"Financial Engine" precise efforts help private enterprises to travel steadily

Affected by the multiple factors at home and abroad, the scope and extent of the difficulties and challenges facing private enterprises have further deepened, which is particularly urgent to increase the development of financing channels for private enterprises. For a long time, the Zhejiang Banking Insurance Regulatory Bureau attaches great importance to the development of private enterprises, adheres to innovation and leadership, implements differentiated supervision policies, and urges to guide bank insurance institutions within its jurisdiction in the construction of mechanism construction, product innovation, and process optimization. , Real results, continue to improve the quality and efficiency of private enterprises, and help the high -quality development of the private economy in Zhejiang. Private enterprises are the golden business cards of Zhejiang's economic development and the main engine of Zhejiang's high -quality development and construction common prosperity demonstration zone.

Go all out to increase financing support

In recent years, the Zhejiang Banking Insurance Regulatory Bureau has focused on the high -quality development of the manufacturing industry, promoted the bank insurance institutions within its jurisdiction to go all out to do a good job in the financial guarantee of Zhejiang's manufacturing industry, and continue to improve the quality and efficiency of private enterprises' financial services.

Wenzhou is the birthplace of China's private economy and is also a "capital of manufacturing." Under the deployment of the Zhejiang Banking Insurance Regulatory Bureau, the Wenzhou Banking Insurance Regulatory Bureau guided the banking institutions to promote manufacturing finance around the "5+5" industry chain and help "intelligent manufacturing" upgrades. Strongly support the development of advanced manufacturing, take the initiative to connect with the city's major manufacturing projects and 100 billion technical reform projects, and guide financial resources to the field of enhancement of the industrial chain, advanced manufacturing clusters, and "specialized new" enterprises.

Recently, a student of a raw technology enterprise in Wenzhou successfully obtained a 20 million yuan credit loan "Zhejiang Science Loan" from the ICBC Wenzhou Branch. ICBC Zhejiang Branch is the first batch of key cooperation banks in "Zhejiang Science Loan". This time, the ICBC Wenzhou Branch met the customer's financial needs to the greatest extent at the fastest speed and in the shortest time.

In order to promote the in -depth integration of the innovation chain, industrial chain, and capital chain, the Zhejiang Provincial Department of Science and Technology and the Zhejiang Banking Insurance Regulatory Bureau and other departments released the exclusive financing service project of "Zhejiang Science Loan" in October 2021. "Zhejiang Science Loan" can increase the amount of more than 30%in the standard of the mortgage guarantee loan amount of the same type of enterprise, increase the loan period of more than 1 year, and give the optimal loan interest rate under the same conditions to further solve the difficulty of financing and financing of technology companies. Slow financing.

"We want to introduce the world's most advanced BOPP film production line and set up a first -class technology R & D and management team. ICBC's financing support has allowed our project to embark on the development of the" fast lane '. "A new material company in Zhejiang The person in charge talked about the company's confidence in the future. It turned out that in order to open up a new situation in development, the company plans to quickly have the production and research and development capabilities of various types of BOPP membranes by introducing first -class production equipment and large -scale enterprise BOPP film production and development teams. After obtaining the information, ICBC Wenzhou Pingyang Sub -branch has actively communicated with each other many times, and soon promoted the successful landing of 300 million yuan in loan quotas.

ICBC Wenzhou Branch Expert Group visited high -end manufacturing enterprises

In the process of promoting the transformation and upgrading of the manufacturing industry, the support of the financial "hard core" power is inseparable. The ICBC Wenzhou Branch focuses on creating two trillion -level industrial clusters of traditional pillar industries and emerging leading industries, and continues to increase the proportion of manufacturing. As of the end of August, the bank's cumulative loan amount of various loans exceeded 70 billion yuan, of which the balance of manufacturing loans exceeded 30 billion yuan.

