Cooperation mode between commercial banks and professional research institutions.

To alleviate the financing difficulties of small and medium-sized enterprises, we can adopt the mode of cooperation between commercial banks and professional guarantee institutions, which is more effective, especially for high-growth high-tech small and medium-sized enterprises.

In order to attract all kinds of financial institutions, commercial banks and professional institutions to cooperate, especially to provide high-quality and efficient services for small and medium-sized enterprises.

Banks can actively seek cooperation with high-tech enterprise support service institutions. On the one hand, such institutions can help screen qualified high-tech enterprises and reduce information asymmetry. On the other hand, they can also cooperate to form a one-stop service for high-tech small and medium-sized enterprises to facilitate enterprise financing.

On the one hand, banks actively study the services of enterprise technical support points, on the other hand, they cooperate with these organizations to help enterprises choose advanced technologies to meet the conditions of information asymmetry, on the other hand, they cooperate with small enterprises and small and medium-sized enterprises to provide comprehensive service financing for enterprises.

Take Zheshang Bank as an example. When a bank lends money to a high-growth enterprise in Zhejiang East Software Park, the guarantee company under the East Software Park Management Committee is responsible for providing guarantee. Guarantee companies mortgage real estate to banks to obtain financing and provide guarantees for enterprises that need loans. The loan enterprise obtains the guarantee by releasing part of the equity to the guarantee company. In addition to the normal loan income, the bank also obtains some income from the guarantee company in the form of consulting fees after the guarantee company realizes its equity.

Commercial banks in Zhejiang, for example, Changxing Bank in Zhejiang Province, initially provided loan guarantees for enterprises and provided loan guarantees for enterprises.

The East Software Park Management Committee set up an expert committee to screen high-growth enterprises.

Hold an expert committee meeting in the eastern region, and ask the Secretary-General to preside over the meeting in Changxing Province.

Through this operation, the East Software Park can use the bank's funds to share the high income of high-growth enterprises, and enterprises can also obtain development funds.

Gr？ In this case, it is possible to change the high income level in the growth period by using bank funds in the eastern region, and enterprises can obtain development funds.