Let the intangible assets become "Diamond Diamond"!Financial institutions "group" came to the door, and small and medium -sized enterprises "wait" financing

Wind Financial Reporter Wang Hao

The private economy and small and medium -sized enterprises are the vital force and the main force of the development of the real economy. They are important forces to stabilize the economy, ensure employment, protect people's livelihood, and promote innovation and entrepreneurship. As of now, the market entities in Qingdao have exceeded 2 million households, of which private market entities accounted for more than 98%, and private enterprises accounted for more than 95%of the total enterprises in the city. The 13th Party Congress report of Qingdao clearly stated that promoting the high -quality development of the real economy, enterprises are the main body, the park is the carrier, and the policy is guarantee.

For the high -quality development of small and medium -sized enterprises, at present, the "financial assistance entity · "Yi Enterprise Entering the Park" —— I have grown up and financing service activities in full swing.

It is worth noting that this financial service activity is quite "practical". Relevant departments and financial institutions will deepen the city's key industrial parks through visits and investigations, and publish the "Financial Assistance entity · Enterprise Enterprise Entering the Park" financing service activity list "to enterprises in the park. In terms of problems and demands, at the same time, it is difficult to organize financial institutions on the problems of corporate feedback. The "one enterprise, one policy" research solution, strive to solve corporate financing problems, promote industrial agglomeration and cluster development, and help the city's high -quality development of the city.

Help the seven financial institutions group group groups to send "gift packages" to the enterprise

The park is an important carrier of industrial development. On the 15th, "Financial Assistance entity · Enterprise Enterprise Entering the Park" I have entered Qingdao Blue Valley with the company's growth and financing service activities. During the period, the Agricultural Bank of China Qingdao Branch, Pudong Development Bank Qingdao Branch, PICC Property & Casualty Insurance Qingdao Branch, Qingdao Engineering Consulting Institute, Qingdao Financing Remoring Co., Ltd., Qingdao Jugou Financial Leasing Co., Ltd. The company's seven financial institutions "group door -to -door" sent "financial gift packages" to enterprises in the district.

On July 15th, Guo Zhendong (third from right), director of the Qingdao Civil Camp Economic Development Bureau, Li Jie (third from left), deputy director of the Qingdao Civil Camp Economic Development Bureau, and Song Chaohui (second from left), deputy director of Qingdao Banking Regulatory Bureau, led the team to visit Qingdao Blue Valley Enterprise

What attracts these financial institutions is not the plenty of collateral guarantees for enterprises, but the light of hope for the future development of the park. As a strategic carrying area for the construction of the Qingdao Municipal Party Committee and the Municipal Government to help marine powers and the construction of a strong marine province, Qingdao Langu was approved by the three national demonstration bases of the National Ocean Economic Development Demonstration Zone, the National Science and Technology Xinghai Industry Demonstration Base, and the National Innovation and Entrepreneurship Demonstration Base , Gathering 28 scientific research institutions of the "national name", 25 universities and research institutes, 77 innovative platforms, and more than 10,000 talents. "At present, Qingdao Langu is anchoring the goal of the Ocean Science City, accelerate the creation of four thousand acres of industrial parks, three major cities to update sectors, build a source of marine science and technology innovation with global influence and competitiveness, and build a leading domestic marine economy development In the demonstration area, build a high -quality blue Valley New Town that is livable and suitable for tourism. "From the perspective of Mao Junxiang, deputy secretary of the Party Committee and executive deputy secretary of the Qingdao Langu Administration, Mao Junxiang, the deputy secretary of Jimo District Party Committee, financial institutions have set up branches. The introduction of rich financial product services is the embodiment of the future development of Qingdao Langu.

The development of the region is inseparable from the responsibility of the enterprise. In Qingdao Langu, science and technology innovation companies focusing on emerging industries can be described as Tibetan Dragon and Crouching Tiger. Up to now, there are more than 7,000 registered enterprises in Langu Industry and Commerce, including 1 unicorn enterprise, and more than 190 small companies, specialized and new and national small enterprises.

Qingdao Moritt Intelligent Instrument Co., Ltd. develops and produces ocean and lake three -dimensional profile observation systems in the country leading in China. Many technologies fill domestic gaps. As an enterprise's "housekeeping skills", core technologies such as IoT technology, underwater images, and artificial intelligence make them become international first -class technology companies in the field of far -reaching sea artificial intelligence operations. Just recently, the net clothes cleaning robot independently developed by the enterprise was shortlisted for the first (set) technology equipment in Shandong Province in 2022.

Smart Navigation (Qingdao) Technology Co., Ltd. has the first self -developed autonomous navigation system in China. It integrates functions of automatic reliance, autonomous avoidance, and self -tracking. Essence The company has obtained nearly 300 various intellectual property certificates in the field of intelligent shipping. Comprehensive experimental base.

Financial innovation makes intangible assets a "diamond diamond" of corporate financing

As a gathering place for science and technology enterprises, while Qingdao Langu, while the future of the decisive industry, the development of corporate development is inevitably facing funding problems.

