China's network finance and economics on September 30 (reporter Wang Jinrui) no need to touch the screen, with a finger lightly click, you can operate in the air, is not very cool? There are also clothes made of corn as a raw material, cups, plates, lunch boxes... During the field research in Anhui Province, the financial reporter of China Net felt the novel experience brought by scientific and technological innovation.
Innovation is a beautiful and characteristic business card of Anhui. It is understood that the Anhui Banking and Insurance Regulatory Bureau focuses on the decision-making and deployment of the provincial party committee and the provincial government to create a "source of scientific and technological innovation" and an "emerging industry gathering place", coordinates the resource advantages of the two systems of the banking and insurance industry, and further increases financial support for scientific and technological innovation and strategic emerging industries. Up to now, the balance of loans for science and technology enterprises in Anhui Province is 167.4 billion yuan, an increase of 47.5%, which is 25.2 percentage points higher than the growth rate of various loans, covering more than 12,000 science and technology enterprises. The balance of loans for strategic emerging industries was 213.8 billion yuan, accumulating 5856 households. Since 2020, science and technology insurance has provided a total of 189.1 billion yuan of risk protection for 4,889 high-tech enterprises in the province, supporting 723 sets of major technical equipment, 98 batches of key new materials, and 37 software products for the first time.
At the same time, in 2021, Anhui Province will steadily and orderly promote party building to lead the construction of credit villages, strengthen the construction of the rural credit system with new concepts, new technologies and new methods, and actively explore new paths to promote rural revitalization and promote the high-quality development of rural inclusive finance. Anhui's financial industry has made precise efforts to escort scientific and technological innovation, strategic emerging industries and rural revitalization.
Financial power helps scientific and technological innovation run out of "acceleration"
Have you ever seen an interface floating in the air? "Single finger vertical click on the air screen" can operate the medical self-service machine without contact, complete the registration, payment and other operations. In the process of investigation, the financial reporter of China Net personally experienced the "contactless medical self-service machine" and "contactless range hood" and other equipment developed by Anhui Dongchao Technology Co., Ltd. (hereinafter referred to as :東超 Technology), and the operating interface floating in the air is as convenient as the real screen, but it does not require real contact to complete various operations.
Anhui Dongchao Technology Co., Ltd. contactless self-service machine
"We have applied relevant technologies to the fight against the epidemic, developed contactless medical self-service machines, and donated this equipment to the front of the fight against the epidemic through multiple channels when the epidemic is more serious." Fan Chao, general manager of Dongchao Technology, told reporters. It is understood that Dongchao Technology was established on August 11, 2016, is a national high-tech enterprise focusing on precision optical technology research and development direction, its independent research and development of interactive aerial imaging technology, to achieve direct interaction between people and aerial real images.
However, behind the series of achievements of Dongchao Technology, it is inseparable from the support of financial forces. The reporter learned that after comprehensive consideration and analysis of the development of enterprise start-ups and potential needs, the Anhui Branch of China Construction Bank provided a pure credit unsecured loan of 3 million yuan for Dongchao Technology, helping the company's liquidity turnover, and setting up a special comprehensive financial services team to continuously understand, track and solve the company's needs and pain points. "The investment and financing cooperation between China Construction Bank Anhui Branch and Dongchao Technology is being carried out in an orderly manner." Yang Xuejun, vice president of the Anhui branch of the China Construction Bank, said so.
In fact, Dongchao Technology is just a small silhouette of the Anhui branch of China Construction Bank supporting the science and technology innovation enterprises in China Sound Valley. After more than eight years of development, China Sound Valley has seized the initiative in innovation and development in multiple industries such as intelligent voice and artificial intelligence, and has gathered and cultivated a number of industry unicorn enterprises, such as iFLYTEK, Huami Technology, Dongchao Technology, etc. According to Yang Xuejun, vice president of the Anhui Branch of China Construction Bank, in order to serve the science and technology enterprises in China Sound Valley and solve the financing problems of enterprises, the bank cooperated with China Sound Valley to innovate and develop the "China Sound Valley Credit Loan" for the science and technology enterprises in sound valley, which is the bank's first technology-based unsecured and unsecured enterprise credit loan product tailored for enterprises in the park. At present, there are more than 300 settled enterprises in the park, the bank has provided account opening and settlement services for more than half of the enterprises, and exclusive credit loans have supported 31 enterprises, with a total loan of more than 50 million yuan.
