"Use more financial resources to promote scientific and technological innovation, advanced manufacturing, green development and micro, small and medium-sized enterprises", "vigorously support the implementation of innovation-driven development strategies", and "do a good job in science and technology financial ......Five major articles "** At the financial work conference, science and technology finance was repeatedly emphasized, and financial assistance to scientific and technological innovation has increasingly become an important mission of financial institutions.
Zheng Zhongyue, Secretary of the Party Committee and Chairman of Haiyan Rural Commercial Bank.
Haiyan Rural Commercial Bank, as the financial institution serving the most small and micro enterprises in Haiyan County, under the active guidance of the Zhejiang Supervision Bureau of the State Financial Supervision and Administration and the Jiaxing Supervision Branch of the State Financial Supervision and Administration Bureau, launched the first science and technology financial products in 2010, and further cooperated with the County Science and Technology Bureau to develop science and technology finance in 2013. There are 107 provincial-level specialized, special and new small and medium-sized enterprises, of which 1 "little giant" enterprise and 50 provincial-level specialized, special and new small and medium-sized enterprises have received credit support from the bank, and the service coverage rate of "specialized, special and new" enterprises above the provincial level is 4522%, and the credit balance of "specialized, special and new" enterprises is 93.3 billion yuan. This is the latest report card of Haiyan Rural Commercial Bank's support for science and technology enterprises, and it is also the "march" of the bank to draw a new blueprint for science and technology innovation finance and serve the high-quality development of the county.
Since the signing of the science and technology finance business cooperation agreement with the County Science and Technology Bureau in 2013, Haiyan Rural Commercial Bank has continued to promote the construction of the cultivation and incubation system of science and technology enterprises for ten years, and has successively launched special science and technology finance products such as "special loans for high-tech enterprises", "special loans for scientific and technological personnel to start businesses", "special loans for scientific and technological innovation enterprises for scientific and technological innovation", "special loans for the construction of enterprise scientific research institutions", "special loans for supporting funds for enterprise scientific and technological innovation projects (plans)" and "patent pledge loans". It comprehensively meets the financing needs of various types of science and technology enterprises at all levels from research to sales, from individuals to enterprises, and from mobile to fixed, and solves the financing difficulties of science and technology enterprises at all stages from start-up to butterfly change, and by the end of 2023, there are 47 of the 983 science and technology enterprises in the county61% received credit support from the bank, with a loan balance of 518.3 billion yuan, through the review of the bank and the county science and technology bureau, there are 75 enterprises that have obtained special credit credit for science and technology finance, and the special credit amount is 16.8 billion yuan, of which 68 special loans for science and technology finance have been issued, with a loan balance of 11.2 billion yuan.
The soul of science and technology enterprises is innovation. Haiyan Rural Commercial Bank makes good use of tools such as intellectual property mortgage financing and non-repayment renewal of loans to fully meet the needs of small and medium-sized enterprises for continuous scientific research capital investment and help more enterprises to take the road of scientific and technological innovation.
Continue to iterate on intellectual property mortgage financing. Focusing on the pain points of large financing needs, lack of collateral and high financing costs of science and technology enterprises, the county economic and information bureau, the county market supervision bureau, the county science and technology bureau and other departments have successively launched exclusive credit products such as patent right pledge loans, trademark right pledge loans, intellectual property pledge loans, and "intellectual property loans", which can provide enterprises with credit support lines of up to 10 million yuan through intellectual property rights mortgage and other methods, so that science and technology enterprises no longer "wait for loans". By the end of 2023, Haiyan Rural Commercial Bank will issue a total of 72 "intellectual property loans", with a loan balance of 24.1 billion yuan, a total of 68 loans of various types of intellectual property mortgage financing have been issued2.7 billion yuan to help enterprises revitalize intangible assets and accelerate the pace of achievement transformation and transformation and upgrading.
The province's first exclusive credit product. It has carried out government-bank cooperation with the County Economic and Information Bureau, the County Financial Office, and the County People's Bank of China, and has taken the lead in the province's banking industry to launch the "Little Giant Loan" and "Craftsman Loan", which can provide a pure credit line of up to 30 million yuan for the "specialized, special and new" enterprises in the county (including enterprises in various lists of "specialized, special and new" enterprises or enterprises intended to cultivate and recommend, the same below), and by the end of 2023, 6 "Little Giant Loans" have been issued with a balance of 31.3 million yuan.
Continue to promote the renewal of loans without principal repayment. By the end of 2023, the bank will support 1,812 small and micro enterprise customers with a loan balance of 839 billion yuan, which is equivalent to saving 6 million yuan in relending costs for small and micro enterprises.
Fully grasp the characteristics of "many, frequent and urgent" capital demand of science and technology enterprises in key periods such as capacity expansion, market occupation and technological transformation, continue to optimize the service model, explore the establishment of service standards, and create a "three-three-four" system of science and technology financial services.
Digital intelligence empowerment, innovative use of the "three-member service" mechanism. On the basis of government-bank cooperation and the "three-member" service mechanism, standard systems such as the "Haiyan Rural Commercial Bank's Science and Technology Innovation Finance Standardization Service System" and "Digital Intelligence Empowerment" Standardized Visit Mechanism have been introduced, and a "standard-based, experience-first, and data-driven" science and technology innovation financial standardization service system has been initially created, and the use of data such as enterprises' scientific research investment, tax records, and environmental protection indicators has been strengthened, so as to provide standard compliance and data support for long-term credit support for science and technology enterprises.
Diversified cooperation to create an "iron triangle" of science and technology innovation finance. In September 2023, Haiyan Rural Commercial Bank and Zhejiang Provincial Finance Guarantee *** County Finance Bureau signed the "Haiyan "Government Insurance Co-Loan" Science and Technology Risk Pool Cooperation Agreement", through the government and bank to jointly build a science and technology financial risk pool and jointly release the "Science and Technology Loan" product, the special guarantee financing service launched to Haiyan County science and technology enterprises can be magnified by 40 times, and the service coverage of science and technology enterprises can be effectively expanded.
Explore pilots and innovate the "four specializations" service model. In Haiyan County Economic Development Zone, we will pilot the "four specializations" model of financial services for "specialized, special and new" enterprises, and further give full play to the advantages of rural commercial banks in a systematic and all-round service through government-bank linkage and coordinated visits, so as to realize the special research, special class promotion, special flow and special personnel overall planning of the cultivation and incubation of "specialized, special and new" enterprises.
In the practice of the general secretary's "three demonstrations", Haiyan Rural Commercial Bank will further implement the important instructions and speech spirit of the general secretary on the integrated development and innovation system construction of the Yangtze River Delta, conscientiously implement the decision-making and deployment of the financial reform of science and technology, and solidly promote the relevant work requirements of the Zhejiang Supervision Bureau of the State Financial Supervision and Administration Bureau. Contribute to the construction of scientific and technological innovation and modern industrial system at the county level.
*: Tech Financial Times.