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Credit Risk Control of Investment-loan Linkage by Commercial Banks in China

In: Proceedings of the 2022 4th International Conference on Economic Management and Cultural Industry (ICEMCI 2022)

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  • Tingting Lei

    (Changsha University of Science and Technology, School of Economics and Management)

Abstract

The relationship between Chinese banks’ venture capital and its subsequent lending can be considered as a new business for banks, and that is defined as investment-loan linkage in China. Investment-loan linkage is one of the important innovative businesses of commercial banks to solve the financing problems of small and medium-sized technology enterprises, to achieve synergistic development of science and technology and finance and to realize win-win situation for all financial institutions. At present, the credit risk control of investment-loan linkage of commercial banks in China is inadequate because of imperfect internal credit risk control, imperfect credit risk control of cooperation between banks and external investment institutions and mismatch between business development and credit risk control system, etc. Therefore, commercial banks should continuously improve internal credit risk management mechanism, establish good external cooperation mode of credit risk management and strengthen the management of professional talents. in order to establish and improve the credit risk management system of investment-loan linkage and promote the healthy and rapid development of commercial banks' investment-loan linkage.

Suggested Citation

  • Tingting Lei, 2023. "Credit Risk Control of Investment-loan Linkage by Commercial Banks in China," Advances in Economics, Business and Management Research, in: Hrushikesh Mallick & Gaikar Vilas B. & Ong Tze San (ed.), Proceedings of the 2022 4th International Conference on Economic Management and Cultural Industry (ICEMCI 2022), pages 1878-1886, Springer.
    • Handle: RePEc:spr:advbcp:978-94-6463-098-5_211
    DOI: 10.2991/978-94-6463-098-5_211
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