In China's Sound Valley, the reporter also saw the figure of china construction bank's "entrepreneur's harbor". "In fact, our service to the enterprise is basically a one-stop, our idea at that time is to focus on the whole life cycle of the enterprise, from the registration of the enterprise, to the subsequent capital needs, or human resources, research and development technology and other aspects of the needs, we can find a solution." The relevant staff of the Hefei Science and Technology Branch of China Construction Bank introduced it. According to the data, as of the end of August 2021, the Anhui branch of China Construction Bank supported a total of 2,506 loan customers for science and technology innovation enterprises, an increase of 239 households compared with the beginning of the year, and the balance of loans was 50.294 billion yuan, an increase of 4.937 billion yuan over the beginning of the year.
In addition to the Anhui Branch of China Construction Bank, other financial institutions in Anhui Province have also contributed financial strength to support the development of science and technology enterprises. For example, Huishang Bank has formulated guidelines and implementation plans for the development of science and technology finance business, focusing on high-tech parks, Zhanxin bases, etc., covering large, medium, small and micro life cycle technology enterprises, as of the end of August, the bank has provided 43.614 billion yuan of loan support for 3140 science and technology enterprises. Bank of Hangzhou Hefei Branch actively introduced advanced products of science and technology finance from the head office to serve local science and technology enterprises according to local conditions, and as of the end of June 2021, it had supported 744 customers in scientific and technological innovation and emerging industries in Anhui Province, with a deposit balance of 431941 million yuan and a loan balance of 174396 million yuan.
According to Li Bingling, deputy general manager of PICC Property & Casualty Anhui Branch, "PICC P&C Anhui Branch actively serves Anhui's scientific and technological innovation and the development of high-tech industries. In the first half of this year, the total risk of high-tech enterprises was more than 100 billion yuan, and more than 500 enterprises were served. ”
Financial living water "loan" to move strategic emerging industries "new chess game"
Is it a little incredible that the corn you usually eat can be made into clothes, cups, plates, lunch boxes, etc. after a series of treatments? At the production base of Anhui Fengyuan Futailai Lactic Acid Co., Ltd. (hereinafter referred to as Fengyuan Futailai), the financial reporter of China Net saw a variety of clothes, utensils and so on made of polylactic acid.
Anhui Fengyuan Futailai Lactic Acid Co., Ltd. Polylactic acid products
Fengyuan Futailai was established on January 9, 2018, is the core enterprise of the bio-based industry in the "double-base industry" in Bengbu City, Anhui Province, after more than 20 years of exploration, the company has fully mastered the whole industry chain production technology from corn to lactic acid, to polylactic acid, and then to the fermentation, extraction, polymerization and downstream polylactic acid fiber and polylactic acid plastic products manufacturing, and is the only enterprise in China that masters the production technology of the whole industrial chain of polylactic acid.
The reporter further learned that behind the development of Fengyuan Futailai, it benefits from the precision irrigation of financial living water. As early as 2019, Fengyuan Group planned to build a biological industry manufacturing base represented by Fengyuan Futailai, and the Agricultural Bank of China Bengbu Branch docked with Fengyuan Group for the first time to learn more about the industrial layout of the enterprise, tailored the financial service plan for the lactic acid project for the enterprise according to the project construction needs, established a provincial, municipal and county three-level linkage financial service team, implemented the priority approval and parallel operation of strategic emerging industry projects, and made every effort to accelerate the project investigation, approval and delivery speed. At the same time, in order to reduce the burden on the enterprise, the project loan adopts a guarantee guarantee, and there is no need for the enterprise to provide collateral or pay other fees. In March 2020, the Bengbu Branch of the Agricultural Bank of China successfully issued a fixed asset loan of 150 million yuan to meet the construction needs of enterprises in a timely manner through efficient services.
