Technology and finance is the product of the combination of technology and finance, which provides a strong support for innovation-driven practical development and related theories. The Work Plan aims to improve technology and finance's service system, innovate technology and finance's products and tools, guide more financial capital to invest in scientific and technological innovation, promote the integrated development of science and technology, industry and finance, and continuously improve technology and finance's service environment.
First, the background of the work plan
Implementing the innovation-driven development strategy and speeding up the construction of an innovative province and a strong science and technology province are important contents of Hebei Province's Tenth Five-Year Plan. "Innovation-driven, strong province through science and technology" is a clear goal. The combination of science and technology and finance is not only an important content of implementing the innovation-driven development strategy, but also a brand-new proposition of building an innovative province and a strong province through science and technology.
In recent years, with the strong support of the government and the emphasis on innovation, technology and finance has developed rapidly. As an important part of financial system innovation, it has irreplaceable significance in leading the high-quality economic development of our province and building an innovative province. Our province actively improves the financing environment of technology enterprises, deepens the integration of technology and finance, strengthens the docking between finance and enterprises, and further promotes the high-quality development of technology enterprises. The financing environment of science and technology enterprises in the province has improved significantly, and the loan amount of small and medium-sized enterprises has increased significantly.
Although the financing environment of small and medium-sized science and technology enterprises has improved compared with the past, there is still the problem of financing difficulty. First of all, science and technology enterprises, especially start-up enterprises, generally have small assets, imperfect operating systems and large fluctuations in profitability, facing the technical risk of product research and development failure and the market risk of low acceptance of new products; At the same time, due to the lack of hard assets such as land, factory buildings and equipment as collateral, the traditional credit model of banks is difficult to meet the credit demand of technology enterprises. Secondly, due to the small financing amount of small and medium-sized technology enterprises, especially the loan interest rate pricing can not completely cover the risk loss, resulting in insufficient motivation for banks to serve small and medium-sized technology enterprises. Third, due to the low degree of bank differentiation and the limited number of small and medium-sized banking institutions specializing in serving small enterprises, the supply of financing services for small science and technology enterprises is insufficient. Fourth, there is a lack of financial products for small and medium-sized technology enterprises, and banks overemphasize corporate mortgage assets and guarantees. Fifth, venture capital and private equity tend to invest in projects before the listing of technology enterprises. Due to the underdeveloped M&A market and imperfect multi-level capital market in China, the exit channels of venture capital and private equity investment are often limited to the equity transfer in the secondary market after listing. Generally speaking, science and technology enterprises have basically spent more than 8 years from research and development to listing, while most VC and PE funds have a fixed number of years of about 6 years. Therefore, VC and PE tend to invest in pre-listing projects, but are relatively unwilling to invest in early and medium-term projects.
In view of the problems existing in the above-mentioned scientific and technological enterprises, such as imperfect management system, lack of mortgaged assets, insufficient motivation of financial institutions to serve scientific and technological enterprises, and insufficient innovation of financial products, in order to thoroughly implement the spirit of the 25th meeting of the Central Leading Group for Comprehensive Deepening Reform and the 22nd meeting of the Leading Group for Comprehensive Deepening Reform of the Provincial Party Committee, the Science and Technology Department of Hebei Province issued a work plan, aiming at promoting financial institutions to improve the service system in technology and finance, constantly innovate products and tools in technology and finance, and constantly improve the service environment in technology and finance through policy guidance.
Two. Main contents of the work plan
The work plan identified four key tasks.
(1) Strengthen policy incentives and support scientific and technological innovation of enterprises.
The Science and Technology Department of Hebei Province designated 2022 as the "Year of Science and Technology Policy Implementation in Hebei Province", giving full play to the policy-oriented role of science and technology and finance, widely publicizing policies, and promoting their implementation. Through measures such as enterprise innovation points, loan risk compensation, and equity investment incentives, we will make a good combination of policies of "increasing credit, dividing risks, and rewarding compensation", support enterprises to tackle key problems and transform achievements, and strengthen the main position of enterprise innovation.
