Henan Branch of CCB serves the development of science and technology enterprises with new financial measures.

High-tech enterprises and technological innovation backbone enterprises with hard scientific and technological attributes are one of the keys to improve the modernization level of China's industrial chain and realize the complementarity of industrial chains.

From the enterprise itself, technological innovation enterprises have obvious characteristics such as high cost and long cycle. From scientific and technological research and development to the transformation and application of achievements, and then to market development, each stage needs a lot of financial support to generate benefits and return on investment. On the premise of effectively grasping the risks, how to provide financial support for more scientific and technological enterprises, give full play to the role of financial support, and provide stronger motivation for scientific and technological innovative enterprises has become a new starting point for the banking industry to practice new development concepts and promote high-quality development.

In recent years, Henan Branch of China Construction Bank has been exploring new financial support modes for technological innovative enterprises, focusing on different stages of the development of technological innovative enterprises, building a dedicated service system, striving to meet the financial service needs of enterprises throughout their life cycle, and providing financial kinetic energy for the upward growth of technological innovative enterprises.

Anchoring pain points and docking enterprise demand points

"At present, we have a national enterprise technology center, a national and local joint engineering laboratory for metabolic control and fermentation technology, and an industrial test base, with an annual investment of more than 20 million yuan in R&D.. Among them, the support of CCB is indispensable. In the past ten years, CCB has provided strong financial support for our boiler technical transformation project. " The person in charge of Julong Bio told Yue Bangkui, vice president of Henan Branch of CCB, and his party.

Docking with scientific and technological innovation enterprises is the first step of financial support for the development of enterprises. In the promotion activity of "President Enters All Enterprises" in the whole province, Vice President Yue Bangkui of CCB Henan Branch and his party visited Henan Julong Bio-engineering Co., Ltd., Henan Kelon New Energy Co., Ltd. and other scientific and technological innovative enterprises successively, based on the needs of enterprises, to help enterprises solve various problems, and to provide accurate and customized financial service solutions for enterprises while interpreting CCB's policy of reducing fees and making profits.

"In addition to long-term growth, we have recently learned more about the industrial chain, business cycle, financing needs and other information through activities such as' the president enters the enterprise', and the' financial services specialist' provides customized financial services for enterprises." During the interview, CCB staff introduced.

It is understood that in order to deeply understand the difficulties of enterprises, CCB Henan Branch has sorted out nearly 2,000 scientific and technological innovation enterprises and high-tech enterprises in the province, decomposed them into various units within its jurisdiction, implemented the list system and list system management, and conducted visits and docking from door to door in different levels and categories to deeply understand customer demands and provide enterprises with solutions to problems.

Diversion and canal restoration to improve financing availability

Technological innovation enterprises have high growth cost, long cycle and high risk, and each stage needs a lot of financial support. However, light assets and no collateral make it difficult for such enterprises to obtain loan support.

In order to help enterprises solve financing problems, CCB Henan Branch decisively broke the dependence of financial institutions on mortgage and guarantee, and comprehensively popularized and applied the head office's scientific and technological evaluation system. Look at "patent" instead of "brick", accurately describe the dimensions of existing patent application, R&D investment and R&D personnel of enterprises, take the results of "scientific and technological innovation evaluation" as an important basis to increase credit, and establish an exclusive "fast track" for scientific and technological enterprises. The new evaluation system will transform the knowledge of enterprises into the capital of sustainable development, open the last mile of the financial flow of science and technology enterprises, and improve the availability of enterprise financing.

For small and micro enterprises, a series of services such as cloud tax loan, cloud electricity loan, salary cloud loan and technology cloud loan were launched to provide enterprises with unsecured and unsecured full-process online financing services. For medium-sized enterprises, products such as technology conversion loans secured by intellectual property rights have been launched. For large enterprises, on the basis of providing traditional financing means, relying on online banking service platform, taking online supply chain business as the starting point, integrating enterprise information flow, logistics and capital flow, and cooperating with core enterprises to provide online financing services for upstream and downstream customers of core enterprises. Open up the "last mile" of financial "living water" flowing to technology enterprises, and effectively improve the availability of corporate financing.

Among them, the exclusive credit "science and technology supporting agriculture loan" tailored by CCB Henan Branch for science and technology enterprises has won unanimous praise from enterprises. With the help of CCB's unique evaluation system of scientific and technological innovation ability, the scientific and technological innovation ability of enterprises is evaluated online, one-click and in real time, and the scientific and technological innovation ability of enterprises is transformed into the ability of financing and credit granting.

Inventory management guards the whole development cycle.

In view of the characteristics of high-tech industry, such as high technology content, high talent quality, strong innovation ability and fast growth, CCB Henan Branch has customized targeted product packages and life-cycle product service lists around the financial needs of scientific and technological innovative enterprises at all stages of their life cycle, forming a financial service chain covering the growth cycle of enterprises.

For seed-stage and start-up enterprises, CCB Henan Branch actively expands platform resources, and deeply participates in the growth and development of high-quality technology enterprises by cooperating with subsidiaries of CCB Group or other non-bank financial institutions and using innovative business models such as investment and loan linkage; For science and technology enterprises in the growth period, while meeting the basic credit demand, we should provide financial consulting services such as financial analysis, industry analysis, policy consultation, tax planning, risk management and asset-liability management to help enterprises improve their internal management, accelerate their maturity and fully support their development and growth.

By the end of March, 2022, CCB Henan Branch had provided credit support 1 696,5438+0.2 billion yuan for science and technology innovative enterprises, an increase of 1 965,438+0.9 billion yuan compared with the beginning of the year. In the future, we will continue to increase our support for scientific and technological innovative enterprises and high-tech enterprises, customize targeted product packages and life-cycle product service lists around the financial needs of scientific and technological innovative enterprises at all stages of their life cycle, form a service chain covering the growth cycle of enterprises, continue to provide customized products and services for scientific and technological innovative enterprises, actively create conditions, and support their multi-dimensional and three-dimensional development through innovation. (Contributed by Li Jiazhidan of CCB Henan Branch)