In addition, in order to support the development of Bengbu Kaisheng Engineering Technology Co., Ltd. (hereinafter referred to as Kaisheng Engineering), which is mainly engaged in the research and development, manufacturing and operation and maintenance services of glass equipment, China CITIC Bank Bengbu Branch provided the company with a credit line of 100 million yuan. It is understood that Kaisheng Engineering was established in July 2004, with ultra-thin electronic glass edge drawing machine and intelligent centralized control equipment key technology, ultra-thin electronic float glass annealing kiln complete set of equipment key technology, intelligent ultra-thin solar photovoltaic glass calendering molding equipment key technology and other more than 12 core key technologies, has accumulated 262 patents.
Bengbu Kaisheng Engineering Technology Co., Ltd. production workshop
At the same time, The Bengbu Branch of Huishang Bank focuses on the major projects of bengbu's advantageous industries and strategic emerging industries, sets up an action group, specially assists in-door docking, designs a plan according to the needs of enterprises, starts from the needs of enterprises, and personally solves problems, provides services and promotes development for enterprises. For example, the credit line of Bengbu Guoxian Technology Co., Ltd., which is mainly engaged in the production of liquid crystal display modules, has been increased from the initial 20 million yuan to 400 million yuan, of which the working capital loan is 100 million yuan, the discount line is 100 million yuan, and the low-risk line is 200 million yuan, which meets the different settlement methods of enterprises by providing different credit line combinations, and the loan interest rate is reduced from 4.35% to 3.5%, effectively reducing the financing cost of enterprises.
"Under the strong leadership of the Anhui Banking and Insurance Regulatory Bureau, the Bengbu Banking and Insurance Regulatory Bureau guides the banking and insurance institutions under its jurisdiction to take advantage of the momentum to promote the construction of silicon-based and bio-based 'double-base' industrial clusters and help the layout of the industrial development chain." As of the end of August, the balance of loans for science and technology enterprises in Bengbu City was 9.794 billion yuan, an increase of 30.33%, 20.84 percentage points higher than the increase in various loans; the balance of loans for strategic emerging industries was 15.042 billion yuan, an increase of 40.34%, higher than the increase of 30.85 percentage points of various loans; the balance of medium- and long-term loans was 188.61 billion yuan, an increase of 22.266 billion yuan or 13.39% from the beginning of the year. Chen Zhuo, deputy director of the Bengbu Banking and Insurance Regulatory Bureau in Anhui Province, introduced.
Financial temperature helps the countryside to read the "Get Rich Sutra"
In addition to increasing financial support for scientific and technological innovation and strategic emerging industries, the financial temperature of Anhui Province has also illuminated the "happiness road" in the countryside and helped the countryside read the "Prosperity Classic".
It is understood that in 2021, Anhui Province will focus on promoting the requirements of the domestic large cycle in rural areas, steadily and orderly promote party building to lead the expansion and deepening of the construction of credit villages, use new concepts, new technologies and new methods to strengthen the construction of rural credit systems, build a good credit environment in rural areas, and actively explore new paths to promote rural revitalization and promote the high-quality development of rural inclusive finance. By the end of June 2021, 504,000 households, 4,302 new agricultural business entities and 638 collective economic organizations were archived in 16 selected counties (cities and districts) in Anhui Province, with a comprehensive filing rate of 98% and 217,000 farmer households and 2,391 new agricultural business entities in the selected townships. The 228 village collective economic organizations granted credit of 15.46 billion yuan, the number of credit entities receiving loans increased by more than 28,000 households compared with before the construction of the selected points, the net increase in loans was 3.88 billion yuan, the average annual interest rate of loans fell by 98 basis points, and the interest expenses were saved by about 44.323 million yuan.
According to the relevant person in charge of the Anhui Banking and Insurance Regulatory Bureau, as of the end of June 2021, the balance of agriculture-related loans in the banking industry in Anhui Province was 1.75 trillion yuan, an increase of 159.892 billion yuan over the beginning of the year, an increase of 10.05%, an increase of 15.12% year-on-year. The balance of inclusive agriculture-related loans of banking financial institutions in the province was 337.766 billion yuan, an increase of 48.365 billion yuan over the beginning of the year, an increase of 16.71%, higher than the average growth rate of various loans by 7.72 percentage points; among them, the balance of inclusive agriculture-related loans of corporate banking financial institutions was 257.394 billion yuan, an increase of 8.76% over the beginning of the year, and 84.06% of the annual credit plan was completed.
(Editor-in-Charge: Yi Wei)