In the critical period of development, the financing guarantee company solved the problem of insufficient financing collateral for us and helped the company to obtain succession$7,000,000 unsecured loan, so that the company to achieve stable operation, sustainable development, especially to our product innovation has provided great help. As one of the beneficiary enterprises of policy-based financing guarantees, Ren Jianbing, founder and general manager of Chongqing Liyun Nozzle, was deeply impressed by the help of financing guarantees.
Liyun nozzle. Data map.
Liyun Nozzle is located in the Western (Chongqing) Science City, is a high-tech enterprise with 20 utility model patents and 5 invention patentsChongqing Intellectual Property Pilot Unit, a variety of products developed and produced by ourselvesInternationally competitive
The "help" mentioned by Ren Jianbing is a variety of financial products given by Chongqing Science City Financing Guarantee, hereinafter referred to as Science City Guarantee) and banks.
Science City Guarantee. Photo by Lei Jian.
With the implementation of the country's Healthy China strategy, Liyun Nozzle urgently needs to expand new technologies to develop new products, and build Liweikang Intelligent Equipment Factory, in 2022, the company urgently needs a fund to invest in R&D and material procurement3 million yuanloans.
That loan really 'moved' our liquidity and eased the tight liquidity situation of the enterprise. Ren Jianbing recalled. Soon, Liyun Nozzle paid off the loan as promised.
Liyun nozzle. Photo courtesy of the interviewee.
Since the implementation of the "Enterprise Innovation Points System", Science City Guarantee has launched the financial product "Innovation Points Loan" in a timely manner。That is, through the enterprise innovation points, we can accurately identify and effectively discover science and technology enterprises with strong innovation ability and great growth potential, take the initiative to increase credit for them, and guide various innovation element resources such as technology, capital, and talents to gather in enterprises, so as to help science and technology enterprises grow rapidly and inThe first loan was successfully disbursed in 2022
Science City Guarantee. Photo by Lei Jian.
In 2023, after learning that the company still has financing needs, Science City Guarantee adopts the product approval model of "innovative credit loan", and conducts comprehensive evaluation and accurate matching according to the company's R&D investment, innovation effectiveness and other indicators4 millionof credit facilities. While efficiently solving the problem of "light assets and difficult financing" of enterprises, it also uses science and technology finance more efficiently to serve enterprises. In the year, Science City Guarantee Company provided financing guarantee services for the enterprise for two consecutive yearsThe total guarantee amount is 7 million yuanAt present, the insured amount is 4 million yuan, which provides strong support for the rapid growth of customers accurately and efficiently.
Over the past three years, as a leading financing guarantee institution, Science City Guarantee has vigorously supported the development of small and micro enterprises, science and technology and strategic emerging industries. As of the end of December 2023, a total of 3,432 enterprises have been servedThe cumulative guarantee amount exceeded 3.6 billion yuanIt provides high-quality, convenient and low-rate financing guarantee services for science and technology enterprises.
Science City Guarantee. Photo by Lei Jian.
In order to support technology enterprises more comprehensively,Chongqing High-tech Zone has established a risk sharing mechanism for first-class banks, banks and guarantee institutionsto fully release the financial leverage of the best guarantee. Science City Financing Guarantee Company, as a first-class financing guarantee agency, has actively launched"Intellectual Property Pledge Guarantee Loan", "Innovation Credit Loan" and "Specialized and Special New Cultivation Loan".and other 8 unique financial products. A range of products not only have short approval times, but also significantly lower financing costs.
Nowadays, under the guarantee of the risk sharing mechanism of the high-tech zone, the financing guarantee company of Science City has effectively adapted to Science CityScience and technology enterprises are asset-lightIt solves the problem of "difficulty in obtaining loans due to lack of collateral" for this part of the enterprise. According to statistics, in the amount of new loans in 2023,Small and micro enterprises accounted for 9895%, and 97% of science and technology enterprises49%It provides effective support for the development of scientific and technological enterprises and the transformation of scientific and technological achievements.
Next, the company, as a first-class guarantee institution jointly built by the municipal and district financial departments, will always adhere to the development mission of being based on high-tech, empowering science and technology, focusing on inclusiveness, and leading the future, adhere to the principle of seeking progress while maintaining stability, and promoting stability with progress, so as to build a new development pattern and vigorously promote the high-quality development of small and micro enterprises, science and technology, and strategic emerging industries. The relevant person in charge of the guarantee of Science City said.
end