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Zhou, J. Z. (2021). Model Characteristics, Issues, and Suggestions for Commercial Banks’ Implementation of Investment and Loan Linkage Business. Southwest Finance, No. 4, 63-74.

has been cited by the following article:

• TITLE: Exploring the Model of Combining Equity Investments and Bank Loans in Commercial Banks—A Case Study of Silicon Valley Bank

  AUTHORS: Kailin Wang

  KEYWORDS: Commercial Banks, Combining Equity Investments and Bank Loans, Silicon Valley Bank

  JOURNAL NAME: Journal of Financial Risk Management, Vol.13 No.4, December 4, 2024

  ABSTRACT: Specialized, refined, differential and innovative (SRDI) small and medium-sized enterprises (SMEs) are the major driving forces of technological innovation, and their growth heavily relies on investments and loans from commercial banks. However, these enterprises generally do not meet the traditional criteria for bank financing. This paper analyzes the practices of Silicon Valley Bank (SVB) in the United States, focusing on its client profiles, venture debt offerings, and risk control strategies. Drawing on the SVB experience, this study aims to provide insights for Chinese commercial banks on innovating their financial service models to support technology-driven SMEs.