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Silicon valley Banks in the United States

2018-11-22 来源: 51due教员组 类别: 更多范文

下面为大家整理一篇优秀的assignment代写范文- Silicon valley Banks in the United States,供大家参考学习,这篇论文讨论了美国的硅谷银行。近年来,美国信息产业的高速发展,得益于美国硅谷银行的特殊金融扶持政策。硅谷银行作为创业银行的成功范例,应归功于清晰的定位和创新业务的发展。从硅谷银行的服务对象定位上,可以清楚地看到它创业银行的鲜明特点。硅谷银行业务模式创新包括投入方式的创新。硅谷银行突破了债权式投资和股权式投资的限制。而后银行将资金以借贷的形式投入创业企业之中。采用股权投资时,硅谷银行与创业企业签订协议,收取股权或认购股权以便在退出中获利。

Silicon valley Bank,硅谷银行,assignment代写,paper代写,北美作业代写

China's high-tech industry, especially the development of information industry, benefits from the special financial support policies of silicon valley Banks in the United States. Let's briefly review the role of the bank's special strategy. Silicon valley bank was founded in 1983 by commercial Banks with a registered capital of just $5m. For the first 10 years of operation, its financial products were loans and savings only, and its customers were mainly silicon valley technology companies, real estate developers and medium-sized commercial institutions, just like ordinary commercial Banks.

1993 is an important transition period for silicon valley bank and a critical period for its successful transformation from a traditional commercial bank to a start-up bank. In 1993, at a time when silicon valley's high-tech industry was booming, there were 350 Banks in the valley, including bank of America, BNP paribas and standard chartered. But the big Banks tend to focus their services on the big firms, rather than on the smaller tech firms. The name "bank of silicon valley" sets the stage for its innovative business strategy -- "bank of silicon valley" is the company that serves silicon valley, should be the one that provides financial services for innovation and risk-taking.

John Dean, the bank's chief executive at the time, decided to bypass the branches of big Banks and target his own market for small and medium-sized businesses that were new, were growing faster and deemed too risky by other Banks to offer services. All of these companies are backed by venture capital but have yet to list on the stock market. At the same time, silicon valley's banking operations have spread across the country, "where the center of technological innovation is, we are." John Dean came up with such a catchy slogan.

The bank's revamped strategy has been a boon to silicon valley tech companies that were struggling, undercapitalized and short of credit at the time. Since 1993, the average return on assets of silicon valley Banks has been 17.5%, compared with around 12.5% for American Banks over the same period. That makes it in 10 years, become the emerging technology companies in the market one of the most status of commercial Banks, published in the American bankers "100 medium-sized Banks in the country's biggest companies league table", the silicon valley bank, with its high returns and earnings per share growth, maintained its three years from 1998 to 2000, comprehensive evaluation first.

The orientation and development of the banking business in silicon valley silicon valley bank as a successful example of venture banking should be attributed to the clear orientation and the development of innovative business. From the orientation of service object of silicon valley bank, it can be seen clearly the distinct characteristic of its start-up bank. After 1993, silicon valley bank targeted at three types of smes:

Small and medium-sized enterprises in star-up and EXPANSION do not have large scale and investment capital.

Small and medium-sized enterprises in information and electronic technology industry, software and network service industry and biological science industry.

It has to be the small and medium-sized enterprises that are backed by venture capital and looking for more venture capital firms to partner with.

Silicon valley banking business model innovation silicon valley banking business model innovation mainly includes the innovation of input methods. First, silicon valley Banks broke the limits of debt and equity. In the case of debt investments, silicon valley Banks typically extract some of their clients' funds. Although the bulk of venture capital funding comes from bond and stock sales, silicon valley Banks use some of their clients' funds as capital to reduce the amount of capital raised and the cost of raising it. Banks then lend money to start-ups. Since silicon valley Banks serve innovative enterprises in the initial stage, most of them are in urgent need of capital support, so they are not very sensitive to the loan interest rate. In general, silicon valley Banks are 1 to 1.5 percentage points higher than other commercial Banks in the loan interest rate. And 30% of the money that companies receive from venture capital firms is deposited in the bank on demand, with fairly low interest rates. By taking advantage of large differences in the interest rates paid on deposits and loans, silicon valley Banks were able to earn higher rates than the average bank. For example, silicon valley bank chose Quintessent communication company in the information and electronic technology industry as its client and venture investment object. It adopted creditor's right investment, loaned to the company at a high rate of loan interest as the cost of risk, assisted its development through consultation and as a kind of regulation of its investment.

