Science and Technology "living water" pouring innovation "fertile soil"

Henan Daily client reporter Wang Yinan

"With the bank's loan support, everything goes well." Recalling the company's development process, the person in charge of Zhengzhou Yunzhixin'an Security Technology Co., Ltd. was embarrassed.

Yun Zhixin Anan can be described as "born jade". It is a national high -tech enterprise and seed unicorn enterprise. Although the starting point is high, the initial period of the enterprise and the fast -growing period require the most needed capital assistance, just like children in infants and young children need milk to nurture.

In early August, when Yun Zhixin was urgently needed for the product of the product in production and operation, Zhengzhou Bank of Science and Technology and Finance Division actively favored it to combine the low interest rate, weak guarantee, and long cycle of policy -exclusive products in policy -based science and technology, which is the attributes. It designed a scientific and perfect financing plan. To this end, Zhengzhou Bank worked overtime and opened up green channels, and quickly handled Yunzhixinan's credit limit for 10 million yuan. At present, Yun Zhixin Anzheng conducts batch withdrawal in batches according to his own order needs.

"Zhengzhou Bank gives full play to the advantages of the layout of the institutional outlets, sent a special person to docking throughout the process, and comprehensively understand the blocking points faced by science and technology enterprises in the transformation of production and operation, and customize the exclusive financial service solution of the growth trajectory of science and technology enterprises." Yuan Yuan, deputy general manager of Zhengzhou Bank of Science and Technology Innovation Finance, said.

On April 2nd, the opening ceremony of the Local Policy Science and Technology Institute of Policy Science and Technology and Finance and the Unveiling Ceremony of Zhengzhou Bank Science and Technology and Financial Division and the Financial Zhigu Branch was held. At this point, the development of science and technology finance in our province has ushered in a new period for butterfly changes. As a strategy of science and technology finance, what gains have the province's local policy science and technology finance in our province since operation?

"As the main body of local policy science and technology innovation and financial operations in our province, Zhengzhou Bank set up a science and technology financial business department in the head office, and set up a number of specialized teams such as Financial Zhigu Branch and Central Plains Science and Technology City Science and Technology Innovation Branch in the urban area. Specialized institutions, full -time teams, focusing on science and technology innovation, separate account management, separate performance assessment, individual risk tolerance, separate customer access, and separate credit approval of the "three specialty and five individual" operation mechanisms, stimulating the endogenous support for the development of science and technology innovation enterprises Power. "Yuan Yuan said. Since the marketing of pre -facilitated customer marketing on May 10, Zhengzhou Bank has served 3,740 notice notice, with a pre -granted credit amount of RMB 30.85 billion. Since April Returning regulations, regulatory reforms, and listing of shares "enterprises with 1,762 companies, with a value of RMB 12.85 billion.

It is particularly gratifying that at present, Zhengzhou Bank has signed a policy science and technology and financial cooperation agreement with 15 provinces and municipalities in our province to reach an agreement on low -cost capital sources, risk sharing mechanisms, and support for enterprises. Among them, the Shangqiu Municipal Government issued a notice of supporting the development of policy science and technology and financial business, marking the formal entry into the implementation stage in the local area.

Yuan Yan said that in the next step, Zhengzhou Bank will continue to focus on the needs of the growth stage of science and technology enterprises, accelerate the launch of innovative credit products such as "seed loan", "science and technology E loan" and "R & D loan", promote online business upgrades, explore and improve lightness Asset science and technology innovation corporate financing channels, establish a financial service system covering the full life cycle of science and technology enterprises.

In order to give full play to the financial role, leverage technological power and stimulate the vitality of innovation. Our province explores the development of local policy technology finance. The province's science and technology loans have cumulative science and technology loans to support science and technology small and medium -sized enterprises and high -tech enterprises with 1,816 (times) and issue loans of 9.765 billion yuan.

The relevant person in charge of the Henan Banking Insurance Regulatory Bureau said that it will give full play to the support of financial institutions for scientific and technological innovation, and to establish a compensation mechanism for scientific and technological credit loss to guide banking financial institutions to increase credit support for scientific and technological small and medium -sized enterprises.

On the spot, the provincial science and technology enterprises that have been fully irrigated by financial water will grow from a grain of "the seeds" to "the wood of the hug."

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