西部地区城市商业银行投贷联动路径研究

The Study on the Path of Investment and Loan Linkage of Urban Commercial Banks in Western Areas

商业银行投贷联动试点已稳步开展,在首批试点地区中仅有西安这个西部城市入围,投贷联动试点主要在东、中部展开。文章通过分析国内已有的投贷联动路径,结合从企业角度分析的西部地区科技实力和城商行实力,以西部地区城商行为切入点,在投贷联动已试点的背景下,探讨西部地区城商行投贷联动路径,并就借鉴试点地区经验、人才培养、投贷联动业务退出、加强与创投机构合作等方面提出建议。

The pilot investment and loan linkage of commercial banks has been steadily carried out.In the first batch of pilot areas,only Xi’an,the western city,was shortlisted,and pilot projects of investment and loan linkage were mainly carried out in the east and middle areas.By analyzing the existing path of investment and loan linkage in China,combined with the technological strength and the strength of urban commercial banks of western areas from the perspective of the enterprises,taking urban commercial banks as the breakthrough point,and under the background of the pilot investment and loan linkage,the paper discusses the path of the investment and loan linkage of urban commercial banks in western areas,and puts forward some suggestions on learning experience of the pilot areas,personnel training,investment and loan linkage exit and strengthening the cooperation with venture capital agencies and so on.