业综合化经营具有重要意义。国际上,美英两国经过长期实践成为投贷联动最具代表性的国家。2016年4月,我国也正式启动投贷联动试点工作。本文在分析投贷联动模式和借鉴发达国家投贷联动实践经验的基础上,结合当前国内投贷联动试点过程中存在的问题,提出应通过完善顶层政策设计,引导银行建立与投贷联动相适应的运营和风控机制,加强与外部投资机构合作,成立中小科创企业股权投资基金等措施促进投贷联动业务的健康发展。
On the basis of analyzing the operation mode of investment loan linkage and the practical experiences in developed countries, this paper analyzed the operating mechanism of commercial banks' investment loan linkage in China and related problems. This paper also suggested that we should enhance policy design, guide commercial banks to establish the investment loan linkage mechanism, strengthen the commercial banks' cooperation with external investment institutions,and establish equity investment funds for science and technology innovative enterprises so as to ensuring the development of commercial banks' investment loan linkage under the premise of controllable risks.
出处
《新金融》
CSSCI
北大核心
2017年第3期48-52,共5页
New Finance
关键词
中小企业融资
投贷联动
股权投资
科创企业
Investment Loan Linkage
Equity Investment
Science and Technology Innovation Enterprises