1. Implement loan risk compensation and premium subsidy. Encourage banks and financial institutions to increase their support for science and technology enterprises, and give rewards and risk compensation to loans issued by cooperative banks to qualified enterprises in accordance with relevant regulations. Encourage the equipment manufacturing enterprises in our province to innovate independently, and insure the products listed in the Announcement Catalogue of the First (Set) Major Technical Equipment Products in Key Areas of Hebei Province with the first (Set) comprehensive insurance for major technical equipment filed with the CBRC, and subsidize the insured enterprises according to the upper limit of the rate of no more than 3% and 80% of the actual annual premium.
2. Implement targeted loan discount. For "unicorn" and "potential unicorn" enterprises that have been established for less than 10 years, accepted private investment and have not yet been listed, and the valuation exceeds 500 million US dollars, they will be given a discount of 1 year at the rate of 30% of the LPR on the signing date of their newly added medium and long-term loan contracts, with the maximum annual interest not exceeding 30 million yuan.
3. Encourage technology companies to go public for financing. For enterprises listed on the basic layer and innovation layer of the "New Third Board", a one-time upfront fee subsidy of 6,543.8+10,000 yuan will be given, and a financing amount subsidy of 654.38+ 0% will be given to the initial equity financing, which will not exceed 500,000 yuan. High-tech enterprises listed on the main board of Hebei Stock Exchange, small and medium-sized technology enterprises registered in poverty-stricken counties or manufacturing enterprises will be given a one-time upfront subsidy of 50,000 yuan.
4. Increase the incentives for equity investment funds. Encourage all kinds of investment funds to invest in enterprises in the province by means of equity. If the investment scale reaches 30 million yuan and the term is more than two years (inclusive), a one-time reward will be given at 1% of the actual investment amount (excluding government guidance funds), and the maximum reward amount will not exceed 20 million yuan.
5. Promote technology insurance compensation. Support insurance institutions to provide risk protection for technology enterprises, and encourage insurance companies that carry out technology insurance business to set up pilot technology insurance services in our province. Encourage insurance institutions to widely put key R&D equipment insurance, product quality assurance insurance, key R&D personnel group accident insurance and other scientific and technological insurance types in our province, and enrich the types of scientific and technological insurance products. Optimize the relevant policies of insurance services for science and technology enterprises in our province, and put forward compensation measures according to types of insurance.
(2) Improve the investment and financing system to serve the high-quality development of the industry.
With the leading industries in Hebei as the key support direction, we will build a technology and finance service system from angel fund support projects, bank credit support for scientific and technological innovation and entrepreneurship, and venture capital support for rapid growth to capital market support for growth and take-off. By 2023, Hebei Science and Technology Guidance Fund will add 3-6 sub-funds, and the province's science and technology enterprises will receive more than 65,438+million direct investment and financing from banks and financial institutions.
1. Explore the establishment of proof-of-concept seed fund for early R&D projects. Relying on well-known universities inside and outside the province, we will build a proof-of-concept center, explore the establishment of a seed fund for proof-of-concept in Hebei Province, screen and support a number of early original projects with leading, subversive and high commercial value potential, give some financial support, fill the gap in early R&D funds, and open up the key channel for basic research achievements in colleges and universities to go to market.
For the projects supported by the proof-of-concept seed fund, it will be pushed to the angel investment guidance sub-fund after the project matures, and the equity of the proof-of-concept seed fund will be transferred to the angel investment guidance sub-fund in a market-oriented way, forming a closed-loop support for the whole chain of scientific research projects.
2. Guide the establishment of angel investment sub-funds. Encourage science and technology investment guidance funds and multi-party * * * to establish angel investment sub-funds, and make profits to angel fund management institutions and other social investors for the benefits of investing in science and technology enterprises in our province during the angel period and in the early and medium term. 40% of the profits generated by angel enterprises' investment in Hebei Province belong to the science and technology investment guidance fund. 30% of the income generated by early and medium-term science and technology enterprises investing in Hebei Province belongs to the science and technology investment guidance fund.
Science and technology enterprises with good growth in angel investment sub-fund are promoted in different industries and fields, and the equity of angel investment sub-fund is transferred to science and technology investment guidance fund in a market-oriented way, forming the whole tracking support of science and technology guidance fund.
