Scientific and technological innovation is an important driving force for Shenzhen's economy to create new momentum and achieve cross-cyclical economic growth. Recently, the first financial work conference proposed to "do a good job in science and technology finance, green finance, inclusive finance, pension finance, digital finance five major articles", science and technology finance as the first of the five articles, further clarified its important position in improving the quality and efficiency of financial services in the real economy and promoting high-quality development.
How to see through the innovation genes in the fertile soil of science and technology innovation and explore a new path to support the high-quality development of regional science and technology enterprises with financial strength is not only the mission and responsibility of implementing the national innovation and development strategy, but also the necessity of ICBC's transformation and development. In recent years, ICBC Shenzhen Branch has continuously strengthened the construction of science and technology finance around the development trend of Shenzhen's industry, and gathered the power of finance to help accelerate the development of the city of science and technology. As of the end of November 2023, the account opening rate of specialized, special and new enterprises exceeded 60%, of which the account opening rate of specialized, special and new small giant enterprises was nearly 80%, and the credit ratio exceeded 40%, and the financing coverage rate of high-tech enterprises has increased for 9 consecutive quarters. Behind the dazzling achievements is the continuous exploration of accelerating iterative upgrading finance to support the development of scientific and technological innovation enterprises, and it is also a true portrayal of helping science and technology finance and bravely undertaking the responsibilities of large banks.
Structural reform takes the lead.
The multi-level scientific and technological service matrix extends its tentacles
In order to achieve efficient services for science and technology enterprises, ICBC has improved its service capabilities and refined management through organizational structure reform, with a professional service team, and through full-time service. In May 2018, ICBC Shenzhen Branch established the first financial service center for science and technology enterprises in the whole group, providing comprehensive financial services covering retail business, capital settlement, investment and financing services and strategic resource introduction for science and technology enterprises through exclusive processes and professional teams. At the same time, combined with the resource endowment of science and technology enterprises in Shenzhen, 6 branch-level new market characteristic sub-branches and 6 branch-level new market characteristic sub-branches have been formed, and together with other key development sub-branches, a "1+6+6+N" service matrix of science and technology innovation finance has been formed, and a "high-tech enterprise service window" has been set up in the science and technology enterprise agglomeration area, which has further extended the service tentacles of science and technology finance to outlets, and further strengthened the business radiation and service intensity of regional science and technology finance.
Digital decoding: As of the end of November 2023, the investment and financing scale of science and technology enterprises of ICBC Shenzhen Branch exceeded 130 billion yuan, an increase of nearly 40% from the beginning of the yearMore than 3,500 science and technology enterprises were served, an increase of about 10% from the beginning of the year.
Innovative credit mechanisms.
Provide on-demand financial services to technology companies
In a conventional sense, the credit technology of commercial banks is based on financial statements or corporate behavior data mining, analyzing the repayment ability of the enterprise operation dimension, and there is still a lack of scientific cognition of the technical value and human resource value at the bottom of the value of science and technology enterprises, and the grasp of soft information lacks precision and accuracy.
In order to solve this mismatch, since the establishment of the science and technology innovation finance franchise institution, ICBC Shenzhen Branch has focused on external factors such as the changes in the characteristics of regional science and technology enterprises, the development trend of the industry, and the implementation of the strategic layout of industrial development. Strategic emerging industrial clusters anchor the margins of the industry, and build a characteristic credit review mechanism for science and technology innovation by combining the auxiliary research and judgment of the industry situation with the approval of exclusive credit in advance.
Model perspective: This new credit mechanism combines the operating characteristics of science and technology enterprises to launch a new evaluation system, weakens the requirements for financial indicators such as revenue and profit and pledged assets, and focuses on the talent introduction, R&D team, investor recognition, scientific research growth and other dimensions of science and technology enterprises, which can truly reflect the scientific and technological innovation ability and future development prospects of enterprises.
Financial products are innovating.
Accompany high-quality technology enterprises to grow together
The development law of science and technology enterprises has typical cyclical differences. The business model of science and technology enterprises in the start-up stage is in a embryonic state, the demand for equity financing is higher than that of debt financing, the enterprise value is supported by technology assets, and most of them have no stable operating income, and the demand for capital for technology research and development is large in scale and long in cycle. The products of science and technology enterprises in the growth period have taken shape, and the main capital needs are used to expand the scale of production and market development, and the enterprises are in the critical stage of shaping new formats and new models, and their competitive advantages are gradually forming. Mature science and technology enterprises have the characteristics of strong financial standardization, large number of assets that can be pledged against the pledge, wide channels of equity and debt financing, and gradual reduction of market risks, and need to introduce external development resources and internal labor, capital and other production factors to reorganize, so as to generate service needs in corporate governance optimization, development strategic planning, and merger and acquisition financing.
