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论文编号：	10329
作者编号：	2120162806
上传时间：	2018/12/5 23:38:05
中文题目：	AB商业银行投贷联动业务风险控制研究
英文题目：	Research on Risk Control of Investment and Loan Linkage Business of AB Commercial Bank
指导老师：	李莉
中文关键字：	AB商业银行；投贷联动；风险控制
英文关键字：	AB Commercial Banks;Investment and Loan Linkage Business;Risk Control
中文摘要：	随着我国金融改革的不断深化，商业银行面临的经营环境、竞争格局发生了巨大的变化，为适应不断变化的经济金融环境，商业银行需要主动变革经营模式，开拓新的业务增长点。我国的科创企业一直都面临着融资渠道窄、融资额度小的难题，在“大众创业，万众创新”的背景下，科创企业数量呈现爆发式增长，进而科创企业的融资问题愈加突出。投贷联动是指金融机构运用“股权+债权”融资方式为科创企业发展提供融资支持。投贷联动业务不但有助于缓解科创企业融资难问题，更有助于推动我国商业银行向综合化经营转型，提高商业银行的市场竞争力。AB商业银行投贷联动业务模式具体为银行和境外投资子公司联动，银行向科创企业发放贷款，境外投资子公司向科创企业提供股权投资，形成“股权＋债权”联动的融资新模式。本文通过对国内外关于投贷联动的研究成果进行分析，结合我国现状，从宏观经济、商业银行和科创企业三个方面分析了研究投贷联动业务产生的背景；论述研究投贷联动业务对科创企业融资、商业银行业务发展和政府具有的重要意义，阐释投贷联动业务的概念，剖析了投贷联动业务的优势及风险、投贷联动业务的风险控制等。回顾了投贷联动业务风险控制的相关理论，剖析了AB商业银行投贷联动业务风险控制现状及风险控制中存在的缺乏合理的风险分担安排、再担保措施落实不到位等问题及原因。最后，结合我国经济金融环境与AB商业银行实际情况，在借鉴国内外经验的基础上，从协同量化风险控制标准、建立健全风险共担机制、培养配置核心专业人才方面提出风险控制方案的优化设计，并从积极引入第三方机构、聚焦优势领域筛选目标客户、完善风险评估和考核机制方面为优化方案的实施提供基础保障，从成立投贷联动业务专营机构、进一步强化防火墙制度、建立多层次金融市场体系为优化方案实施提供制度保障，从而为AB商业银行投贷联动业务构建更为审慎的风险控制框架，助推投贷联动业务发展。
英文摘要：	With the deepening of China's financial reform, the operating environment and competition pattern faced by commercial Banks have undergone tremendous changes. In order to adapt to the ever-changing economic and financial environment, commercial Banks need to take the initiative to change their operating mode and explore new business growth points.China's science and innovation enterprises have been faced with the problem of narrow financing channels and small financing quota. Under the background of "mass entrepreneurship and innovation", the number of science and innovation enterprises is experiencing an explosive growth, which makes the financing problem of science and innovation enterprises more prominent. Co-investment and loan refers to financial institutions using "equity + credit" financing to provide financing support for the development of science and innovation enterprises.The combined business of investment and loan not only helps ease the financing difficulties of scientific and creative enterprises, but also helps push Chinese commercial Banks to transform to comprehensive operation and improve their market competitiveness. The co-investment and loan business mode of AB commercial bank is the linkage between the bank and the overseas investment subsidiary, the bank extends loans to the science and technology innovation enterprises, and the overseas investment subsidiary provides equity investment to the science and technology innovation enterprises, forming a new financing mode of "equity + credit" linkage. This paper analyzes the research results on the linkage of investment and loan at home and abroad, and analyzes the background of the joint operation of investment and loan from the three aspects of macro-economy, commercial bank and scientific and technological enterprise, combining the current situation of China. This paper discusses the significance of studying the co-investment and loan business to the financing of scientific and creative enterprises, the development of commercial bank business and the government, expounds the concept of co-investment and loan business, and analyzes the advantages and risks of co-investment and loan business, as well as the risk control of co-investment and loan business. This paper reviews the relevant theories on the risk control of co-investment and loan business, and analyzes the current situation of the risk control of co-investment and loan business of AB commercial bank, as well as the lack of reasonable risk sharing arrangement and inadequate implementation of reguarantee measures. Finally, combined with China's economic and financial environment and AB commercial bank's actual situation, on the basis of the experience at home and abroad for reference, from the synergy of quantitative risk control standard, establish risk-sharing mechanism, cultivating professional talents of configuration of the core aspects of risk control scheme of optimization design, and from the active introduction of third parties, focused advantage field screening target customers, perfect the risk assessment and assessment mechanism to provide infrastructure assurance for the implementation of the optimization scheme, the establishment of a joint venture franchise, further strengthening of the firewall system, and the establishment of a multi-level financial market system provide institutional guarantee for the implementation of the optimization plan, so as to build a more prudent risk control framework for the joint investment and loan business of AB commercial bank and boost the development of the joint investment and loan business.
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