3. Cooperate with * * * to build a science and technology investment sub-fund. Give full play to the role of science and technology investment guidance fund, actively promote cooperation with local governments and high-tech zone management committees, set up sub-funds around the leading industries in our province and the county-level characteristic industries in 107, take local characteristic industries as the main investment direction, and extensively absorb social capital such as listed leading enterprises, chain owners and head investment institutions to form joint funds. Around the upstream and downstream of the industrial chain, we found a number of high-quality enterprises with strong scientific and technological attributes and good growth, leading the high-quality development of the industry.
Among the enterprises invested by science and technology investment guidance funds, select enterprises with clear organizational structure, strong profitability, good financial status and certain scientific and technological attributes, carry out special counseling on listing cultivation, organize experts, securities companies and third-party intermediaries to conduct accurate docking, and strive for capital market assistance.
4. Explore the "investment and loan linkage" mechanism. Explore cooperation with bank financial institutions to establish sub-funds, with the fund management company under the bank financial institutions as the sub-fund management organization, give full play to the advantages of consistent internal risk prevention and control and credit system, explore the linkage mechanism of first investment and then loan under the premise of legal compliance and risk control, and include the technology enterprises recognized by the sub-fund management organization in the bank's list of high-quality customers, obtain a certain credit line from the bank, and quickly obtain unsecured loans.
5. Innovative technology credit products. Encourage financial institutions to combine the characteristics of science and technology enterprises, use credit enhancement tools, and innovate credit financial products such as science and technology loans, science and technology loans, and intellectual property pledge loans to support scientific and technological innovation of enterprises. Support the cooperation among financial institutions, supply chain core enterprises and financing guarantee institutions, form a linkage mechanism for industrial chain optimization and upgrading, develop supply chain financial products, and improve supply chain financing efficiency.
6. Use evaluation to promote the implementation of "enterprise innovation points system". The Provincial Institute of Industrial Technology organizes quantitative evaluation of the industrialization deliverables and key technology maturity of enterprise scientific research projects, accurately represents the technical advancement, technical maturity and market value of the projects, pushes the project evaluation to banks and financial institutions, optimizes the index system of "enterprise innovation points system", develops exclusive products of "innovation points loan for scientific and technological enterprises", accurately supports scientific and technological enterprises with outstanding innovation ability, and forms an exclusive policy, special credit and professional service system to support points enterprises.
(three) to carry out special activities to create a good atmosphere for the integration of science and technology and finance.
Create a series of technology and finance brand activities, promote the docking of Hebei science and technology enterprises with financial institutions inside and outside the province, carry out in-depth cooperation with relevant commercial banks in technology and finance, and solve the problems of "difficult financing" and "expensive financing" of science and technology enterprises by innovating financial products, establishing green channels, implementing preferential interest rates and allocating credit scale. By 2023, more than 1000 high-quality scientific and technological projects and achievements will be evaluated through banks, financial institutions and venture capital guidance funds, and accumulated loans for new scientific and technological enterprises in the province will exceed 200 billion yuan. The integrated development atmosphere of science and technology enterprises, banks and financial institutions in the province is increasingly strong.
1. Hold the special event of "Political and Banking Linkage to Help Science Park". Deepen cooperation with Hebei Branch of China Construction Bank, give full play to the advantages of local science and technology authorities and branches of China Construction Bank in scientific and technological innovation and financial services, and set up working groups to provide one-stop services for 32 high-tech zones above the provincial level and Jingnan demonstration zone for the transfer and transformation of scientific and technological achievements. The Provincial Department of Science and Technology and the Provincial Construction Bank jointly carry out special activities, and the local science and technology management departments and the branches of the Construction Bank provide twinning services, establish a green channel, and give priority to the acceptance and release of science and technology enterprises. Key projects in the Science and Technology Park adopt a one-on-one discussion method, customize the "creditor's rights+equity" integrated financing scheme, provide on-site service at any time, investigate urgent needs, and give a green light all the way to ensure timeliness. We will implement differentiated preferential interest rates for key projects and technology enterprises in the province under construction in 2022, and give priority to the allocation of credit scale. Provide loan extension services for science and technology enterprises affected by the epidemic, and do not blindly draw loans, break loans, and pressure loans. Through the special activities of government-bank linkage, the Provincial Construction Bank arranged a credit scale of 40 billion yuan to empower the innovation and development of science and technology parks.
