Hubei Talent Policy Express ④ | Financing Guarantee Credit Credit Credit Help Science and Technology Talent Innovation and Entrepreneurship

In April of this year, the General Office of the Provincial People's Government issued the "Implementation Plan for the Construction of Hubei Science and Technology Financing Guarantee System" to build a scientific and technological financing guarantee system that focuses on service technology innovation enterprises, give full play to the role of "bridge" of financing guarantee, and attract "financial living water" to nourish Technology companies, focus on solving the problem of innovation and entrepreneurship of science and technology talents. In this issue, the Provincial Local Financial Supervision Bureau focuses on relieving the financing problems of scientific and technological enterprises and sorting out and introducing relevant scientific and technological financing guarantee policies.

1. The product and service provided by the financing guarantee company to science and technology talents

1. Tailor -made guarantee products

In response to the characteristics of light assets and unsecured small and medium -sized enterprises in technology, financing guarantee companies reduce thresholds, optimize services, carry out equity pledge and intellectual property pledge, continuously increase credit loans and credit guarantee proportion, and develop science and shares Loan, Kaord Loan, Kewa's specialized new loan, and Kuang Express loan, etc., accurately meet the financing needs of science and technology small and medium -sized enterprises.

2. Improve the loan amount

Scientific and technological enterprises have a long R & D cycle, large investment, and high demand for funds, but bank credit quota is limited. For these technology -based enterprises with high demand for development and funds, the provincial science and technology guarantee companies and municipal and county financing guarantee institutions will carry out joint insurance and sub -insurance, give full play to the role of the science and technology financing guarantee system Psychological, up to the maximum limit of science and technology financing guarantee business to 20 million yuan to "support" and "send a horse" for science and technology -based small and medium -sized enterprises.

3. Provide a full life cycle service

Explore financing guarantee companies with entrepreneurial investment institutions and banks to carry out "investment and loans" business linkage. Financing guarantee companies and corporate credit rating agencies, credit rating agencies, insurance companies, and asset management companies have strengthened cooperation to provide a full life cycle service for small and medium -sized enterprises in science and technology.

2. Guide financing guarantee companies to increase the measures for the service of science and technology talents

1. Construct a science and technology financing guarantee

The Provincial Reinsurance Group contributed 500 million yuan to form a Hubei Provincial Science and Technology Financing Guarantee Co., Ltd., and Yichang City took the lead in the establishment of a municipal science and technology guarantee specialized institution. Government financing guarantee institutions have added a science and technology financing guarantee business department to provide guarantee services for high -tech enterprises and technology -based small and medium -sized enterprises in the province.

2. Establish and improve the "four supplements" mechanism

Supervise and guide localities to establish and implement capital supplements, risk compensation, premium subsidies and business awards work mechanisms for government financing guarantee companies, and appropriately improve compensation for compensation for science and technology financing guarantee business. In accordance with the principle of "who benefits and who subsidizes", the guarantee rate of technology financing guarantee for the guarantee premium rate of Hubei Science and Technology Financing Guarantee Co., Ltd. will provide premium subsidies by the city and counties of the city and counties. %.

3. Optimize the new type of government and silver burden mode

Increase the risk sharing ratio of local governments from 10%to 20%in the cooperation of new types of political and banks, that is, the new type of government and banking cooperation with scientific and technological financing guarantee business is by the provincial reinsurance group, guarantee agency, cooperative banks, and city and county governments. 2: 2: 2 proportion sharing risk liability. For example, Wuhan Integrated Science and Technology Special funds launched "Science and Loan" products, subsidized banks to banks, and compensated the financing guarantee company to effectively enhance the enthusiasm of financial institutions for technology -based talents.

4. Implement the duty exemption mechanism and optimize performance evaluation mechanism

After the business is out of modern compensation, the dedication to investigation is determined to exempt the responsibilities of the officers and reduce the worries of accountability and accountability. A separate statistics and individual assessment of science and technology financing guarantee business are implemented to enhance the enthusiasm of the financing guarantee company to expand the science and technology guarantee business.

3. Application process for science and technology talents to handle guarantee business

1. The borrower submits a guarantee loan application to the financing guarantee company or the bank.

2. Financing guarantee companies have completed due diligence and internal approval.

3. The borrower handles credit procedures and guarantee procedures in accordance with the requirements of banks and financing guarantee companies, and signed relevant contracts.

4. The financing guarantee company shall issue a lending notice to the bank, and the bank shall implement the lending.

At the same time, in order to meet the needs of fast applications online, you can log in to the website of the financing and credit platform of SMEs in Hubei Province (referred to as "Errian Tong")

https://dfjrjgj.hubei.gov.cn/szxqyxyxx/nterprise/index.html, select the relevant guarantee product, you can also apply through the bank agency APP application. Products such as "Kuang Creation" and "Chu Hui Loan" can achieve "3 minutes of loan application, 0 manual intervention, and 1 key withdrawal".

(Source: Provincial Local Financial Supervision and Administration Bureau Coordinating: Provincial Human Resources and Social Affairs Department)

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