Similarly, the Fujian Strait Bank Wenzhou Branch has given full play to the role of the service entity of small and medium -sized cities, and insists on providing strong financial services for the high -quality development of the private economy. As of September 12, the bank's private enterprise loan balance was 2.475 billion yuan, an increase of 360 million yuan from the beginning of the year.

Ruian City is the top 100 county and cities in the country. Local plastic machinery, printing machinery, and packaging machinery are well -known at home and abroad. The "800 annual output/set of digital printing and laser -cutting equipment" project built by a leading enterprise in Ruian was listed as a major project in Zhejiang Province in 2021, but lacks funds in the project promotion. When the Fujian Strait Bank learned the company's financing difficulties, it was a creditworthiness company by customizing the special credit solution model to provide precise services for the transformation and upgrading of the machinery industry.

"Science and Technology Index Loan" activation of innovation motivation

In recent years, a large number of scientific and innovative enterprises with professionalism, refinement and characteristics have continued to emerge, and gradually grow into the "little giants" in various segments, which releases "big energy". The Zhejiang Banking Insurance Regulatory Bureau focuses on scientific and technological innovation, guide banking institutions to increase credit guarantee, and help the growth of science and technology enterprises.

In the absence of traditional mortgages, can science and technology innovative enterprises have obtained the funds that are urgently needed through their own intellectual property rights? The reporter found in Wenzhou's on -site interview that this question had a positive answer.

"Enterprises lack fixed assets, and the factory buildings are also rented. It is difficult to obtain loans in the bank. Now we have loaned from Erhai Rural Commercial Bank to 4 million yuan with the 'Science and Technology Innovation Index'. Lin Liangbao, head of the company's company, said. Qi Pai Smart Company is a smart electrical appliance and power equipment processing manufacturing enterprise. At present, there are more than 160 patents in the field of smart sink -type dishwasher. The company originally wanted to show its fist in the field of commercial cleaning filter, but touched the wall during financing. After visiting the Erhai Rural Commercial Bank to learn about Lin Liangbao's financing demand, after the "Science and Technology Index" was divided into calculation, Qi Pai Smart scored 83 points. The credit was good. Soon, 4 million yuan of loans arrived in the corporate account. From a private economy city to the pilot city of "Science and Technology Innovation China", Wenzhou continues to work in the field of science and technology innovation. In response to the financing problem of science and technology enterprises, the Wenzhou Sinvices Bureau and the Science and Technology Bureau and other departments jointly developed the "Science and Technology Innovation Index" evaluation system, launched 11 indicators of innovation capabilities, innovation output, and innovation integration to conduct the company's scientific and technological innovation capabilities. Evaluate the division and joint financial institutions to conduct corresponding credit loans.

In February of this year, the "Science and Technology Index" financing model was first piloted in Erhai District. Erhai Rural Commercial Bank led the city first, piloted the "science and technology index" financing model, and supported the launch of the "Science and Technology Index Loan" to inject "financial living water" into the development of local science and technology innovation SMEs. Since the pilot, Erhai Rural Commercial Bank has established a normal visits mechanism to conduct a full visit to the entire "Three -Three Fives" in the entire bank, and covers the full coverage of 1082 technology -based enterprises in the region. After scanning the "Sunshine Code" of the scanning scanning index of technology enterprises, the electronic version of the "pre -letter notice" can be obtained, and "a little loan" can be achieved when the enterprise has financing needs. As of the end of August, the bank used the "Science and Technology Index" model to be "non -sensing credit" of 1082 technology companies in Ouhai District, 1.11 billion yuan, with a number of people with 417 people, and the financing amount exceeded 452 million yuan.

Erhai Rural Commercial Bank Innovation "Science and Technology Innovation Index" financing model

According to the relevant person in charge of Erhai Rural Commercial Bank, the bank fully used the "Science and Technology Index" financing model to successfully pilot experience and extend small and micro financial services to more market entities. So far ", 8 pillar industry member companies" Credit Credit ", with a credit amount of 12 billion yuan, and established inclusive financial service stations in the small and micro park. Financial services are from technology -based enterprises to manufacturing, sales, and other upstream and downstream enterprises. Extension, change "single field" to "overall advancement".

