Abstract Science and technology finance is an important means to promote technological innovation and a powerful tool to accelerate the transformation and industrialization of scientific and technological achievements. Yesterday, the reporter learned from the Provincial Science and Technology Department that in order to innovate the use of financial technology funds, play a role in the amplification and guidance of financial funds, and promote banking finance...
Science and technology finance is an important means to promote technological innovation and a powerful tool to accelerate the transformation and industrialization of scientific and technological achievements. Yesterday, the reporter learned from the Provincial Science and Technology Department that in order to innovate the use of financial technology funds, play a role in the expansion and guidance of financial funds, promote banking financial institutions to increase credit support for science and technology-oriented SMEs in our province, and crack the technology-based SMEs. In the financing problem, the Provincial Science and Technology Department and the Finance Department jointly launched the “Technology Loan†business of science and technology finance in our province. What is "Technology Loan"
It is understood that "Technology Loan" is based on the principle of "government guidance, market operation, professional management, risk sharing", setting up provincial science and technology credit reserve, implementing special account management, for the cooperation of cooperative banks for technology-based SME loans. The actual loss is compensated for the loss. Guide commercial banks to reduce the physical assets of technology-based SMEs to meet the pledge requirements, mainly use independent intellectual property rights, equity and other intangible assets to provide loan support in the form of non-realized pledge, thereby promoting financial institutions such as banks to vigorously carry out technology loan business and solve light asset technology. SME financing problems.
Which companies can enjoy the business
According to the relevant person in charge of the Science and Technology Department, the “Technology Loan†business will cover the whole province. They hope that after two years of efforts, the cooperative bank will issue loans of more than 2 billion yuan a year, and guide banks to support about 1,000 SMEs. The loss rate is controlled below 5%.
So which companies can enjoy the business? This is responsible for the introduction of technology-based SMEs that have been filed in the SMEs of Henan Province.
Which banks can handle
According to the "Henan Province Science and Technology Finance "Technology Loan" Business Implementation Plan issued by the Provincial Department of Science and Technology, the Science and Technology Department will select the "Technology Loan" business cooperation bank, commercial bank and state-owned bank in accordance with the principle of fairness, competition and merit. Policy banks can apply, and the Henan Research and Production Production Test Base Management Service Center, as the trustee of the “Technology Loan†business, will set up special accounts in each cooperative bank according to the situation of each cooperative bank business to carry out reserve deposits. .
"In addition to setting up a provincial-level science and technology financial comprehensive service platform, it will also support the establishment of science and technology financial comprehensive service platforms in various provincial, municipal and provincial high-tech zones, and regularly organize bank-enterprise matchmaking meetings, financing fairs, financial product promotion meetings and training sessions, etc. , to collect all kinds of financial products and services, to provide 'one-stop' investment and financing services for small and medium-sized enterprises," the official said.
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