Songshan Lake's financial industry continues to support the real economy and provide surging "gold" momentum for the high-quality development of the park. As of the end of March, the balance of local and foreign currency deposits in Songshan Lake was 104.3 billion yuan, exceeding the 100 billion yuan mark for the first time, and the balance of loans increased by 31% year-on-year, leading the city.
Only when finance is active can the economy be strong. As a rising star in the development of Dongguan's financial industry, Songshan Lake attaches great importance to the important position and role of finance in economic development. Since the beginning of this year, Liu Wei, deputy secretary of the Dongguan Municipal Party Committee and secretary of the Songshan Lake Party Working Committee, has organized special studies for many times to study the implementation measures to promote high-quality financial development according to local conditions.
Based on the background of the city of scientific and technological innovation, Songshan Lake is constantly improving the characteristic scientific and technological financial service system, continuing to provide full-chain financing policy support, building a "credit bridge" between banks and enterprises, and guiding more financial living water to moisten the real economy.
The whole chain financing policy helps the development of enterprises
In order to guide financial institutions to increase their support for the real economy, especially small and micro enterprises, scientific and technological innovation, etc., Songshan Lake has continuously optimized and improved the financing policy empowerment system, and has successively introduced a number of financial policies to support the financing development of enterprises, encourage enterprises to go public and compensate for financing risks, and continuously improve the quality and efficiency of financial policies to serve the real economy.
As of the end of March, the park has allocated a total of 66.35 million yuan of loan interest subsidy funds to directly reduce the financing cost of enterprises and effectively solve the problem of "expensive financing" of enterprises, and a total of 49.03 million yuan of listing incentive funds have been allocated to encourage enterprises to go public, expand the proportion of direct financing, and realize the rapid take-off of enterprises.
It is worth mentioning that in order to further enhance the confidence of financial institutions in "daring to lend". In March this year, the park issued a new version of the "Implementation Measures for the Management of the Financing Risk Compensation Fund Pool for Small, Medium and Micro Enterprises in Songshan Lake, Dongguan", which provides 100 million yuan of financial guarantee every year. By optimizing the methods and procedures of risk compensation, the policy will increase the proportion of risk compensation for first-time borrowers, and leverage more financial resources to invest in key areas and weak links such as scientific and technological innovation and small and micro inclusiveness.
In the future, the park plans to use the power of provincial guarantee companies to introduce national and provincial guarantee funds, cooperate in the launch of a series of policy-based financing products such as "angel loan" and "park guarantee", and gradually build a financing product system covering the whole life cycle of enterprises, so as to form a financing risk compensation system with more reasonable risk sharing, more diversified financing channels and more efficient risk compensation.
Share data and share risks, and "loans" for financial revitalization and innovation
Digital transformation is reshaping the financial industry in all aspects, and Songshan Lake keeps up with the pace of the times and actively builds a digital technology financial service platform. Through the data sharing mechanism, the data of revenue, tax, patents and other data of various market entities in the park are integrated, and the enterprise credit evaluation model is constructed, and a unique "self-portrait" is drawn for each enterprise. Based on this evaluation system, the park has joined hands with financial institutions to innovate and launch the "Rating Loan" credit loan financing product.
As one of the first batch of enterprises in the park to obtain the "rating loan" credit, Dongguan Dawei Industrial Technology Co., Ltd. (hereinafter referred to as "Dawei Industry") has shown a strong momentum of development in the field of high-end welding equipment.
"Cash flow is like the blood of an enterprise, and in the face of a complex and changeable market environment, our company once encountered a bottleneck in development. Through the guidance and help of Songshan Lake Science and Technology Financial Service Center, it successfully obtained a loan of 1.1 million yuan from China Construction Bank and resolved the capital crisis in the start-up period. The main person in charge of Dawei Industry said.
Today, Dawei Industry has successfully got rid of the shackles of financing pressure and entered the track of steady development. At present, Dawei Industry has reached a strategic cooperation with Huawei to jointly devote itself to the research and development of mobile phone parts, and is expected to achieve a revenue target of 30 million yuan this year.
The establishment of "rated loans" is like building a "credit bridge" between financial institutions and enterprises, and realizing the rapid interconnection between banks and enterprises. At the same time, with the help of the credit endorsement of the government platform and the support of the risk compensation policy of the park, the government and banking institutions can share data and risks, and the cooperation between banks and enterprises will be more reassuring and assured.
As of the end of March, the number of credit rating inquiries of Songshan Lake enterprises has exceeded 2,000, and the "Rated Loan" product has issued loans to 91 small, medium and micro enterprises in Songshan Lake.
Precise drip irrigation helps enterprises take off when they go public
In the first quarter of this year, the park, together with the Beijing Stock Exchange, the Shanghai Stock Exchange and financial institutions in the park, successively visited key enterprises in the park such as Keming Environment, Changxing Semiconductor and Ruihua Optoelectronics, innovatively carried out group door-to-door services, accurately solved the problems of enterprises in financing and investment, and built a development bridge between financial institutions and enterprises.
Walking into the production workshop of Changxing Semiconductor, small mechanical sounds surround you. Workers are operating sophisticated equipment near the production line, busy and orderly.
According to reports, Changxing Semiconductor will achieve revenue of about 400 million in 2023, and it is expected to achieve 50-80% growth in 2024, with large market demand and good development momentum. At present, the company's production capacity is enough to support an annual output value of 10-1.2 billion, and it plans to launch a round of financing in the second half of this year.
Huang Leyu, full-time deputy secretary of the Party Working Committee of Songshan Lake, emphasized during the visit that Songshan Lake will, as always, fully support the development of enterprises, actively coordinate and solve the difficulties and problems encountered by enterprises in the development process, provide enterprises with more high-quality and efficient services, and inject "strengthening" into the development of Songshan Lake for the majority of enterprises to take root in Songshan Lake.
At present, focusing on the "Investment Year" of the Municipal Party Committee and the "Enterprise Service Year" of Songshan Lake, Songshan Lake is continuously deepening service promotion and resource traction, and continuing to do a good job in attracting financial resources. Since the beginning of this year, the park has successfully introduced three financial institutions, including Ping An Bank, Guotai Junan Securities and Guoyuan Securities, with a newly registered fund scale of about 800 million. With the continuous optimization of the financial ecology of the park and the agglomeration and development of financial institutions, the efficiency of Songshan Lake's financial service entities is steadily improving.
Producer: Songshan Lake Financial Media Center Source: Songshan Lake Finance State-owned Assets and Financial Bureau Picture: Southern + Editor: Zheng Wenyi Reviewer: Huang Shaohong Chen Qiliang
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