In the wave of industrial transformation and product upgrading, relying on scientific and technological research and development to occupy market opportunities, this is the consensus for enterprises to seek breakthroughs. Science and technology enterprises generally have the characteristics of high technology, high growth and high output, but they also have the defects of high investment, high risk and light assets. Capital has become the biggest bottleneck restricting the development of science and technology enterprises.

With high-quality patents can apply for patent pledge loans, scientific and technological personnel can enjoy exclusive loans, enterprises to launch scientific and technological innovation projects (plans) to meet the conditions can apply for matching funds special loans ...... In order to alleviate the financing difficulties of small and medium-sized technology-based enterprises, revitalize the real economy, and promote the sustained and healthy development of Haiyan economy, since 2013, Haiyan County Science and Technology Bureau United County Agricultural and Commercial Bank has launched a series of science and technology financial products, vigorously support the development of high-tech industries, promote the transformation and upgrading of the county economy.

The reporter learned that as of the end of last month, Haiyan Rural Commercial Bank has launched 6 technology financial products, including special loan products for innovative high-tech enterprises, patent pledge loan products, special loan products for scientific and technological personnel entrepreneurship, and special loan products for scientific and technological innovation for scientific and technological enterprises., Special loan products for the construction of enterprise scientific research institutions, special loan products for supporting funds for enterprise scientific and technological innovation projects (plans), at the same time, it also provides traditional payment and settlement, electronic online banking, bills, etc. to meet the multi-level, multi-angle and multi-flexible financial needs in the development of science and technology enterprises.

"Technology-based enterprises may have financing needs in product research and development, testing, production, sales and other links. According to the actual situation of technology-based enterprises, six technology financial credit products cover all aspects of the development of technology-based enterprises." County Science and Technology Bureau related work responsible person said. How to establish a safe and fast financing channel is the primary problem facing the "science and technology finance" platform. Because technology-based enterprises have less fixed assets relative to their own, and the initial investment is large, the output cycle is longer than traditional enterprises, and the financing risk is relatively high. On the other hand, the capital flow of science and technology enterprises is under great pressure, and the demand for funds is urgent.

In order to solve the financing problem, the County Science and Technology Bureau and the County Rural Credit Union signed the "Haiyan County Science and Technology Financial Business Cooperation Agreement". The County Science and Technology Bureau assisted in providing relevant information on science and technology enterprises in the county to solve the problem of information asymmetry between enterprises and banks, so that banks have a more comprehensive understanding of enterprises and clear the obstacles to loan issuance. In addition, through the network of science and technology commissioners established by Haiyan County Science and Technology Bureau, and combined with the inclusive financial commissioners network of the county rural credit cooperatives, Haiyan County has continuously accelerated the coverage and service level of science and technology finance.

According to statistics, in the past five years, Haiyan Agricultural Commercial Bank has comprehensively carried out the docking of science and technology finance business. Through information exchange and friendly cooperation, it has increased the coverage and loan absorption rate of science and technology finance, and promoted the close development of science and technology and finance. A total of 156 science and technology-based small and medium-sized enterprises in the county have carried out centralized visits, publicity and docking, with a comprehensive credit line of 888.43 million yuan, including 173.05 million yuan for science and 14 million yuan for patent pledge, 67 enterprises have been approved for special loans for 6 series of credit products in science and technology finance.

In terms of specific projects, Haiyan Agricultural Commercial Bank has issued a total of 40 special loans for high-tech industries with a total amount of 92 million yuan, 36 patent pledge loans with a total amount of 76.25 million yuan, 129 special loans for scientific and technological innovation for scientific and technological enterprises with a total amount of 276.4 million yuan, 6 special loans for the construction of scientific research institutions for enterprises with a total amount of 22.5 million yuan, A total of 17 special loans for supporting funds for scientific and technological innovation projects (plans) of enterprises have been issued, with an amount of 10.5 million yuan.

Last year, Haiyan enterprises supported a total of 70 special loans through six series of credit products of science and technology finance, with a total amount of 127.05 million yuan, of which 48 were special loans for scientific and technological innovation of science and technology enterprises, with a total amount of 88.55 million yuan, accounting for about 70% of them.