The "Science and Technology Index" financing model was promoted and applied in the city in June this year, injecting new vitality into more private technology -based enterprises. Data show that as of the end of August, 22 banks in Wenzhou have received a credit of 3.651 billion yuan to 2,226 science and technology companies through the "Science and Technology Index" financing model, and a total of 1.725 households of "Science and Technology Innovation Index Loan" have been issued a total of 2.596 billion yuan.

Fresh and smooth financing to enhance the confidence of private enterprises

In the first half of this year, the loans of private enterprises in Zhejiang Province increased steadily, and in order to improve the acquisition of private enterprises' financing and enhance development confidence. As of the end of June, the province's private enterprise loan balance was 7.8 trillion yuan, an increase of 802 billion yuan from the beginning of the year, an increase of 17.5%year -on -year.

In order to improve the stability and matching of corporate financing, the Zhejiang Banking Insurance Regulatory Bureau has established a "continuous loan+flexible loan" working mechanism, scientifically matched the production and operation cycle of enterprises, and in order to undertake the company's expiration loans. At the end of June, the province's "Continuous Loan+Flexible Loan" mechanism loan balance was 3.3 trillion yuan, of which 2.1 trillion yuan of enterprises, accounting for 50.06%of the loan ratio of corporate mobile funds; 1.9 trillion yuan of inclusive small and micro enterprises, accounting for " Continuous loan+flexible loan "loan balance is 58.1%.

Private small and micro enterprises and individual industrial and commercial households are both new seedlings in the real economy and the weakest market entity in the epidemic. In Wenzhou, the main body of the enterprise has exceeded 300,000. It is necessary to stabilize the economic market of the camping, especially in this area that is mainly small and medium -sized enterprises, financial forces cannot be underestimated. The Wenzhou Banking Insurance Regulatory Bureau specially set up a leading group to support the stability of the economy and improve quality, and guide financial institutions to pay repayment interest in accordance with the list system. Industry and commercial households, truck drivers and other independently negotiated to repay their principal and interest on the implementation of their loans, and strive to delay.

In response to the financing needs and operating characteristics of private small and medium -sized enterprises, ICBC Wenzhou Branch empowers financial services with digitalization and accelerate the construction of a "continuous loan+flexible loan" service mechanism. Innovative products such as renewal loans, while realizing the automatic access of online products such as “fast loans” and “E to fast loan”, and the shortflow process approval, in -depth special operations such as “three services” and “three -in -hundreds into 10,000 enterprises” , Open the "last 100 meters".

Straits Bank Wenzhou Branch staff go deep into the construction company

The Fujian Strait Bank Wenzhou Branch actively implements the work requirements of the Wenzhou Banking Regulatory Bureau, establishes the working mechanism to extend the work, and connect the number of customers in the extension of the stock two months in advance to formulate the expiration of the expiration. Priority to provide priority to delay financial services, without the need for customers to provide materials, and alleviate the pressure of corporate funds. Since this year, it has handled the 728 loan principal extension for private enterprises. At the same time, the bank promotes online small categories with loans with liquid funds. According to the use cycle of corporate funds, we will freely withdraw money within the credit term of the amount to increase the facilitation of corporate financing and reduce the cost of corporate financing. Investment was 39.975 million yuan. Digital reform empower the quality and efficiency of financial services for the private economy. Relying on the financial comprehensive service platform led by Zhejiang Banking Insurance Bureau, the Wenzhou Banking Insurance Regulatory Bureau uses big data to solve the difficult point of financing difficulties in private enterprises. As of the end of August, Wenzhou Banking Institutions had a total of 19919 strokes and a credit of 159.08 billion yuan through the provincial financial comprehensive service platform, which brought great convenience to private enterprises' financing.

Correspondent Zeng Jukai Huang Zhang Miao Chang Yuzhang Zhu Yaoyao Reporter Xu Huimin

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