[Suggestion story of 100 bills] Zhang Xinghai: Financial institutions must be more tolerant of innovative enterprises

Financial institutions should be more tolerant of innovative enterprises

——The representative of Zhang Xinghai on enhancing the tolerance of financial policies and systems and supporting high -quality development of innovative enterprises

△ Zhang Xinghai's representatives were carefully amended during the meeting of the National People's Congress.

On March 5, 2019, the Second Session of the 13th National People's Congress was grandly held in Beijing. The moment Zhang Xinghai's representative walked into the Great Hall of the People again, the sacred mission and strong sense of responsibility seemed to be incorporated into the blood, and his heart was full of excitement and excitement.

This time, through years of experience and full survey, Zhang Xinghai representatives came to Beijing with 6 carefully prepared suggestions. Among them, the "suggestion on enhancing the financial policy and system and the support of high -quality development of innovative enterprises" was handed over to China The CSRC and the China Banking Regulatory Commission were studied and handled.

With the advancement of the proposal, Zhang Xinghai's representative was pleased to feel the positive changes in the tolerance of financial policies on innovative enterprises. Compared with in the past, banks' support for private enterprises, physical enterprises and innovative enterprises has increased significantly, and it focuses on the long -term and growth of innovative enterprises, rather than simply just looking at financial statements to determine support. The science and technology board and GEM have also have a more inclusive delisting system for innovative enterprises.

In December 2020, based on the experience of absorbing the reform of the science and technology board and the GEM delisting system, the Shanghai and Shenzhen Exchange released a new delisting regulation, which changed the delisting index that simply evaluated the net profit in the past, and adopted the operating income and deducted non -deduction non -non -deduction. Comprehensive indicator of net profit. These real policy dividends have brought strong power guarantee to corporate innovation drivers, and also made Zhang Xinghai representative feelings. Recalling the formation of this proposal, Zhang Xinghai's representatives still remembered.

Finance is the blood of the national economy. Financial services are self -evident for innovative enterprises with greater investment in R & D. However, in the real economy, whether it is from bank loans or bond financing or seeking equity financing from the stock market, there is a certain threshold and need to meet the corresponding conditions. The decline in profits or losses is different from the decline in profit or loss caused by poor operation.

Under the condition of limited financial market tolerance, some innovative enterprises, especially innovative private entities, have to face the embarrassing situation of "not investing is to die, and investment is to find death" when investing in investment.

In order to find a way to solve this problem, Zhang Xinghai represents in -depth research in Gansu, Hubei, Guangdong, Chongqing and other places from 2018 to 2019 to communicate with entrepreneurs. During the survey, he found that private enterprises have difficulty financing, expensive financing, and small tolerance for private enterprises in financial markets, and have become the common troubles of entrepreneurs. Zhang Xinghai thinks that no net profit cannot be equivalent to innovation failure, and we must look at innovation and tolerance innovation from a long -term perspective. Without inclusive financial policies, it is impossible to have high -quality development of innovative enterprises.

On March 5, 2019, Premier Li Keqiang specifically mentioned in the government work report that it focused on alleviating the expensive financing of corporate financing difficulties. After listening to the report, Zhang Xinghai's representative was difficult to calm down his inner excitement. After returning to the station, he took out the "tolerance on enhancing the financial policy and system and supporting the high -quality development of innovative enterprises" drafted before, and continued to draw in circles. After changing, he had been modified that night until 1 am.

The next day, Zhang Xinghai submitted this heavy "suggestion to enhanced the tolerance of financial policy and system and supporting high -quality development of innovative enterprises" to the secretariat of the Secretariat of the General Assembly. This proposal explains the financing problems encountered by innovative enterprises, especially innovative private enterprises, in depth, and in -depth analysis of the reasons such as loans, delisting and re -financing systems related to these difficulties, and further expanding financing channels, optimizing financing procedures for financing, optimizing financing procedures , To improve the work of financing conditions and other valuable suggestions and suggestions.

He also proposed a certain tolerance period for enterprises that change the existing delisting system, giving companies that caused a large loss due to technological research and development; changing the standard of banks to review the company's reporting healthy standards will be good for future long cost reduction and efficiency and efficiency and valuable. In terms of considering the scope of consideration; optimization and improvement of the capital market re -financing standards.

Representative Zhang Xinghai said that it should be encouraged and tolerant of enterprises to adhere to innovation and leading development, improve their ability to develop scientific and technological support, cultivate and form core competitiveness, and provide technical supply for high -quality development. Conducive for economic sustainability and healthy development.

In response to the relevant situation mentioned by the proposal, the CSRC actively explored a more inclusive delisting system, and stated that the current registration system reform is being promoted. It will further evaluate the reform and optimize the re -financing system. The China Banking Regulatory Commission has continued to improve the banking regulatory policy and guides banking financial institutions to the fair, accurate, and effectively carried out private enterprise credit business. The measures and practices adopted by the regulatory authorities have significantly increased the tolerance of financial policies and promoted the high -quality development of innovative enterprises.

Representative Zhang Xinghai said that due to the impact of the epidemic in 2020 and the continuous investment in the development of new energy vehicles, the well -off Industrial Group he worked for a temporary losses, but many local banks in Chongqing still gave medium- and long -term loans, and the pledged stocks were not shared on the pledged stocks. Discounts, some banks also actively increase the loan amount according to the needs of the group, which reflects the bank's tolerance for innovative enterprises.

Representative Zhang Xinghai also remembered the situation when he went to Gansu to investigate in July 2018. During the investigation, he recognized and adopted 1,000 euphoric trees at the northwest end of the Hexi Corridor.He said: "Popular trees can not die in the desert for thousands of years, do not fall for thousands of years, and are immortal for thousands of years. This symbolizes a kind of innovation, constantly surpassing self, adapting to the times.Adaptation to the times and self -iteration. I will also faithfully fulfill the duties of the people's congress representatives with the spirit of the poplar trees, build a good statement, and offer a good strategy! ""This book

Editor: Gong Yixi

Responsible editor: Zhang Yuzhen

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