我国商业银行投贷联动业务模式探索与实践——基于美英成功做法的经验借鉴

The Exploration and Practice of Venture Loan in Commercial Banks-Based on the Advanced Experience of the United States and Britain

经济"新常态"与"大众创业、万众创新"环境下,投贷联动成为未来银行业重点要推的一项工程。本文从我国科创企业融资现状入手,以美英两国先进经验为基础,结合现阶段我国金融市场环境,对投贷联动的内涵、模式、意义及挑战进行系统分析。分析认为,我国商业银行开展投贷联动时机成熟。文章最后为我国商业银行开展投贷联动建言献策,以促进投贷联动有效服务科创型中小企业健康发展。

In the context of the ＂China＇s New Normal＂ and the ＂Mass Entrepreneurship and Innovation＂ environment,Venture Loan,which is of great significance for governments banks and Technological SMEs, will become a focus project of commercial banks in China.This paper makes a systematic analysis for the connotation model significance and challenges of Venture Loan,which is combined with the present financial market environment in China.We think that it is time for China＇s commercial banks to carry out Venture Loan.Finally, this paper gives some suggestions about the carry-out of venture loan to promote the effective service for the sustainable development of Technological SMEs.