The cumulative loan loan of the specialt in the city of the city exceeds 250 million yuan

The reporter learned from the Municipal Science and Technology Bureau that as of now, the special finance of CET faction in our city has accumulated a total of over 250 million yuan, which effectively promotes the deep integration of science and technology and finance, alleviates the financing pressure of science and technology SMEs, has mobilized science and technology specialists Carry out the enthusiasm of innovation and entrepreneurship.

In 2016, the General Office of the State Council issued the "Several Opinions on the In -depth Implementation of the Special Specialist System of the Science and Technology", requiring "guiding policy banks and commercial banks and other financial institutions to increase credit support within the business scope, and conduct credit assign workers' credit staff. Business and small loan business, improve the guarantee mechanism, and share the risk of entrepreneurship. "In order to implement the spirit of the document and crack the funding problems in the innovation and entrepreneurship creation of science and technology, the city gives full play to the role of fiscal funds and led by the special agent of science and technology commissioners The establishment of and serving the company's three -dimensional and diversified financial demand, with the goal of full cycle, multi -channel, and wide range, to play a "combination of fist" of science and technology finance, and to "summarize, improve the scientific and technological special staff system from the aspect of science and technology finance , Consolidate and persist in four articles to help enterprises innovate and entrepreneurship.

Over the past few years, our city has strived to explore the development model of "technology+finance", continuously promotes the iterative iteration of Kite's loan product innovation, and organically integrates the multi -business segments on the basis of technology finance and investment and loan linkage services. Customized "special financial products, which will be guided by the government to establish 40 million yuan in scale risk compensation fund pools, amplifying the scale of lending 400 million yuan, and comprehensively superimposed the" five credit increase, double reduction "financial policy combination boxing to achieve exemptions, pledged exemption, and pledged. Low interest rate lending provides strong financial support for Katt's innovation and entrepreneurship in northern Fujian.

Launched "Political Bank -Cott Loan". The municipal financial contributing 5 million yuan to establish a risk compensation pool, and cooperated with the Bank of China Nanping Branch, the Agricultural Bank of China Nanping Branch, and the postal savings bank Nanping Branch to launch a special financial product with a total of 50 million yuan. Through the "dual credit" of the government selection of the Kocte service and the establishment of a risk compensation pool, the bank lending loan "dual reduction" (reducing the threshold and the cost), the weighted average interest rate of the three cooperative banks "Cott Loan" is compared with ordinary loans. Fall 106 BP. As of now, a total of 92.4 million yuan has been lended, which has led various commercial banks to extend the lending of 1.016 billion yuan.

Innovate "Politics and Banking -Cott Loan". Based on the "Political Bank -Kot Loan", cooperate with Fujian Agricultural Financing Guarantee Co., Ltd., and the government and guarantee agencies jointly contribute 15 million yuan of risk compensation (guarantee) funds in accordance with 1: 2 to work with Fujian Agricultural Credit Society Nanping. The cooperation launch of the "Cott Loan" special financial products with a total amount of not less than 100 million yuan, realizing the "double expansion and one increase" of capital pools, loans, and credit lines. The guarantee lending, effectively cracking the pledge of new agricultural business entities. This year, "Political and Bank of Politics -Cott Loan" has completed 69 lending loans, totaling 63.93 million yuan.

Explore "Cott E loan". For scientific and technological innovation enterprises served by science and technology special assignments, the exclusive evaluation system of the "technical flow" is used to quantitatively evaluate the scientific and technological innovation capabilities of the enterprise from multiple dimensions such as intellectual property rights, R & D investment, research and development teams, and production, research and research, etc., and use the scoring card mode. Provide enterprises with comprehensive portrait and precise credit financing services, and realize that enterprises transform technology "soft power" into "hard currency" for financing. At present, the Nanping Branch of Industrial Bank has provided quantitative assessment for 169 technology -based enterprises through the "technical flow" evaluation system. 16 credit -free guarantee and mortgage -free loans are put on credit, totaling 94.39 million yuan.

Introduce R & D cost loss insurance. Cooperate with the Nanping Branch of China People's Property and Insurance Co., Ltd. to carry out the pilot work of the green insurance of science and technology special associations, and launched the "Science and Technology Special Commissioner R & D Fees Lost Insurance Insurance" project, which will be led by the Municipal Science and Technology Bureau of 300,000 yuan to 40 science and technology agents. Science and technology R & D projects implemented by enterprises (cooperatives) that are founded or served to insure. If the insurance project fails, the death of core researchers, key equipment failure, and intellectual property disputes will cause the project to be interrupted, it will provide a maximum compensation of 500,000 yuan. The launch of the research and development cost loss insurance project of technology specialists can lift the research and development cost loss due to unpredictable accidents during the development of the science and technology special commissioner project, effectively pass on the risk of project development, and activate the innovation and entrepreneurship of science and technology specialists.

The city's exploration and innovation in the special financial products of science and technology commissioners have been fully recognized by the Ministry of Science and Technology and the Provincial Department of Science and Technology. The "Cott Loan" products have been awarded the top ten financial innovation projects in Fujian Province.

Source: Minbei Daily (Xu Zhiping)

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