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

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

Authors
Tingting Lei1, *
1School of Economics and Management, Changsha University of Science and Technology, Changsha, China
*Corresponding author. Email: claireltt@sina.com
Corresponding Author
Tingting Lei
Available Online 27 December 2022.
DOI
10.2991/978-94-6463-098-5_211How to use a DOI?
Keywords
Investment-loan linkage; Commercial banks; Credit risk control
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.

Copyright
© 2023 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 2022 4th International Conference on Economic Management and Cultural Industry (ICEMCI 2022)
Series
Advances in Economics, Business and Management Research
Publication Date
27 December 2022
ISBN
10.2991/978-94-6463-098-5_211
ISSN
2352-5428
DOI
10.2991/978-94-6463-098-5_211How to use a DOI?
Copyright
© 2023 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Tingting Lei
PY  - 2022
DA  - 2022/12/27
TI  - Credit Risk Control of Investment-loan Linkage by Commercial Banks in China
BT  - Proceedings of the 2022 4th International Conference on Economic Management and Cultural Industry (ICEMCI 2022)
PB  - Atlantis Press
SP  - 1878
EP  - 1886
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-098-5_211
DO  - 10.2991/978-94-6463-098-5_211
ID  - Lei2022
ER  -