Science and Technology Daily reporter Yong Li intern Shan Qianlan
“The loan came in time and solved our urgent need!” Ma Bing, head of Chongqing Moore water treatment equipment Co., Ltd., sighed. On January 6, the reporter learned from Chongqing high tech Zone that since the launch of “high tech loan” in November 2021, the first 4 million loan has been landed. Up to now, there are 54 enterprises intending to apply for “high-tech loan”, with an intended application amount of 85 million yuan.
the first loan of “high tech loan” is 4 million
It is understood that “high tech loan” is an innovative financial product tailored for high-tech enterprises in Chongqing high tech Zone by innovating the risk sharing mechanism of the government and guarantee institutions on the basis of summarizing and absorbing the operation experience of a variety of existing debt financing products, aiming to provide financial support for the development of high-tech enterprises in Chongqing high tech Zone.
“This’ high-tech loan ‘does not require our enterprise to provide any real estate collateral. It is not only fully guaranteed by the guarantee company and provides preferential guarantee rates, but also lends according to the basic loan interest rate, which can be said to be the lowest in the current market.” Ma Bing introduced that his company has long focused on the development of ultrapure water equipment, which can be used to develop ultrapure materials, such as semiconductor component materials, nano fine ceramic materials, etc. After the enterprise applied for “high tech loan” on the “high tech financial service” platform, Chongqing Science City Financing Guarantee Co., Ltd. and Hua Xia Bank Co.Limited(600015) immediately carried out due diligence visits to the enterprise and reviewed the data. On December 28 last year, it obtained a credit loan of 4 million yuan for scientific and technological innovation.
“For a long time, science and technology enterprises have faced problems such as difficult financing, expensive financing and slow financing.” According to the relevant person in charge of the innovation service center of Chongqing high tech Zone, Chongqing Science City Financing Guarantee Co., Ltd., a cooperative guarantee institution, provides guarantee and credit enhancement for loan enterprises. It is committed to solving the problem of low credit rating caused by asset light. Cooperative banks lend according to the basic loan interest rate and strive to reduce the financing cost of science and technology enterprises.
at present, 54 enterprises intend to apply for “high tech loan”
“Up to now, there are 54 enterprises intending to apply for ‘high tech loan’, and the amount of intending application has reached 85 million yuan.” According to the person in charge of the innovation service center of Chongqing high tech Zone, next, the innovation service center will further strengthen policy publicity, collect enterprise financing needs, effectively solve the problems of enterprise financing needs, and help enterprises develop with high quality.
It is understood that the industrial and commercial registration, tax registration and statistical relationship are within the direct management Park of Chongqing high tech Zone, and the high-tech enterprises that have been put into the “Chongqing Science and technology enterprise database” and fill in the annual report as required can apply for “high-tech loan” through the “high tech financial service” platform.
In order to enable enterprises to get the loan as soon as possible, “high tech loan” implements the rapid Bank approval of “loan upon guarantee”. After the enterprise submits the application and is reviewed by the guarantee institution, the bank can issue the loan. After the loan is granted, the innovation service center of Chongqing high tech Zone shall jointly carry out supervision and management with cooperative guarantee institutions and cooperative banks, and establish early warning mechanism and circuit breaker mechanism.
In recent years, the western (Chongqing) Science City has continuously deepened its cooperation with financial institutions, driving more financial resources to flow to science and technology enterprises. Next, the western (Chongqing) Science City will guide the independent innovation of science and technology enterprises, comprehensively promote the market players to enhance their kinetic energy, lead the coordinated development of leading industries, enhance the support and guidance of regional scientific and technological innovation for the high-quality development of the western (Chongqing) Science City, and promote the financing increment, expansion and price reduction of small, medium-sized and micro enterprises.
(Science and technology daily)
