Research on the Financial Service Platform of Regional Science and Technology Based on Investment Loan Linkage Mode

Investment loan linkage of commercial banks as a new business model, provide a new financing channel for SMEs. Firstly, through the analysis of the innovation type enterprise financing present situation, think branch enterprises financing difficulties are the following three points one is the high transaction costs, two is the commercial bank equity investment limited risk coverage cannot be carried out, the three is the information asymmetry between banks and enterprises become the main cause, and then through the analysis of investment loan linkage mode, the regional science and technology financial service platform construction based on the model, then from the perspective of platform elements discussed the application of science and technology investment loan linkage in financial services platform and operation process, finally, starting from the perspective of financial services technology platform, pointed out that the main problems should be concerned about the process of using the model in investment loan linkage.