2. Implement the technology and finance "100 million" service special action. Strengthen the linkage with China Industrial and Commercial Bank Hebei Branch, jointly carry out the "100 Million" service special campaign in technology and finance, and select and recommend 10 leading scientific and technological enterprises, 100 major scientific and technological achievements, 1000 high-tech enterprises and 1000 small and medium-sized scientific and technological enterprises to be included in the key support scope. First, select key support targets and include them in ICBC's new kinetic energy customer list. We will provide customized financing products and various value-added services for new kinetic energy customers by using the tools such as "Enterprise Innovation Points System" and exclusive credit products jointly created by Torch Center and Industrial and Commercial Bank of China, and accurately support the financing of technology enterprises. The second is to establish an accurate docking mechanism between major scientific and technological achievements transformation projects and financial services. Provincial Science and Technology Department recommended major scientific and technological achievements transformation projects to ICBC Hebei Branch, and eligible projects can be included in the special financial services of major scientific and technological innovation projects of ICBC. The third is to provide differentiated service products and supporting resources for new kinetic energy customers with "financial services+"as the core, and improve services such as science and technology policy handling, science and technology enterprise counseling, and resource integration and docking. Fourth, support Shijiazhuang High-tech Zone as the pilot area of the "100 Million" special action of innovative service in technology and finance of the Torch Center of the Ministry of Science and Technology, speed up the cultivation and establishment of technology and finance innovative service center, strengthen the allocation of resources, intensify innovation and speed up implementation.
3. Promote the "one body and two wings" lifting action. Promote cooperation with Bank of China Hebei Branch. Implementing the Torch Center of the Ministry of Science and Technology and the "One Body and Two Wings" technology and finance of Bank of China to help enterprises improve their innovation ability, and cooperating with Bank of China to create a "four-fold and four-new" cooperation framework. Guided by the financial needs of enterprises, we will explore new mechanisms and modes of cooperation between government and banks around key customers, key regions, key parks, key industries, innovation evaluation system, innovative featured products and innovative digital platforms. The first is to help technology companies "go out to sea". Collect scientific and technological enterprises with the demand of "going to sea" and push them to China Bank, give full play to the global advantages of China Bank, and provide enterprises with all-round financial support such as overseas project financing, cross-border settlement and cross-border scientific and technological projects. The second is to support the precise financing of technology enterprises. Using the "BOC Innovation Points Loan" of Bank of China, we will screen and recommend the technology enterprises with outstanding innovation ability in our province, and actively strive for the exclusive policies, special credit and professional service system of the point-based technology enterprises. The third is to support scientific and technological innovation and entrepreneurship. It is suggested to establish a normal docking service mechanism with branches of China Bank such as National Science and Technology Business Incubator, Zhongchuang Space and New R&D institutions, accurately identify science and technology start-ups with great growth potential and strong innovation ability, and give priority to providing enterprises with comprehensive services such as equity investment, inclusive loans, project financing, equipment leasing and personal finance.
4. Create a brand of "Jichuanghui" series activities. Make Hebei Science and Technology Innovation and Investment Conference (hereinafter referred to as "Ji Chuanghui") a stage and window for our province to display its scientific and technological strength and promote the integration of science and technology with capital, deepen the deep docking between scientific and technological enterprises and well-known domestic venture capital institutions, promote overseas innovation teams and scientific and technological enterprises to land in Hebei, and build a technology and finance service brand with national influence. First, hold investment and financing talks, high-tech zone technology investment docking and other activities, invite representatives of well-known domestic venture capital funds to attend the meeting, and select high-quality enterprises to carry out financing roadshows. The second is to hold the second Hebei Science and Technology Innovation and Investment Conference and the sixth Beijing-Tianjin-Hebei Venture Capital Summit Forum, and invite well-known domestic experts and scholars as special guests, well-known venture capital institutions and leading scientific and technological enterprises to participate. Third, we will continue to hold activities such as "Highlighting Global 100 Top Technology Transfer Cases and Roadshows of Excellent International Innovation and Entrepreneurship Projects" and "Showing Innovation Needs".