In response to the different business needs of science and technology enterprises in different life cycles, ICBC Shenzhen Branch gives full play to the business advantages of all products, all scenarios and all channels to form an ecological service plan covering the whole life cycle of science and technology enterprises. For start-up enterprises, fully considering the asset-light characteristics of science and technology enterprises, focusing on the two characteristic advantages of equity and intellectual property rights of science and technology enterprises, and focusing on the future income, equity financing, subsidy funds and other characteristic repayments of enterprises, we have successively launched special products such as intellectual property rights, smart loans, R&D loans, investment joint loans, science and technology innovation loans, and specialized and special new loans for different customer groups, different needs, and different fixed loan logics. At the same time, it will reduce the financing cost of science and technology enterprises through resource support such as science and technology re-lending, help the growth of national high-tech enterprises through the special "Spring Sprout Action", improve the service quality and efficiency of specialized and special new enterprises through active credit, and support science and technology enterprises to become better, bigger and stronger through diversified services.
Case Focus: In August 2023, a specialized and new "little giant" enterprise completed the listing and issuance of the Science and Technology Innovation Board, and ICBC Shenzhen Branch carried out pre-service intervention in the growth stage of the enterprise, and formulated a comprehensive financial service plan covering flow loans, bank bills, settlement, foreign exchange, etc. according to the needs of the enterprise and the characteristics of the new energy industry, providing strong financial support for the enterprise to expand its business scale.
Three-dimensional service paths.
Relying on resource advantages, we provide a "one-stop" solution
In view of the diversified financial needs of science and technology enterprises, in addition to building the above-mentioned financial product groups of science and technology enterprises, ICBC Shenzhen Branch also relies on the advantages of ICBC Group's platform resources to build a financial service cooperation ecology for science and technology enterprises, including first-class departments, capital markets, investment institutions and industrial resources. In the early stage, the Torch Center and the Industrial and Commercial Bank of China jointly launched the "Ten Hundred Million" special action for science and technology financial innovation services, aiming to form a number of replicable and promotable science and technology financial innovation product and service models. In March 2023, on the basis of long-term strategic cooperation, the Bank and the Shenzhen Municipal Science and Technology Innovation Commission jointly organized the unveiling ceremony of the "Shenzhen National High-tech Zone Science and Technology Finance Innovation Service Center".
Service Exploration: ICBC Shenzhen Branch actively promotes diversified external empowerment models such as normalized investment and financing roadshows, industry salons, regional policy preferential enterprise lectures, and industry-university-research-investment joint seminars through the "Science and Technology Circle of Friends", providing science and technology enterprises with omni-channel comprehensive services from enterprise development to industrial chain upgrading, from Shenzhen to the Bay Area, and from domestic to international.
Technology helps lay the cornerstone.
Build a digital management platform to improve quality and efficiency
The scale of China's digital economy has long been among the highest in the world. In the context of the accelerated integration of the digital economy and the real economy, the banking industry should accelerate its digital transformation and achieve high-quality development while serving the construction of a modern industrial system.
ICBC continued to promote the construction of "science and technology forcication" and "digital ICBC", and ICBC Shenzhen Branch also followed in the footsteps of the head office and continued to make efforts. ICBC Shenzhen Branch has put into operation a digital technology financial business management platform, giving full play to digital management decision-making from the dimensions of front-end service empowerment, mid-end service monitoring and back-end service management, effectively ensuring the long-term high-quality development of science and technology finance business.
In the list of the fifth batch of national-level specialized, special and new "little giant" enterprises announced a few days ago, a total of 309 enterprises in Shenzhen were selected, ranking first in large and medium-sized cities in the country, with a cumulative total of 742, ranking second in large and medium-sized cities in the country, and also has nearly 8,000 provincial and municipal specialized, special and new small and medium-sized enterprises, and more than 1 innovative small and medium-sized enterprises20,000 units.
Digital Vision: Rooted in Shenzhen, a fertile soil for innovation, ICBC Shenzhen Branch will strengthen its ideological understanding, clarify its work ideas, continuously improve the ability, intensity and level of financial support for scientific and technological innovation, and contribute financial strength to accelerate the realization of high-level scientific and technological self-reliance and self-reliance.
Text: Fei Gongxin Lu Liang).
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