Cited "Financial Water" To Help "Innovation Big Pump"

　　In the industrial transformation, product upgrades in the tide, relying on scientific and technological research and development to occupy the market opportunities, which is the enterprise to seek a breakthrough consensus. Science and technology enterprises generally have high technology, high growth, high output characteristics, but there are also high input, high risk, light assets defects, capital constraints become the biggest bottleneck in the development of science and technology enterprises.

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

　　Reporters learned that, as of the end of last month, Haiyan agricultural firms have launched six science and technology financial products, including innovative high-tech enterprises special loan products, patent pledge loan products, scientific and technological personnel business special loan products, science and technology enterprise science and technology innovation special loan products, Enterprise scientific research institutions to build a special loan products, enterprise science and technology innovation projects (plans) matching funds special loan products, but also to provide traditional payment and settlement, electronic banking, bills and other technology companies to meet the development of multi-level, multi-angle, more flexible financial needs.

　　"Science and technology enterprises in the product development, testing, production, sales and other sectors, are likely to produce financing needs, for the actual situation of science and technology enterprises, 6 science and technology financial credit products covering all aspects of the development of science and technology enterprises. Bureau of the relevant work of the person in charge said. How to establish a safe and fast financing channel is the "technology finance" platform is facing the primary problem. As the scientific and technological enterprises relative to their own fixed assets less, and the initial investment, the output cycle than traditional enterprises, financing risk is relatively high. On the other hand, science and technology enterprises capital flow pressure, urgent demand for funds.

　　In order to solve the financing problem, the county science and technology bureau and the county agricultural credit cooperatives signed a "sea salt science and technology financial business cooperation agreement" by the county science and technology bureau to help provide the county science and technology related information to solve the information asymmetry between enterprises and banks Problems, so that banks have a more comprehensive understanding of the enterprise, clear the barriers to the issuance of loans. In addition, Haiyan County Science and Technology Bureau through the establishment of the network of science and technology correspondent, and the county agricultural credit cooperatives Pratt & Whitney financial correspondent network, play a "two members" role, Haiyan County to speed up the coverage of science and technology work and service level.

　　According to statistics, over the past five years, Haiyan Rural Commercial Bank has carried out the docking work of science and technology finance business, and through information exchange, friendly cooperation, increase the coverage of science and technology finance, and promote the close development of science and technology and finance. Home science and technology small and medium enterprises to carry out centralized visits, publicity and docking, credit comprehensive credit 888.43 million yuan, which has docked technology credit line 173.05 million yuan, the patent pledge credit 14 million yuan, has been approved by science and technology 6 major series of credit products 67 loans enterprises.

　　In the specific project, Haiyan Agricultural Bank has issued a total of 40 special high-tech industry loans, the amount of 92 million yuan issued, the cumulative issuance of 36 pledged loans, the amount of 76.25 million yuan, the cumulative release of science and technology enterprises special science and technology loans The total amount of RMB 22.5 million will be paid, and the total amount of RMB 11.5 million will be paid for the total amount of funds allocated to the enterprise science and technology innovation project (planned) matching funds.

　　Last year, Haiyan enterprises through science and technology 6 major series of credit products special loans total support of 70 pen, the amount of 12.75 million yuan, of which science and technology enterprises in science and technology innovation special loans 48, the amount of 88.55 million yuan, accounting for about 70%.