Multi-sectoral cooperation to improve the linkage mechanism between technology and capital.
Strengthen the coordination and linkage of relevant provincial departments, promote the two-wheel drive of "science and technology" and "finance" according to their respective functions, and promote the rapid landing of various science and technology policies and financial products through the coordination of provinces, cities and counties. The Provincial Science and Technology Department actively docked with financial institutions and made every effort to build a working mechanism of internal and external coordination and up-and-down linkage. Cooperate with provincial departments, local governments and financial institutions. , the establishment of scientific and technological information sharing, technology and finance training, scientific and technological listing guidance, scientific and technological resources docking and other long-term working mechanisms. By 2023, the financial service system covering the scientific and technological innovation chain will be more perfect.
1. jointly promote the listing and cultivation of science and technology enterprises. Screening high-quality scientific and technological enterprises, establishing an incubator for listing scientific and technological enterprises, giving play to the role of "Shanghai Stock Exchange's capital market serving Hebei base", conducting listing training and roadshows, guiding enterprises to improve internal management systems, sorting out fiscal and taxation systems, and formulating listing cultivation plans. In conjunction with relevant provincial departments, authoritative experts will be organized to help enterprises entering the listing counseling period, and a pre-trial consultation mechanism will be established to help solve difficult problems.
2. Improve the long-term mechanism of cross-industry, cross-field and cross-level information sharing. Support banks and financial institutions to rely on the provincial nodes of the national financing and credit service platform to enjoy the information of scientific and technological enterprises, key R&D platforms and scientific and technological projects in our province, open the data ports of scientific and technological enterprises to banks and financial institutions, promote commercial banks to accelerate the innovation of credit financing models and credit service products, support banks to deeply analyze the accurate services provided by scientific and technological enterprises to enterprises that have not opened accounts or carried out loan business, and greatly improve the first loan rate, loan acquisition rate and credit loan rate of scientific and technological enterprises.
3. Establish the "technology and finance Commissioner" system. Based on the financing needs of science and technology enterprises, we will cooperate with universities, banks and other service organizations to select service personnel in science and technology and finance, cultivate and establish a professional and high-quality team of technology and finance commissioners who understand science and technology, finance and policies, and form a joint service in technology and finance. Commissioner technology and finance went deep into the front line to keep track of the needs of science and technology enterprises in time, and carried out technology and finance policy propaganda, business guidance training, investment and financing docking and other services to provide personalized solutions for the financing development of enterprises.
4. Jointly carry out financial training for science and technology enterprises. The Provincial Science and Technology Department and the Provincial Finance Bureau tap the specific financing needs of related projects and enterprises from the aspects of scientific and technological innovation, high-tech enterprises, small and medium-sized science and technology enterprises, and protection of key industrial chains, continue to carry out financial training services for science and technology enterprises, and organize various online and offline financing docking activities.
Third, the meaning of "work plan"
Deepening the two-way integration of science, technology and finance is an important means for our province to accelerate the construction of innovative Hebei, accelerate the construction of a modern economic system and accelerate the creation of a new development pattern. The work plan is clear. Through the coordination of provinces, cities and counties, we will promote the two-wheel drive of "science and technology" and "finance" and promote the rapid landing of various science and technology policies and financial products. The Work Plan focuses on key areas such as tackling key core technologies, transformation of scientific and technological achievements, innovative small and medium-sized enterprises and high-tech enterprises, giving full play to the guiding role of financial scientific and technological funds, strengthening policy support, promoting financial institutions to serve scientific and technological innovation, building a technology and finance service system with multi-level capital markets, diversified financing channels and diversified financial products, and carrying out a series of publicity activities to continuously optimize the ecological environment of scientific and technological innovation, stimulate market vitality and develop endogenous power. The atmosphere of the integrated development of scientific and technological enterprises, banks and financial institutions in the province is increasingly strong, and the financial service system covering the scientific and technological innovation chain is more perfect, which is of great significance to promoting the capital market to better serve the real economy in Hebei.