reply Financial services in Yantai Free Trade Zone of Shandong province have been upgraded

Finance has this quality: 1% of a city is 99% of its reputation. Science and technology finance is an important system serving science and technology innovation industry, and its importance is increasingly prominent. Especially for the technology-based smes with the characteristics of "asset-light and high growth", financing is difficult and expensive to solve the problem.Since its establishment more than two years ago, Shandong Pilot Free Trade Zone yantai Area has taken precise measures and taken multiple measures to innovate financial products, enhance the credibility of enterprises and strengthen the capital chain, helping high-tech enterprises grow quickly and effectively and injecting lasting vitality into the development of regional scientific and technological innovation.Government risks banks' Dare to lend 'In the past, it was difficult for banks to judge the value of high technology owned by enterprises due to the shortage of financial personnel who knew high technology. In addition, the development of new technologies and new products itself is faced with great market risks, so banks naturally dare not take intellectual property rights such as patented technologies as the basis for judging loans to enterprises. However, there is a different scene in The Yantai area of the Shandong Pilot Free Trade Zone."On the basis of the municipal risk compensation, the district level shall undertake the risk compensation of no more than 30% of the principal of non-performing loans; 'Results-based loan' business is provided by the provincial and municipal levels, with the principal of non-performing loans not exceeding 70% of the risk compensation." Bank of China Yantai Development Zone branch manager Liu Xin said. When risks come, the government takes the big part and financial institutions the small part, which makes banks feel reassured.The "government + banks" risk-sharing mechanism has not only boosted the development of small and medium-sized technology enterprises, but also provided unprecedented vitality and vitality to the development of the banking industry. At present, 18 banks in the region have become cooperative financial institutions of science and technology loan, and have issued loans totaling 1.774 billion yuan to 313 enterprises, vigorously activating the development of small and medium-sized science and technology enterprises.Many enterprises "willing to lend""The city subsidized 100,000 yuan, and the district subsidized another 300,000 yuan, greatly reducing our financial pressure, and the road for entrepreneurship is getting wider and wider." A few days ago, Yantai Ginseng Fuyuan Ocean Science and Technology Co., LTD. Record achievement loan 10 million yuan, repayment of principal and interest, subsidies have been into the account."Branch credit" and "achievement loan" are subsidized in accordance with 1% of the principal of the loan on record and 50% of the quoted interest rate of the loan market for the same period published by the People's Bank of China when the loan contract is signed, which has effectively reduced the loan cost of enterprises and reduced the financial pressure."In recent years, the region's science and technology credit subsidies have benefited 84 enterprises, with funds of 5.15 million yuan." The amount of subsidies to be issued this year will exceed 20 million yuan, and next year will exceed 30 million yuan.Platform System to achieve "Optimal Solution"One key submission, one key inquiry, one key management, loan, loan, record, disbursement at one go. A few days ago, through the new online Yantai science and technology financial service platform for the completion of the "achievement loan", Yantai Fenglu fine chemical Co., LTD., the person in charge happily said: "Good! Without even leaving the door, banks, guarantee companies, securities companies and other financial institutions can efficiently connect with us, and the loan of 3.5 million yuan was approved smoothly."The government takes the lead in building a service platform, establishing a credit investigation and evaluation system for enterprises, and attracting credit resources to flow to small and medium-sized technology-based enterprises with innovative capabilities. After the loan is overdue and identified as non-performing, the loss and the amount of the district-level risk compensation fund shall be confirmed, and the amount shall be made public and appropriated to the cooperative financial institution within 10 working days after the issuance of the capital plan. The maximum amount of risk compensation shall reach 50 million yuan.If the net is in the compass, there is a branch but not a turbulence. The dynamic technology and financial service system makes the rapidly developing Yantai area more and more attractive.From risk-sharing mechanism of government and Banks, to implement the provincial, city, district linkage of form a complete set of credit subsidies measures, to build enterprise silver cooperation exchange platform for the efficient work, yantai area is to "science and technology to promote financing, financing for promoting innovation" of good financial ecological environment, science and technology to help science and technology enterprises grow quickly and effectively, promote regional economic transformation and upgrading.