First, Zhongguancun solved the loan problem in this way. In solving the loan problem, Zhongguancun regards the construction of enterprise credit system as the basis of science and technology and finance, and takes the alleviation of financing difficulties of small and medium-sized science and technology enterprises as the starting point, establishes a credit incentive mechanism, and implements different loan discount policies according to the credit star rating of enterprises. Since 20 14, Zhongguancun Management Committee has issued a number of loan policies for small and medium-sized scientific and technological enterprises based on corporate credit, such as innovative financing with bank credit, micro-loans and green channels for secured loans. The guarantee institutions that cooperate with Zhongguancun provide guarantees for small and medium-sized science and technology enterprises, and the cooperative banks lend on demand. During the implementation of these programs, enterprises will be given certain interest subsidies according to the benchmark interest rate of the People's Bank of China. The higher the credit star rating of an enterprise, the greater the loan discount ratio. At the same time, on this basis, we can ensure the smooth loan of small and medium-sized science and technology enterprises according to their own needs from three aspects. (I) Bank Credit Financing for Innovative and Technological SMEs Zhongguancun Management Committee promotes banks, insurance institutions and other institutions to provide credit loans, intellectual property pledge loans, equity pledge loans, credit insurance and trade financing for eligible enterprises. The target enterprise is a Zhongguancun high-tech enterprise with a loan term of more than 6 months (excluding), and is a member of Zhongguancun Enterprise Credit Promotion Association. On the basis of the annual interest rate of 6%, the loan will be subsidized according to the discount rate of Zhongguancun Enterprise Credit Star. (II) Microfinance Zhongguancun promulgated the Management Measures for Small and Medium-sized Enterprises' Microfinance Support Funds and the Pilot Measures for Microfinance Guarantee Insurance, adopting the operation mode of "government guidance, policy support, market operation and risk * * * *", taking the enterprise's own credit as the insurance target, and promoting the cooperation between insurance companies and Zhongguancun Management Committee to provide insurance for the repayment ability of enterprises. The microfinance institutions cooperated by Zhongguancun Management Committee adopt small loans with an annual interest rate of 6% as the base for eligible small and medium-sized enterprises in Zhongguancun. A single loan does not exceed 5 million yuan, and the total annual loan principal of a single enterprise does not exceed 6.5438+million yuan. Among them, the annual discount support for the small loan business of a single enterprise does not exceed 300,000 yuan, and the discount for the same small loan does not exceed 1 year. Zhongguancun Management Committee gives discount loans to Zhongguancun enterprises according to the star discount ratio. (3) Green channels for overseas students to start businesses and guarantee loans, etc. Zhongguancun has set up a technology guarantee service platform, opened a green channel for secured loans focusing on overseas students' entrepreneurial enterprises, software outsourcing enterprises and integrated circuit design enterprises, and supported technology enterprises to obtain loans from commercial banks and provide financing guarantees. Zhongguancun Management Committee gives 50% loan discount to enterprises that have secured loans, and subsidizes enterprise guarantee fees according to the guarantee rate of 1%. The Measures for the Administration of Support Funds for Enterprise Guaranteed Financing in Zhongguancun National Independent Innovation Demonstration Zone also stipulates that enterprises should be supported to issue collective bonds and collective trust plans, and the financing channels of enterprises should be broadened. Enterprises that issue Zhongguancun high-tech enterprise trust plans and corporate bonds should be given an interest subsidy of 20% of the comprehensive costs such as social financing interest, trust or bond management fees and guarantee fees.