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目前,在市场经济中的小微企业正面临着“融资难、融资贵”的局面,并且愈发突出。投贷联动口号的提出,一方面不仅可以拓宽小微企业的融资渠道,给市场竞争继续增添活力;另一方面,它推进了商业银行的转型,使商业银行的运营服务能力得到了提升。通过分析美国硅谷银行的情况,并结合当下的金融政策背景,对我国现阶段开展的投贷联动业务状况进行立法监管分析,并给出自己的相关见解。
At present, small and micro enterprises in a market economy are facing a situation of “financing difficulties and high financing costs”, and have become increasingly prominent. On the one hand, not only can we broaden the financing channels for small and micro enterprises and continue to add vitality to market competition; on the other hand, it has promoted the transformation of commercial banks and improved the operational and service capabilities of commercial banks. By analyzing the situation of Silicon Valley Bank in the United States, combined with the background of the current financial policy, this article analyzes the current state of the investment and loan linkage business in our country and gives some relevant opinions.