Pioneer!Wenzhou, Zhejiang, promotes and applied the "Science and Technology Index" financing model

On the afternoon of June 23, the Wenzhou Banking Regulatory Bureau and the Wenzhou Science and Technology Bureau and the Wenzhou Finance Bureau held a banking insurance industry work conference to promote the application and application of the "science and technology innovation index" financing model in Wenzhou. At the meeting, the Wenzhou Banking Regulatory Bureau, the Wenzhou Science and Technology Bureau, and the Wenzhou Finance Bureau jointly issued the "Notice on Promoting the Application of the" Science and Technology Index "financing model to improve the level of science and technology and financial services, and held the signing of cooperation and science and technology of the Banking Insurance Cooperation Agreement and Science and Technology. Financial service grid staff flag -granting ceremony. Erhai Rural Commercial Bank introduced the experience of the early pilot work.

In recent years, Wenzhou has continued to "break the ice" to enrich and improve the first (set) insurance, new material insurance, R & D liability insurance and other products. , Entering a "Wenzhou Road" of low -cost financing of technology -based enterprises.

In July last year, the Wenzhou Banking Regulatory Bureau, the Municipal Science and Technology Bureau, and the Municipal Finance Bureau jointly and the three district governments of Licheng, Ouhai, and Longwan have issued the "About Construction of Financial Supporting Innovation and Development Experimental Platform to promote the construction of the Guizhou country's independent innovation "Notice of the Demonstration Zone" establishes a "3+3" cooperation mechanism to jointly build financial support for innovation and development experimental platforms in the science and technology parks such as the National University of Ouhai. The "Science and Technology Innovation Index" financing model is an innovation pilot launched under this platform framework. In terms of 11 indicators such as corporate qualifications, scientific research, high -level talents, and intellectual property rights, we will comprehensively evaluate the scientific and technological innovation capabilities of enterprises, so that enterprises can get bank credit support with their science and technology capabilities. On February 11 this year, the high -quality development and talent and scientific and technological innovation conference of Erhai District were held. At the meeting, the "Science and Technology Index" financing model was officially launched. As the first batch of pilot banks, the Erhai Rural Commercial Bank, with the support of various departments at all levels, realized the full coverage of the full coverage of science and technology enterprises in Erhai District through the "Science and Technology Innovation Index" financing model. 100 million yuan, of which 363 loans were issued and 380 million yuan. It is understood that the "Science and Technology Index" financing model pioneered the "Science and Technology Index Loan" product and opened up a new model of financing in my country.

Zhu Yanjun, Secretary of the Party Committee and Director of the Wenzhou Banking Regulatory Bureau, requires bank insurance institutions to take the "Science and Technology Index" financing model as an important starting point for practicing new development concepts, implementing financial support for financial support, and deepening the creation of private economic and financial services demonstration zones. , Accelerate the promotion and application, form experience that can be replicated and promoted, and contribute more financial forces to Wenzhou's continued history of innovation.

Wenzhou "Science and Technology Innovation Index" financing model promotion work meeting

"Science and Technology Index Loan" batch guarantee cooperation agreement signing contract

Science and Technology Financial Grid waiter's flag granting ceremony

The reporter learned from the promotion work conference that according to the "Science and Technology Index" evaluation system jointly compiled by the Wenzhou Banking Regulatory Bureau and the Municipal Science and Technology Bureau, various banking institutions have developed a special science and technology enterprise credit and risk control model on the comprehensive financial service platform. Mortgage "Science and Technology Index Loan" product. At the same time, formulate special credit authorization, due diligence exemption, assessment incentive mechanism, and improve the mechanism such as "continuous loan+flexible loan", expand the authority of credit loan approval of technology enterprises, and provide a comprehensive and effective mechanism guarantee for the "Science and Technology Innovation Index" financing model application application. Essence The Wenzhou Finance Bureau explores the establishment of a "science and technology innovation index" financing model risk compensation mechanism, and gives a certain percentage of risk compensation to bank institutions that carry out the business.

At the same time, Wenzhou financing guarantee companies and banking institutions have established a "total general" cooperation relationship, and providing financing guarantees for the "science and technology index loans" for single -household loans to not exceed 10 million yuan under the framework of the "dual guarantee" to help the amount of single -family loans. And provide a premium rate of 0.2 percentage points lower than ordinary "dual insurance loans". Each insurance institution is a "science and technology index" financing model supporting development technology enterprise loan guarantee insurance, accounts receivable confirmation insurance, research and development cost loss insurance, scientific research loss insurance, intellectual property insurance, etc. Essence

In addition, on the basis of the "three members" of the science and technology service of the Science and Technology Bureau, Wenzhou City will equip each science and technology company with a financial grid member to be responsible for the financial policy communication and financial services coordination of science and technology companies. In principle, the loan households are approved by the largest loan bank. The unpaid households combine the list of the enterprise and the area where the bank outlets are located, and strive to do a good job of the "financial service housekeeper" of technology companies.

Chen Kuan, deputy mayor of Wenzhou Municipal People's Government, said that he hoped that all institutions would fully understand the importance of deepening science and technology and finance under the new situation, further strengthening the sense of responsibility and urgency of work, and focusing on building a professional financial service that is compatible with Wenzhou science and technology innovation and development. system. Fully accelerate the exploration of the "Science and Technology Innovation Index" financing model, focus on the industrial chain of the innovation chain, and allocate the capital chain around the industrial chain, and realize the transformation from financial "blood transfusion" to industrial "hematopoietic".

Source: Science and Technology Finance Times

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