中资大型银行投贷联动模式的探索

长期以来科创企业面临着“融资难”的问题，另外，金融新常态使银行传统盈利方式也受到挑战。于是，投贷联动作为解决这两大难题的一种创新金融模式应运而生。目前，投贷联动业务的模式主要有集团内部联动模式和外部机构“联盟式”联动模式两大类。中资大型银行可通过创建产业投资平台，利用政府资金和政策的引导，开拓银行内外资源优势，从而有效协调各机构联动，持续在科创企业的整个生命周期中提供相应投贷联动服务和完善投贷退出机制；同时，要理性开展投贷联动，科学隔离投贷风险，有效整合资源，客观评估优势。

Investment and Loan Linkage Model of Large-sized National Operating Banks

Recently, national macro economy has decreased endogenously, which causes the mechanism reform of supply side in China to help the technical businesses get over the difficulty in financing. In addition, the financial new normal makes the banks’ traditional method to gain profit challenged. Therefore, investment and loan linkage is developed as a new financing strategy for solving these two problems. At present, the model exploration about this linkage mainly focuses on internal interaction in the group and external alliance among different parts. This article discusses that Large-sized National Operating Banks work to utilize government policy and fund, and integrate external with internal resource advantage so that they can coordinate interaction among different parts as well as can continue to offer investment-loan linkage service and to improve the exit mechanism, through creating and modeling the industrial investment platform. Finally, this article suggests that banks should carry out investment and loan linkage rationally, isolate risk between investment and loan, and balance the shortcomings with strengths of the external and internal organizations