There are 52 18 high-tech enterprises in Changsha, and it is expected to exceed 6,000 by the end of the year; In the first half of the year, the number of small and medium-sized science and technology enterprises registered by the Ministry of Science and Technology reached 40 18, and it is expected that the number will exceed 6,000 by the end of the year. Guo Dong, Party Secretary and Director of the Municipal Science and Technology Bureau, introduced in the policy interpretation that credit loans and risk compensation for knowledge value of science and technology enterprises are jointly carried out by Hunan Province, Changsha City and cooperative banks to support banks to issue credit loans to high-tech enterprises and small and medium-sized science and technology enterprises in our city.

At present, the Provincial Science and Technology Department and Changsha * * * have set up a risk compensation fund for knowledge value credit loans of science and technology enterprises of 654.38 billion yuan. Cooperative banks give enterprises science and technology credit loans according to the evaluation results of knowledge value. The risk compensation fund shall not compensate the principal loss caused by bank loans by more than 80%. All provinces and cities contribute capital in the same proportion and share the compensation amount in the same proportion. Additional funds can be supplemented through negotiation. The loan amount of a single enterprise included in risk compensation shall not exceed 5 million yuan. If the loan term is less than one year (including one year), the loan can be renewed without repayment of the principal (no more than two years at the longest).

China Industrial and Commercial Bank of China Hunan Branch, China Agricultural Bank Hunan Branch, China Bank Hunan Branch, China Construction Bank Hunan Branch, Bank of Communications Hunan Branch, China Postal Savings Bank Hunan Branch, Changsha Bank, Shanghai Pudong Development Bank Changsha Branch and other eight banks signed this contract are widely distributed in our city, and their businesses have their own characteristics, which can provide exclusive products with various interest rate concessions. Technology-based enterprises can apply for credit loans at the above-mentioned bank outlets and lend money on the same day as soon as possible.

The loan process includes evaluation, pre-credit, lending and filing. According to the credit evaluation index system of knowledge value of scientific and technological enterprises in Hunan Province, the research and development ability and management ability of scientific and technological enterprises are mainly investigated. Among them, scientific research and development; D capabilities include independent intellectual property rights and R&D ratio; The proportion of R&D in enterprise investment; D personnel, technology contracts, talents for scientific and technological innovation, innovation platforms and scientific and technological awards. Management ability includes four indicators, such as the proportion of sales revenue of high-tech products to the main business income of enterprises.

Through this policy, it is estimated that the city's science and technology enterprises will receive at least 3 billion yuan of credit loans every year, benefiting more than 2,000 enterprises. The Provincial Science and Technology Department conducted a knowledge value assessment of the first batch of more than 4,000 science and technology enterprises in our city, and provided the assessment results to banks.

Zhai Zhigang, general manager of inclusive finance Business Department of China Bank Hunan Branch, said in an interview that according to the credit score of knowledge value of technology enterprises, China Bank has developed a new product-"Huiruyuan Xiaoxiang Technology Innovation Loan", which is specially used for knowledge value credit loans of technology enterprises. Starting from the scientific and technological attributes of enterprises, based on the credit score of knowledge value, and considering the internal and external big data comprehensively, this product actively provides pre-credit for 9,875 scientific and technological enterprises in the province, with a total amount of 24.2 billion yuan, including 4,427 households in Changsha, with a total amount of/kloc-0.09 billion yuan.

ID:jrtt

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