Investment and loan linkage why not push

1, talent problem. The existing bank talent pool is difficult to meet the needs of the equity investment business, while the bank's compensation system can not effectively incentivize and retain investment talent. In fact, this factor is still very important, but not entirely correct.

2, capital problems. Some analysts believe that the regulation for the bank available equity investment in the source of funds to do a strict limit, resulting in the bank is difficult to increase leverage through debt funds to expand earnings.

3. Business model. Some analysts believe that there is a conflict of interest between equity investment and credit investment, the same bank to promote investment business while avoiding the impact on traditional credit business.

4, investment subsidiaries have not been approved so far. Some of the pilot banks have been in accordance with the "Guidance" requirements, submit an application for the establishment of investment subsidiaries related materials, the relevant application materials have been reported by the CBRC to the State Council for approval, but due to this year's centralized emphasis on risk management year, for the innovation of the pilot is more cautious, at the same time this matter involves a number of ministries and commissions, countersigning time is also longer, so far there is no pilot bank investment subsidiaries have been approved to set up. Thus, resulting in specialized investment and loan linkage business failed to carry out substantive.