"The entire industry has a lot of market space and a large investment in R & D. As a startup, we have invested 100 million in three years." During the survey, the person in charge of a high -tech cell biomedical company with innovative drive admits that the industry research and development cycle is longer If you want to highlight the siege in the track as soon as possible, strong financing support is essential. As far as the enterprise itself is concerned, it will still face hundreds of millions of yuan in capital investment in the future.

The person in charge of another far -reaching intelligent network equipment R & D enterprise also admits that due to the high cost cost, as a large -scale enterprise with strong strength as a breeding equipment, there are certain restrictions on the expansion of sales scale.

The pain point of the enterprise is the breakthrough point of financial services. "Financial -assisted entity · Enterprise Enterprise Entering the Park" I have a highlight of the company's growing financing service activities with enterprises is financial technology innovation. On July 15, a discussion with Qingdao Langu Enterprise

For example, in response to the high value of the single set of finished products produced by enterprises in the Langu District of Qingdao, Qingdao Juliu Financial Leasing Co., Ltd. launched a direct rental model (its own production equipment). "This model is different from traditional financing leasing, which can provide financial leasing services for downstream customers of enterprises, thereby helping enterprises to expand sales scale, increase market share, and increase competitiveness." Relevant person in charge of Qingdao Juliu Financial Leasing Co., Ltd. said, so as to say this, so as to say, this should be The second time I walked into Qingdao Langu Special financing service activities as an example. Through visiting investigations, intangible assets are the "Diamond Diamonds" of high -end scientific research enterprises in the Langu area. To this end, they are still actively under the guidance of the regulatory authorities and actively. Explore the financial lease model of intangible assets (intellectual property, trademark rights, patent rights, etc.). In the next step, the company will actively promote the implementation of the intangible asset financing leasing business as soon as possible, and at the same time provide financing services around the company's fixed assets and intangible assets, abandon the traditional mortgage guarantee means, implement digital penetration of leased property, and activate the business of enterprises Fixed assets, optimize the asset -liability structure, and achieve financial support for physical enterprises.

Policy escort mechanism Optimize the problem of corporate financing problems

"Financially help entities and benefit enterprises enter the park" -This and enterprise growing up financing service activities aims to mobilize the city's financial institutions for in -depth connection with the key industrial parks of Qingdao City. Supporting support measures, striving to solve corporate financing problems, promote industrial agglomeration and cluster development, and help the city's high -quality development of the real economy in the city.

It is reported that as of the end of May this year, the city's loan balance of small and micro enterprises in the city was 567.954 billion yuan, an increase of 30.309 billion yuan from the beginning of the year, and the growth rate was 0.4 percentage points higher than the growth rate of various loans. The number of small and micro -enterprise loans was 266,700, an increase of 13,600 households from the beginning of the year. The balance of private enterprise loans was 669.704 billion yuan, an increase of 3.92%over the beginning of the year. In the first five months of this year, the city's banking financial institutions issued a new inclusive small and micro enterprise loan interest rate of 4.59%, a decrease of 0.4 percentage points from the previous year, effectively saving the financial cost expenditure of small and micro enterprises.

The accurate reach of financial services for small and medium -sized enterprises cannot be separated from policy guidance and support. Since the beginning of this year, the Qingdao Citizenship Economic Development Bureau, together with the Qingdao Finance Bureau, Qingdao Local Financial Supervision and Administration Bureau and other relevant departments, has successively issued the "Notice on Implementing Government Financing Guarantee Policy to Support the Development of Small and Micro Enterprises and" Three -Rural, Rural, Rural, Rural, Rural ". The policy documents such as the "Implementation Rules for the Refuge of the Financing Leasing Business of Small and Medium Enterprises in Qingdao" and other policy documents to help crack the financing problems of small and medium -sized enterprises.

For example, for small and medium -sized enterprises that generally lack effective mortgages, the only machinery and equipment cannot be recognized by banks, making it difficult to obtain bank loans. The construction of the financing guarantee system is an opportunity to speed up the shortcomings and weaknesses. The compensation of 100%, 80%, 60%, and 50%compensation for compensation is effectively established to effectively establish a capital supplementary mechanism for municipal re -guarantee agencies.

In response to the high guarantee rates reflected by the enterprise, the single -house guarantee amount carried out by the market -oriented guarantee institution is 10 million yuan and below and the annualized guarantee premium rate does not exceed 1.5%. ; Subsidies with a single household guarantee amount of 5 million yuan and below and an annualized guarantee rate of not exceeding 1%, given subsidies with an annualized guarantee rate of 1%, and actively guide financing guarantee agencies to carry out low -rate guarantees.

At the same time, the Qingdao Civil Camp Economic Development Bureau adheres to platform thinking and ecological thinking, and has developed and constructed the "Qingdao Policy Policy" one -stop policy service platform for the "difficult to find, declaration of leg running, and progressing in progress" reflected in the enterprise. , And continued to optimize the platform's functions, creating a policy of “publishing, interpretation of one -bite, one -bite, one -bite service, and one -sided evaluation” policy to benefit the enterprise. Up to now, the platform's cumulative views have exceeded 3.76 million times, bringing more than 23,000 policy information, 25,000 registered users, and more than 6,200 companies to complete online declarations, with a schedule of 100 % on schedule.

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