首page> News>Ministry of Finance: Increase risk sharing and compensation for small and medium-sized enterprises in science and technology innovation

 

 

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Article selector: Liu Jia    |  Release date: 2024-08-08   |   Number of visits: 396    
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According to news from the Ministry of Finance website on August 6,In order to implement the 20th National Congress of the Communist Party of China、The Third Plenary Session of the 20th CPC Central Committee and the Central Economic Work Conference、Spirit of the Central Financial Work Conference,Implement innovation-driven development strategy,The Ministry of Finance and the Ministry of Science and Technology、Ministry of Industry and Information Technology、The State Administration of Financial Supervision and Administration issued the "Notice on the Implementation of the Special Guarantee Plan dafabet live casinoto support scientific and Technological Innovation" (Caijin [2024] No. 60,Hereinafter referred to as "Notice")。Recently,The relevant person in charge of the Ministry of Finance answered reporters’ questions regarding the “Notice”。

Relevant person in charge of the Ministry of Finance said,Under in-depth research、Repeated arguments、Fully solicit opinions、On the basis of completing the approval procedures,The Ministry of Finance recently issued the "Notice" together with relevant parties,Implementation of special guarantee plan dafabet live casinoto support scientific and technological innovation,By further leveraging the system-leading role of the National Financing Guarantee Fund (hereinafter referred to as the “National Guarantee Fund”),Increase risk sharing and compensation for small and medium-sized enterprises in technological innovation,Leverage more financial resources to support technological innovation,To achieve high-level technological self-reliance、Accelerate the formation of new productive forces、Promote high-quality economic development and provide strong support。

From the main content,Special guarantee plan dafabet live casinoto support scientific and technological innovation including overall requirements、Three parts of implementation plan and organization implementation,Among them,The implementation plan clearly stipulates the support objects of the special guarantee plan、Risk ratio、Guarantee rate、Guaranteed amount、Compensation limit、Compensation mechanism and other requirements,To sum it up, it’s “accurate、Fees reduction、Innovation、Three improvements”。

First, focus on technological innovation and small and medium-sized enterprises,Precision “drip irrigation” business entity。Focus on solving projects with prospects、Technology is competitive、There is potential for development、High intellectual property value,However, it is difficult and expensive for small and medium-sized technological innovation enterprises with less effective collateral to obtain financing。After repeated research, 7 types of support objects have been determined,Wide coverage,Large gradient span,Technology-based small and medium-sized enterprises that enterprises can apply for inclusion in the "National Science-based Small and Medium-sized Enterprises Information Database"、The Ministry of Industry and Information Technology cultivates innovative small and medium-sized enterprises at lower levels in the gradient of high-quality enterprises,To specialized, new “little giant” small and medium-sized enterprises with strong innovation capabilities,All within the scope of policy support。At the same time,The special guarantee plan focuses on connecting with existing policies,The concept of gradient cultivation,Hierarchical classification determines the risk sharing ratio of state-owned funds。

The second is to delineate the "red line" of guarantee fee standards,Reduce the comprehensive financing costs of technological innovation SMEs。Specify that the re-guarantee rate for a single guarantee amount of more than 5 million yuan in the re-guarantee business shall not be higher than 0.5%,The re-guarantee rate for a single guarantee amount of 5 million yuan and below shall not be higher than 0.3%。Cooperating institutions are encouraged to target different risk levels、Business entities with different qualifications dafabet online sports betting appimplement differentiated guarantee rates,Gradually reduce the average guarantee rate charged to small and medium-sized enterprises in the science and technology innovation category to less than 1%。Except loan interest and guarantee fees,Cooperating institutions are strictly prohibited from using deposits、Commitment fee、Consultation fee、Consultancy fee、Registration fee、Unreasonable fees charged in the name of data fees。

The third is innovative business linkage model,Provide full life cycle services for enterprises。Encourage qualified government financing guarantee institutions to explore the linkage model between technological innovation guarantees and equity investment institutions,Promote various financial capital and social investment,Providing full life cycle technological financial services to technological innovation enterprises。Enterprises obtain “debt + equity” comprehensive financial services in the early stages of development,Conducive to investing more funds in scientific and technological innovation。

The fourth is to increase the risk share ratio、Guaranteed amount、Compensation limit,Guide financial institutions to inject more financial vitality。By increasing the loan liability insurance ratio of the state-owned fund from 20% to no more than 40%,The upper limit of the guarantee amount for a single household is increased from 10 million yuan to 30 million yuan,The upper limit of compensation rate is increased from 4% to 5%,Effectively improve the enthusiasm of city (county) direct guarantee agencies to guarantee small and medium-sized enterprises in the science and technology innovation category,Encourage banks to invest more financial resources in the field of technological innovation。

Relevant person in charge of the Ministry of Finance said,To promote the implementation of the special guarantee plan dafabet live casinoto support scientific and technological innovation,Will strengthen finance、Currency、Science and Technology Policy Collaboration,Form policy synergy,Coordinate and cooperate from the following aspects、Coordinated efforts,Promote policies to improve quality and efficiency。First, strengthen coordination and linkage,All parties work in the same direction;The second dafabet live casinois to strengthen performance guidance,Use the assessment "baton" well;The third is to focus on “reasonably determining the total scale of the re-guarantee business、Strictly control the entry level of enterprises、Consolidate the loan review responsibilities of financial institutions、Strengthening implementation supervision” four links,Build a solid line of risk prevention and control。

In "Strengthening Performance Guidance,Make good use of the "baton" aspects of assessment,The person in charge said,For the state-backed fund’s technological innovation re-guarantee business,The Ministry of Finance will list the annual business scale separately、Performance appraisal indicators such as compensation rate。Local financial departments combine actual conditions,Appropriately increase government financing guarantee、Evaluation requirements for the upper limit of compensation rate for reinsurance institutions to carry out scientific and technological innovation business。At the same time,Strengthen the application of assessment results,As a related reward、Basis for implementation of support measures,Effectively motivate government financing guarantee institutions to take proactive actions。

Source: Securities Daily (Reporter Han Yu)



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