Collaborative efforts to solve the financing difficulties of technology enterprises
The difficulty of financing for science and technology innovation enterprises has always been a concern. Recently, the State Administration of Financial Supervision, together with the China National Intellectual Property Administration, guided relevant banks to promote the pilot work of internal evaluation of intellectual property pledge financing, which is planned to be carried out in branches in Beijing, Suzhou, Zhejiang, Shandong, Hubei, Guangdong, Shenzhen, Sichuan and other provinces and cities. This means that previously only some banks were able to use intellectual property pledge loan financing, which is expected to be promoted in more financial institutions, covering a larger number of science and technology innovation enterprises, especially small and medium-sized enterprises.
Science and technology innovation enterprises often have the characteristics of light assets and high risk, lacking guarantee funds and collateral, which is not compatible with the traditional credit model of banks. At the same time, science and technology innovation enterprises also face problems such as large R&D investment and long technology transformation cycles in their development process. Currently, the vast majority of banks still rely on traditional credit models for their sci-tech innovation financial products, and there are situations where they are hesitant or unwilling to lend to a large number of sci-tech innovation enterprises for credit financing. In practice, financial institutions still face certain obstacles in the application of enterprise intellectual property pledge financing, and existing products are still mainly short-term, lacking medium - and long-term loan products for science and technology innovation enterprises.
The development of science and technology innovation enterprises cannot be separated from financing support, and more financial innovation products are needed to support the growth and development of enterprises.
We need to enhance the credit of science and technology innovation enterprises through various means, and overcome financing bottlenecks where enterprises lack sufficient collateral or insufficient collateral. At present, there is still a lot of work that needs to be continuously promoted in intellectual property value evaluation transactions and scientific and technological innovation data sharing. Relevant departments should better coordinate and promote various work.
We should encourage banks, research institutions, and market professional institutions to further strengthen cooperation and solve various difficulties encountered in financing for technology enterprises. Technological innovation is advancing rapidly, constantly catalyzing the emergence of new formats and enterprises. In the process of promoting technological innovation and development, there is significant room for improvement in the depth, breadth, and precision of financial services. Banks should continue to enhance their professional capabilities, build a more professional talent team, timely update their knowledge reserves in technology related services, and enhance their professional service capabilities. At the same time, starting from institutional innovation, we will innovate the traditional credit access model, use richer data to achieve precise profiling of science and technology innovation enterprises, and improve financing service capabilities.
We need to strengthen top-level design, gather and integrate resources from all aspects, improve supporting mechanisms to ensure the full life cycle and industry chain services of science and technology innovation enterprises, meet the funding needs of science and technology innovation enterprises at different stages of development, and create a more complete science and technology innovation financial service ecosystem.
This time, the State Administration of Financial Supervision and the China National Intellectual Property Administration required banks to "conduct pilot, optimize and summarize at the same time", and analyze and verify the evaluation method in combination with the actual effect of the pilot. At the same time, it is explicitly proposed to improve the internal due diligence exemption mechanism for pilot work, and to exempt the handling personnel who have fulfilled their duties in the process of handling intellectual property pledge financing business. The launch of a series of innovative measures reflects a clear regulatory orientation of strengthening financial support for technology-based enterprises. We hope that banks can achieve "point to area" through pilot work, break through financing bottlenecks for technology enterprises, promote more financial resources to be invested in the real economy and technological innovation fields, and inject strong momentum into high-quality development.
