Hui Enterprise and Lumin Real Moby 丨 Hebei: Cited Finance "Living Water" Runze Technology Innovation Flower

Great Wall Network · Jiyun client reporter Li Daizheng correspondent Zhu Yinghua Xuehua

A few days ago, Hebei Province has formulated a package of measures and supporting policies for the province's economic operations, that is, the "1+20" policy system, as one of the supporting policies, "Twelve Policies and Measures on Science and Technology Supporting the Stable Economic Development of the province" It is proposed that it will increase the financing channels of enterprises and increase loans to technology companies. In the past few days, the Hebei Provincial Department of Science and Technology has solidly promoted the implementation of the policy, focused on the stable growth of scientific and technological support and the development of service enterprises, and accelerated key tasks such as science and technology and financial support.

Beijing Eye Technology Co., Ltd. (Xiong'an) is one of the beneficiaries of this policy.

Eye technology and technical personnel are undergoing research and development.

"The loan approval is fast and the interest rate is low, which has strongly supported our innovative research and development." Recently, Li Qiang, general manager of Beijing Eye Technology Co., Ltd. (Xiong'an), told reporters that nearly 10 million yuan of loans have been issued to corporate accounts recently Essence

"Our company is a high -tech enterprise introduced to Xiong'an New District from Beijing in 2017. It is mainly engaged in the development of multi -modal biometric technology. This is also the basic technology associated with digital assets in the digital transformation of industrial digitalization. Li Qiang introduced that this loan of nearly 10 million yuan will be used for the implementation of the core technology of artificial intelligence and the implementation of scenario -based products, providing strong support for enterprises to continue to carry out basic technological innovation.

Eye science and technology personnel display products.

Since the beginning of this year, 6 banks including the Hebei Provincial Department of Science and Technology and China Construction Bank Hebei Branch and Bank of Hebei Bank have opened a new round of loan risk compensation and cooperation in a new round of science and technology enterprises. The loan obtained by Eye Technology comes from one of the cooperative banks. With financial live water irrigation real economy, Runze technology innovation flowers, according to statistics, as of the end of June, six cooperative banks have a total of 124.1 billion yuan from Hebei scientific and technological enterprises, a record high.

The Hebei Provincial Department of Science and Technology and the Cooperation Bank signed the "Financial Support Corporate Scientific and Technological Innovation and Achievement Transformation Strategic Cooperation Agreement". Photo by Great Wall Network · Jiyun Client reporter Li Daizheng

"Our bank has established a mechanism for science and technology cooperation and risk compensation cooperation mechanisms with the Department of Science and Technology of Hebei Province. On the one hand, the political and silver cooperation platform promotes high -quality technology enterprises with financing needs to our bank, which has improved the accuracy of our service technology -based enterprises; On the other hand, it provides risk compensation for loans to our bank to provide risk compensation to avoid the worries of our bank. "Zhang Bin, deputy general manager of the inclusive financial business department of China Postal Savings Bank Co., Ltd. The bank has increased significantly for the amount of loans of technology companies. In the first half of this year, Hebei Postal Savings Bank issued a total of 2586 loans to science and technology enterprises, totaling 6.2 billion yuan. The balance of science and technology enterprise loans was 9.575 billion yuan, and loans to technology -based enterprises increased by 45%year -on -year. %.

"Under the guidance of the risk compensation policy of science and technology enterprises, cooperative banks have paid more and more attention to loans from science and technology small and medium -sized enterprises." Dong Yuhui, director of the Resource Allocation Management Office of the Hebei Provincial Department of Science and Technology, told reporters that in the first half of the year, six cooperative banks issued it The loan of less than 10 million yuan within the scope of compensation was 32.3 billion yuan, which was 294 times that of the 110 million yuan risk margin.

The postal savings bank staff entered the company to understand the needs of financial. Great Wall Network · Jiyun Client reporter Shi Yutong Photo

In addition, in order to solve the difficulty of technology companies caused by the bank's "unable to understand, unsatisfactory, and unpredictable", the Hebei Provincial Department of Science and Technology has established a science and technology enterprise database and key enterprise recommendation list. Technology -based small and medium -sized enterprises, major scientific and technological achievements transformation main enterprises, and provincial -level R & D platform enterprises and other high -quality enterprise information. In the first half of the year, 19,513 company loan companies were obtained, accounting for 21%of the province's total scientific and technological enterprises.

Under the guidance of the macro background and compensation policies, technology companies have become an important target customer for bank loans. Due to strong technological innovation capabilities and high corporate maturity, high -tech enterprises are increasingly favored by banks. According to statistics, of the current loans of less than 10 million yuan issued by the six cooperative banks, 5,450 households with high -tech enterprises have a total of 16.2 billion yuan, and the average loan amount per household is 2.96 million yuan, which is nearly three times that of other technology companies. The science and technology SME loans were 11,462, with a total of 15.9 billion yuan, accounting for 67%of the total number of loans of science and technology enterprises.

In response to technology companies focusing on light assets and lack of assets that can be used for mortgage, the Hebei Provincial Department of Science and Technology has revised the implementation rules for the implementation of loan risk compensation for science and technology enterprises to increase the proportion of cooperative bank rewards to 5 ‰, and the scope of compensation for loan amount increases to 10 million Yuan, the proportion of compensation for credit loan risk to 80%, effectively guided and ensured that cooperative banks expanded credit loans and continue to increase their first loan households. Data show that at present, the credit loans issued by six cooperative banks account for 75%of the total loans of the loan, which has become the main way for technology enterprise loans. At the same time, various cooperative banks have implemented a preferential interest rate on science and technology companies, launched a series of pure credit, online, and independent technology enterprise loans that will be gradually promoted in the province.

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