The policy defines the institutional framework of technology and finance from different levels. Specific policy measures include the pledge of innovative technology enterprises, encouraging pilot projects of investment and loan linkage, and improving risk prevention and risk sharing mechanisms. The purpose is to comprehensively broaden the scope of science and technology.
Financing channels of scientific and technological enterprises.
At the central level, the "National Technology Transfer System Construction Plan" issued by the State Council on 26th pointed out that national and local scientific and technological achievements transformation guidance funds should set up venture capital sub-funds and loan risk compensation.
Type, guide social capital to increase investment and financing support for early technology transfer projects and small and medium-sized enterprises. Carry out pilot financing of intellectual property securitization and encourage commercial banks to carry out intellectual property pledge loans. According to National Affairs.
The unified deployment of the hospital encourages banking financial institutions to actively and steadily carry out internal investment and loan linkage pilots and external investment and loan linkages.
In addition, on June 5, 2004, the General Office of the State Council issued the Notice on Reform Measures to Promote and Support Innovation. The notice pointed out that the promotion of "accounts receivable obtained by affiliated enterprises from core leading enterprises in the industrial chain"
Pledge financing service ","one-stop investment and financing information service for small and medium-sized enterprises ","patent pledge financing service bundled with loans, insurance and financial risk compensation "are three reform measures to further innovate government guidance and people's participation.
Intermittent participation and market-oriented operation support the service mode of enterprise financing, expand the financing channels of scientific and technological enterprises, improve the flexibility and convenience of financial support for innovation, and give play to the boosting role of financial instruments.
At the local level, the Shanghai Banking Regulatory Bureau and the Shanghai Municipal Science and Technology Commission jointly issued the "Action Plan for Shanghai Banking Industry to Support the Construction of Shanghai Science and Technology Innovation Center" on the 26th, which defined the technology and finance framework with Shanghai characteristics. According to the party
As a case study, the planning goal of Shanghai banking science and technology credit is: by the end of 2020, the loan balance of Shanghai science and technology enterprises will reach about 270 billion yuan, an increase of 80% compared with the end of 20 16; The number of technology-based loan enterprises has reached
To around 8000; The balance of investment-loan linkage loans reached about 20 billion yuan, and the cumulative number of customers served exceeded 1 10,000.
Recently, the Business Management Department of the People's Bank of China, Beijing Banking Regulatory Bureau and Zhongguancun Management Committee jointly issued the Opinions on Further Promoting the Innovation and Development of technology and finance Franchises in Zhongguancun National Independent Innovation Demonstration Zone. This opinion is clear. Further strengthen the organizational system construction of technology and finance franchisees, explore the management coordination department at the branch level, and strengthen the branch level.
On September 8th, technology and finance Service Center was established, which is a comprehensive service organization integrating government services, financial resources and intermediaries.
Technology enterprises, especially small and micro technology enterprises, usually lack collateral such as real estate, so financial institutions are often cautious when granting credit to such enterprises, which greatly restricts their financing convenience. The reporter combed the New Deal and found that encouraging financial institutions to explore the innovation of collateral has become one of the key points of policy efforts, including the development of intellectual property pledge loans and accounts receivable pledge financing.
Zhu Zhenxin, chief macro researcher of Minsheng Financial Think Tank, said in an interview with the Economic Information Daily that some banks have begun to explore "the response that affiliated enterprises get from the core leading enterprises in the industrial chain"
With the rise of the "internet plus" model, with the help of innovative technologies such as Internet, big data credit reporting and inclusive finance, it provides trading platforms and financing solutions for core enterprises and their upstream and downstream enterprises.
Scheme has also become the choice of many banks.
While innovating collateral, the policy also pays attention to establishing a sound risk prevention and risk sharing mechanism to improve the commercial sustainability of financial support for scientific and technological innovation, including promoting patent pledge financing tied to loans, insurance and financial risk compensation. Zhu Zhenxin said that the promotion of innovation in technology and finance must be supported by strict supporting policies and measures, and supervision should be strengthened to prevent risks.
Qu, an associate researcher at the Institute of Industrial Economics of China Academy of Social Sciences, told reporters that the background of patent mortgage is a light asset industry represented by Internet companies, and there are not many fixed assets, so they get loans from banks.
This is often difficult. For financial institutions, the reduction of the default risk of patent mortgage bundled with insurance and financial risk compensation will stimulate them to issue funds to small and medium-sized enterprises with light assets.
The reporter also learned that in recent years, under the guidance of China National Intellectual Property Administration, Qingdao, Guangdong, Fujian, Gansu and other places have actively explored the patent pledge suitable for the characteristics of local small and medium-sized enterprises.
Financing path. Qingdao has established an "insurance guarantee system" to provide guarantee insurance for patent pledge loans, and insurance institutions, guarantee institutions and banks share financing risks according to the ratio of 6: 2: 2. It is a technology enterprise.
Send charcoal in the snow.
It is worth noting that the investment-loan linkage model is of great significance for banks to support small and micro enterprises in science and technology, and it has also become an important direction of policy encouragement.
It is understood that through investment and loan linkage, commercial banks can not only provide effective financing support for small and medium-sized science and technology enterprises in seed stage and start-up stage, but also make up the trust with equity income.
Risk loss of loan funds. According to the existing policy, in order to carry out investment and loan linkage, pilot banking financial institutions can choose to set up investment function subsidiaries or technology and financial franchises. At present, the first batch of pilot banks are all subject to supervision.
The management department reported the pilot scheme of investment and loan linkage and applied for the establishment of an investment function subsidiary. Jiang De, president of Shanghai Pudong Development Bank and president of Silicon Valley Bank in Asia, said in an interview with the Economic Information Daily that through investment
The benefits brought by companies holding warrants are not for profit, but to make up for risks. "Our goal is to help start-ups increase the probability of success as much as possible, rather than simply making profits."
Everything that is conducive to social development should be supported.