投贷联动:供给侧改革背景下商业银行业务创新与实践

在"供给侧"改革背景下,投贷联动已成为金融市场优化资金供给的重要突破口之一.一方面,投贷联动能够优化和创新传统贷款模式,拓宽小微企业融资渠道;另一方面,投贷联动能够提高金融服务实体经济效率并优化金融资源配置.通过对比分析发达国家投贷联动的经验和成功模式,能够为我国提供有益的参考.投贷联动要求商业银行进入风险投资领域,但是其贷款的本质属性及风险防控等基本要求没有改变,因此投贷联动监管应注意防范金融风险的交叉传染,维护贷款的安全稳定.

The investment and loan linkage:the Innovation and Practiceof commercial bank business in supply side reform

Under the theme of supply side reform,and investment loan linkage has become one of the important breakthrough in the financial market to optimize the supply of funds.The linkage of investment and loan can optimize and innovation of traditional lending model,provide a new method for small and micro enterprises financing.In addition,investment loan linkage can improve the economic efficiency of financial services,and optimize the allocation of financial resources.The comparative analysis to the experience and successful models of investment loan linkage in the developed countries can provide a useful reference for the investment loan linkage in China.The investment and loan requires commercial banks to enter the field of venture capital,but the nature of the loan property and the basic requirements on risk prevention have not changed.Therefore,the cross infection of financial risks should be prevented,and the security and stability of the loan should be maintained.