The implementation of inclusive finance has achieved results, and further efforts are needed to accompany peers through smooth communication

In the current tide of financial services for the real economy, inclusive finance is the direction frequently mentioned by many bank executives, which can also be seen in the recent intensive bank annual reports.

Under the guidance of the policy, many scientific and technological innovation enterprises located in the middle and upper reaches of the industrial chain have made steady progress. However, in the growth stage of science and technology enterprises, difficult and expensive financing is a common problem faced by enterprises. How to do a good job in precise financial services and accompany the growth of enterprises has also become the focus of the government and financial institutions.

On the occasion of the drizzle in East China, the reporter of the brokerage China walked into the scientific and technological innovation enterprises in Shanghai, had in-depth exchanges with the owners of small and medium-sized enterprises, observed the practice of financial services in the real economy from the first perspective, and understood the real needs and thoughts behind the business operation.

Voice: Steady-based, money is not the way

At present, technology empowerment has become a key investment for private enterprises to enhance their competitiveness. For the majority of small and medium-sized science and technology enterprises, due to the high high-tech content and large R&D investment funds, they often have a long growth cycle, and put forward more stringent standards for software and hardware facilities.

Judging from the long-term observation of Chinese reporters from brokerages, in the process of growth and development of most scientific and technological innovation enterprises, the difficulty and cost of initial financing are enough to "choke".

In the early days when some science and technology enterprises have established a firm foothold, angel financing is an option to help enterprises get out of the financing dilemma themselves. However, although the founders of many science and technology enterprises are "industry masters" with strong technical backgrounds, they may not be able to control the capital play in the process of enterprise operation.

"From the perspective of operators, we hope that the business operation can be more stable, and while making profits, we don't want to focus too much on telling stories to the capital market, or speculating on concepts to make money. Zhang Fan, co-founder of Shanghai Tengyou Information Technology Co., Ltd., a financial technology company founded during the new crown epidemic, told the Chinese reporter of the brokerage.

He mentioned that for high-tech enterprises, the development process is not only the pressure of funds, but also the pressure of talents, "there are too few compound talents who need to understand technology and products." Zhang Fan also admitted that in the process of development in the past few years, the entrepreneurial team has also gone through many twists and turns.

Experience: Precise service, practical and inclusive

Finance is the lifeblood of the real economy, and serving the real economy, especially private and small and micro enterprises, is the proper meaning of inclusive finance. How to help enterprises solve the dilemma of the capital chain faster, how to control risks steadily, and how to provide high-quality financial services more accurately are all practical issues facing financial institutions.

On April 12, the "Several Opinions of the State Council on Strengthening Supervision and Preventing Risks and Promoting the High-quality Development of the Capital Market" emphasized that efforts should be made to do a good job in five major articles: science and technology finance, green finance, inclusive finance, pension finance, and digital finance. Enhance the inclusiveness of new industries, new forms of business and new technologies, better serve the implementation of national strategies such as scientific and technological innovation, green development, and reform of state-owned assets and state-owned enterprises, as well as the development and growth of small and medium-sized enterprises and private enterprises, and promote the development of new productive forces.

This also puts forward higher requirements for commercial banks that take serving the real economy as their own responsibility.

"What we are more interested in now is actually more about the service, not necessarily all about the financial troubles. Zhang Fan told the brokerage China reporter that in view of the characteristics and nature of the customers it serves, most of the settlement time is relatively concentrated, and for small and medium-sized start-ups, the operating cash flow reserves are not very sufficient.

In the face of such a momentary "urgent need", the services provided by China Merchants Bank Shanghai Branch effectively solved the needs of this start-up company. In the process of the growth of Shanghai Tengyou Technology Company, China Merchants Bank provided the support of "enterprise loan", solved the problem of temporary capital turnover difficulties, and realized the financing demand of 7*24 hours.

In fact, since last year, China Merchants Bank has successively launched universal online products such as "Merchant Loan", "Rapid Loan" and "Flash Loan", as well as pure online financing solutions for small and micro enterprises such as online supply chain finance and "supermarket loan", by using external big data such as industry and commerce, taxation and justice, as well as data and information such as internal settlement transactions, and closely following flexible methods such as "remote" and "online".

Demand: multi-party joint efforts to escort

From the initial stage of entrepreneurship to the development and growth of enterprises, the strength of many parties has been gathered, and the government, banks and other institutions have played an important role in it.

A person from the inclusive finance department of China Merchants Bank Shanghai Branch pointed out to the brokerage China reporter that inclusive finance is a systematic project, and in the process of development, it is necessary to balance the relationship between inclusive and commercial principles, the relationship between risks, benefits and costs, and the relationship between asset quality and development speed.

Brokerage China reporter learned that with the new demand brought about by the growth of enterprises, the government is also actively building some public service platforms, combined with the characteristics of the industry and the needs of enterprises to layout; in terms of financial services, it is also necessary for banks, governments and industry associations to actively guide the support of financing, such as uniting various institutions to ensure the services of science and technology finance from equity, bonds, insurance and other aspects.

"On the development path, we should give full play to our ability to combine financial technology and online and offline, further improve operational efficiency, improve customer experience, and reduce internal operating costs, so as to benefit enterprises and provide comprehensive financial services with lower financing costs for inclusive small and micro enterprises. The above-mentioned China Merchants Bank Shanghai Branch said.

It is understood that since 2024, China Merchants Bank Shanghai Branch has invested 17 billion yuan, a year-on-year increase of 21%.

Expectation: smooth communication, accompany peers

It should be noted that in the view of some small and medium-sized enterprise managers, there is actually a lack of guidance and guidance channels for the implementation of policies, as well as the popularization of content interpretation.

A science and technology business owner said frankly: "In recent years, the policies have been favorable, because the country really hopes that small and medium-sized enterprises like us can be supported." However, from scratch to the development of an enterprise, how to contact various departments and institutions, in fact, needs some good guidance and suggestions. ”

"For me, the introduction of support policies, what specific preferential assistance can be obtained, which is what we are most concerned about as business owners. Zhang Fan also mentioned that the reliable channel for the first time to learn about the authoritative policy, the authoritative interpretation of the policy, and whether he can meet the conditions to apply for assistance and preferential treatment, this is the "pimple" in the hearts of many enterprise managers like him.

For some start-up teams, although shareholders with venture capital backgrounds may be able to assist in arranging the funds needed for early development, it is not easy to find the way to apply for national assistance policies in the future.

Brokerage China reporters also learned during the visit that there are many intermediaries with marketing attributes on the market, which will ask for all kinds of materials from start-ups under the banner of applying for preferential policies for enterprises. Many small business owners pay for the experience, only to find that the content recommended by the intermediary is not in line with the current appropriate policy.

Compared with the intermediary institutions whose main purpose is profit, Zhang Fan's own personal experience is that the staff from the industrial park and China Merchants Bank have a more solid understanding of preferential policies such as subsidies.

Editor-in-charge: Gui Yanmin

Proofreader: Yao Yuan