摘要
现阶段,传统银行的业务模式以及早期积累优势已不能满足国家及市场对于发展科技产业的需要,加上科技创新对于传统银行的不断冲击,商业银行亟须打破投资与贷款之间的割裂关系,从而更好地解决广大成长型中小企业"融资难、融资贵"的问题。相较于普通债权融资和股权投资,附加选择权的贷款在安全性与收益性之间更加平衡,选择权业务在债权的固定收益上保留了分享股权收益的机会,一定程度上改变了风险缓释模式和盈利模式,有助于打造投贷联动产业链。本文以杭州银行为例,对于其选择权贷款模式下的经营情况进行实证研究,并得出结论。
Nowadays the business mode and early accumulated advantages in traditional banks can no longer meet the needs of the country and the market for the development of science and technology industry,along with the continuous impact of technological innovation,commercial banks need to build bridges between investment and loan service in order to alleviate the difficulties faced by the growing small and medium-sized business in accessing affordable financing.Compared with ordinary debt financing and equity investment,the option loan strikes a balance between security and profitability.Option business offers the opportunity to share equity revenue over the fixed debt income,which changes the risk mitigation model and profit model to a certain extent,and helps to build the investment and loan linkage industry chain.Taking Bank of Hangzhou as an example,this paper conducts an empirical study on its operation under the option loan mode,and draws a conclusion.
出处
《浙江金融》
2021年第7期51-60,共10页
Zhejiang Finance
关键词
选择权贷款
商业银行
实证研究
Option loan
Commercial Banks
Empirical Research
