The "financial supermarket" of the industrial park is opened to open the channel of banking and enterprises

Jimu Journalist Liu Yan

Correspondent Lian Hong Xie Yue

Video editing Liu Yan

Intern Zhang Yubai Wei Jiayi

In the hot summer, the Office of the Industrial Finance Center of the Wuhan University Science and Technology Park is always endless. Since the beginning of this year, the person in charge of the park and the staff of the Construction Bank sitting and negotiating and docking have become the norm. Jimu Journalists learned that the opening of "financial supermarkets" and unblocked banking and enterprises are becoming an important way for industrial parks to help enterprises relieve difficulties.

Under the deployment and guidance of the Wuhan Branch of the People's Bank of China, since this year, the Hubei Branch of the Construction Bank will support the stable growth of economic growth and financial help enterprises as an important task, and it has effectively promoted the stability of the economic stability of Hubei Province in the first half of the year.

Cracking the information asymmetry of banking enterprise information

"Help enterprise rescue and stabilize the economic market, the power of finance is becoming more and more important." Among the scientific and technological enterprises in serving the park, Long Zengtao, deputy director of the Industrial Finance Center of Wuhan University Science and Technology Park.

Wuhan University Science and Technology Park is a high -tech industrial park jointly built by Wuhan University and Donghu High -tech Zone. It was established in 2000. It carried out a series of incubation and cultivation work around entrepreneurship and industry, including intermediary, policy preaching, project declaration, law, intellectual property, fiscal and taxation , Professional technology and other services. The park has successively cultivated listed companies such as Huacan Optoelectronics, Guochu High -tech, and a number of transformation enterprises such as Wuso, Excellence Technology, and Luojia Deyi. At present, there are more than 1,000 enterprises in the park, providing about 25,000 jobs.

"In the past, enterprises had funding demand, and they were scattered to dock with financial institutions. The park did not participate directly, and the services were not deep enough." Zhang Yanfeng, director of the Wuhan University Science and Technology Park Office, introduced that since last year, the park has established an industrial financial center to set up a special financial service class. Under the launch of the business management department of the Wuhan Branch and Wuhan Municipal Finance Bureau of the People's Bank of China, an offline loan service station was established. Under the guidance of the Wuhan Science and Technology Bureau, a science and technology financial service station was established. Financial services are gradually professional.

Customs Manager of the Financial Service Center of CCB Wuhan Optics Valley Free Trade Zone Science and Technology Innovation Enterprise Financial Service Center docking enterprises

Long Zengtao has worked in a bank for 12 years and is very familiar with financial institutions and products. After the establishment of the industrial financial center of the park, he came here to work. In his opinion, the financial services of technology companies have always been difficult. As a company, it is impossible to be familiar with all financial institutions. In the past, it may have been busy for a month. Therefore, the establishment of a special class in the park, on the one hand, sort out different financial needs of the enterprise. On the one hand, we can sort out the products of financial institutions and summarize it into a "financial supermarket" to help enterprises design financial solutions. Targeted and effective for docking.

Take Wuhan Zhitu Technology Co., Ltd. as an example. The company is a national high -tech enterprise focusing on the field of geographic space information technology services. Since the beginning of this year, the company's downstream customer repayment cycle has been lengthened, the company's account receivable has not been in place, and the fund turnover has problems. In July, under the referral of the park, China Construction Bank Optics Valley Free Trade Zone took the initiative to connect with Zhitu Technology. It was learned that the company was in a critical period of rapid development. R & D investment needs to continue to increase. Applying for financing from financial institutions, combined with the characteristics of the company's technical backbone for 3551 Optics Valley Talent Planning Persons, recommended it to innovative credit products Harbor Easy Loan-Talent's fixed loan model. Solved its capital demand.

Offline first loan service station

China Construction Bank Hubei Branch has established close cooperative relations since its establishment of Wuhan University Science and Technology Park, which has strongly supported the development of enterprises in the park. Especially since this year, the CCB Optics Valley Branch of the Science and Technology Financial Service Center has set up a park service class to continue to visit the park, and the service has been successful.

Wuhan University Technology Park

Meet the financing needs of different market entities

Wuhan Gaomong Biological Park is a industrial park with the theme of biological agriculture in Wuhan Guanggu area in Hubei. It has more than 200 well -known domestic and foreign companies and scientific research institutions in the park. In early 2022, affected by the epidemic, many small and micro enterprises in the park urgently needed funds for research and development and production. It is also through the referral of the park. The staff of the CCB Wuhan Zhuo Spring Sub -branch actively came to docking and moved quickly. Financial products such as "good loans", "talent loan", and "cloud tax loan" met the financial needs of enterprises in the park. , Cumulative loans to 19 high -tech enterprises in the park were 120 million yuan.

The development of science and technology enterprises is the key to the transformation and upgrading of Hubei. CCB Hubei Branch Innovation "Science and Technology Credit Loan", "Science and Technology Transformation Loan" and "Science and Technology Entrepreneurship Loan", including "Science and Technology Credit Loan", and other 10 exclusive products, meet the financial services needs of science and technology innovation enterprises at different development stages. In the first half of the year, the balance of loans of high -tech enterprises in Hubei Branch of CCB Hubei Province was 39.693 billion yuan, an increase of 6.161 billion yuan from the beginning of the year; the balance of strategic new industrial loans was 35.289 billion yuan, an increase of 7.049 billion yuan from the beginning of the year. Small and micro enterprises are an important part of the economy of Hubei Province. It is an important source of economic development, the main channels for employment, and an important source of innovation. On July 6, the CCB Hubei Branch held the "Hui City · Hui Enterprise" inclusive personal business credit series product launch conference, focusing on the financing needs of individual industrial and commercial households, small and micro enterprise owners, etc. Loan (personal business version) "brand, simultaneously launch" merchant cloud loan "," merchant lending "," first household fast loan "," good business loan "," good loan loan " "Six top 6 main credit products.

In the vast rural areas of Hubei, for new types of agricultural business entities and farmers, CCB Hubei Branch has created a "5+N+3" rural revitalization service model, and the "village" and "Hubei Digital Agricultural Economic Network" and other agricultural -related system platforms are established. Promoting the establishment of a standardized farmer's credit evaluation system has created credit files for 2175 villages and nearly 100,000 farmers. Innovate more than 10 farmers such as "Yu Nong Fast Loan-Sui Xin Loan", support agricultural products, support 31 characteristic agricultural industries, and cover all counties in the province.

Since the beginning of this year, CCB Hubei Branch has fully implemented a policy measure of the central government's stability of the economy. At the same time as 11 billion yuan, new financial operations in the fields of scientific and technological innovation, inclusive finance, and people's livelihood consumption continued to deepen the areas. Various loans increased by 49.2 billion at the end of June. The new loan has achieved "five billion yuan", which has effectively promoted the stability of the economic stability of Hubei Province in the first half of the year.

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