When adopting equity investments, silicon valley Banks enter into agreements with startups to take equity or subscribe for equity in order to profit from an exit. For example, when a silicon valley bank made a start-up investment in a biotech company, the Neurogenetics Corporation, it took an equity investment. Besides, I worked closely with Advent nternational venture capital company to strengthen the supervision of the company, provide consulting and banking services, and find more investors for the company. It is worth mentioning that silicon valley Banks are in the investment.

Borrow money to start a business, charging a higher rate than the market for general lending, and striking a deal with the business to get a share or a subscription. The purpose of this approach is to increase returns and reduce risks. Through the investment way of reasonable utilization, until June 30, 2003, silicon valley bank has 1770 subscribed shares, involving 1316 enterprises to invest in item 239 of venture capital, has 10 years of average return on capital investment was 14. 8%, especially in 1999 and 2000 respectively, 21. 9% and 33. 3%, 2000 stock option income reached $100 million. However, due to the slow growth of the us economy, the return on capital investment declined in 2001 to 17.8 per cent. However, it is fair to say that silicon valley Banks have been relatively successful in comparing the returns on investment across the entire unlisted equity market.

Silicon valley Banks blur the line between direct and indirect investment. "Direct" investment means that silicon valley Banks invest money directly into start-ups, without going through venture capital firms. When returns are generated, they are handed directly to the bank by the start-up. "Indirect" investment refers to the silicon valley bank's investment in the venture capital company, which is invested by the venture capital company, and returns to the bank by the venture capital company, among which the venture company will not have investment contact with the bank.

A close partnership with venture capital firms has been one of silicon valley's most important strategies. The silicon valley bank also provides direct banking services to both venture capital firms and venture capital firms, often with branches near them. The bank is also a shareholder or partner in more than 200 venture capital funds, building a stronger foundation for collaboration. In addition, the bank of silicon valley has set up an advisory committee on venture capital investment. These efforts have led to a network of silicon valley Banks and venture capital investors that can share information and collaborate more deeply.

The risk control and exit method of silicon valley bank is faced with the risk of start-up enterprises that commercial Banks do not like to talk about. How does the silicon valley bank control the risk? The prudent investment choice makes the silicon valley bank have a good start, the reasonable capital allocation makes the silicon valley bank has the sufficient profit prospect, the multi-directional risk control guarantees the silicon valley bank reduces the risk. Silicon valley Banks mainly adopt the following risk control methods:

The so-called risk isolation is that silicon valley Banks separate venture capital from general business. The venture capital funds of silicon valley Banks mainly come from stock market raising, and a few of them come from fund projects. They do not withdraw funds from general business, and general business is not diverted from venture capital funds, thus avoiding the corresponding risk impact. The bank has also set up two companies to manage the venture capital fund, further ensuring the normal operation of venture capital and risk isolation from the general business.

One is to invest in projects in different industries, implementing the portfolio. The second is the portfolio of projects at different stages. The third is the portfolio of projects with different risk levels. Fourth, the investment portfolio of projects in different regions and Spaces.

The silicon valley bank's investment is premised on companies backed by venture capital and looking for more venture capital firms to partner with, which is undoubtedly a manifestation of joint investment.

Silicon valley Banks, which mainly invest in the high-tech and biopharmaceutical industries, have made start-ups their own customers, offering services and expert advice after putting in the money. The proper use of these methods guarantees the return of capital and profits of silicon valley Banks. For nearly 100 years, 97.5 percent of U.S. bank failures were due to loan losses. Over the past 20 years, silicon valley Banks have lost less than 1% a year. As a commercial venture bank, it can achieve such achievements, which to some extent indicates that the implementation of risk control measures of silicon valley Banks is relatively good.

There are also innovations in the way silicon valley Banks exit. Silicon valley Banks mainly use public listing methods to exit venture capital investment. It takes equity, sells the startup after it goes public, makes a profit, and makes other investments. In the case of unlisted startups, silicon valley Banks are also using acquisitions to exit. There are two main methods of acquisition: merger, also known as general acquisition. Second, other venture capital investment, also known as phase ii acquisition. Venture capital has spawned a large number of new varieties, gradually from the traditional venture capital to the emerging venture investment transition.

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