This paper reviews the commercial banks’ previous exploration and attempt in the service of scientific and technological innovation enterprises. And afterwards, as now the government has officially launched policies and delineated pilot institutions and areas to carry out the investment and lending linkage business, this paper discusses the opportunities and challenges associated with commercial banks to engage in the investment and lending linkage business. Finally, this paper puts forward relevant proposals for commercial banks to serve technology innovation enterprises. Through post-event reviews and present discussions, hopefully this paper can provide some references for commercial banks to carry out the investment and linkage business.