Some provinces, autonomous regions and financial institutions have carried out pilot projects without breaking through the existing legal framework: by the end of 215, nine banks in Shanghai had provided financing balance of 1.2 billion yuan for ]5 high-tech small and micro enterprises in a linkage mode of investment and loan. In order to avoid legal obstacles, the mode of holding shares by a third party is basically adopted, that is, the bank gives it to a technology enterprise, and then designates a third-party company and other holding institutions to hold no more than 2% of the pre-emptive rights of the enterprise. This stock option arrangement can be regarded as a kind of risk reserve or risk compensation, and the income that equity investment can bring can just cover the possible losses caused by loans. "Shanghai Huarui Bank is promoting the strategic cooperation with Silicon Valley Bank, hoping to gradually master the development methods and technologies of investment and loan linkage business through learning from Silicon Valley Bank, and give full play to their respective advantages in cooperation, so as to realize the localized investment and loan linkage mode that is more suitable for China, and achieve the goal of strategic win and benefit sharing.

Bank of Jiangsu has been exploring the investment-loan linkage business model for many years, and innovatively launched the "investment-financing loan" business, taking the future option transfer or exercise income of small and medium-sized scientific and technological enterprises as a loan risk mitigation measure, effectively solving the financing problem of scientific and technological enterprises; Through cooperation with government agencies, equity investment institutions and listed companies, 1 "investment-loan linkage equity investment funds" have been innovatively established, with a total scale of more than 25 billion yuan, covering many emerging industries such as new materials, biomedicine, film and television animation, and supporting special loans of more than 35 billion yuan. Nearly 3 high-tech SMEs have been cultivated to be listed or listed on the New Third Board, and 75 enterprises have been cultivated to be listed and listed only by "Suke Loan" products.