Changjiang Daily reporter Wu Tong Chen Weidong correspondent Li Pan Liu exhibition

Wuhan technology and financial innovation to welcome new breakthroughs。Changjiang Daily reporter learned from Optics Valley Technology Financing Guarantee Company under Optical Valley Financial Holding Group on January 17 that the company's registered capital increased from 100 million yuan to 1 billion yuan。This means that through the amplification effect, the company can provide a total of 10 billion yuan of loan guarantees, so that more smes can enjoy inclusive finance。

■ Secured loans that used to take four months to complete now take 15 days

Yan Zuohui, assistant general manager of Optical Valley Financial Holding Group and chairman of Optical Valley Technology Guarantee Company, said that most small and medium-sized enterprises are asset-light, lack of collateral, and cannot reach the threshold of bank lending, and development and scientific and technological innovation are affected。

In this regard, the "4321" new government-bank-support cooperation mechanism was released。We will increase credit through the government financing guarantee system，The cooperation agreement shall be signed by the local guarantee institution, the provincial re-guarantee group, the lending financial institution and the local government，For eligible secured loans，Implement risk sharing in accordance with the ratio of "4321"，Lower the financing threshold and cost for enterprises，Help micro, small and medium-sized enterprises to obtain financing。

Recently, Kenfeng Changjiang Seed Technology Co., LTD., located in Gaonong Biological Park, applied to the bank for 6 million yuan of science and technology loan, and proposed financing guarantee needs to Optics Valley Technology Guarantee Company。Within 15 days, the money was wired into the company's account。The person in charge of the company said: "In the past, it took about 4 months to handle loans and guarantees, but now through the" 4321 "new" Kechuang loan "product, the handling process is much smoother and more efficient。”

■ To ease the financing difficulties of small, medium and micro technology enterprises, loans within 1 million yuan are exempted from guarantee premiums

Increase capital to do "insurance", stabilize market players, and continue to stimulate the momentum of enterprise innovation。Yan Zuohui said that according to the plan, 80% of the future guarantee business will be tilted to small and medium-sized enterprises in science and technology。"Against the Shenzhen guarantee standard, after the registered capital is expanded from 100 million yuan to 1 billion yuan, the total loan can be enlarged to 10 billion yuan.。”

According to reports, by resharing the risk of online batch financing guarantee projects, Optics Valley Technology Guarantee Company will further reduce the guarantee service threshold, expand the coverage of government financing guarantee business, better play the amplification effect of financing guarantee, and create a good financing environment for small and medium-sized enterprises。

"Through the establishment of the enterprise credit information system, the collection of the enterprise's credit information, business behavior, business data, etc., the establishment of the enterprise's credit information database, and on this basis, the financing guarantee.。Yan Zuohui said that this model not only has a shorter loan financing time, but also lower corporate financing costs, and only 1% of the guarantee amount is charged for a single business each year, and the guarantee amount within 1 million yuan is exempt from guarantee premiums。

■ 3 minutes for application, 1 minute for approval, and strive to serve 10,000 enterprises in three years

At present, Optics Valley Technology Guarantee Company is planning to build a technology guarantee big data platform。Zhang Wei, general manager of the company, said that this platform integrates government data, business data, financial data, etc., to carry out accurate portraits and classification ratings for enterprises, and will docking with the central bank credit database。

Based on this platform, the company will create a "310" efficient processing process: 3 minutes online application, 1 minute review, and 0 manual interference throughout the process, which will greatly improve the financing efficiency of small and medium-sized enterprises in science and technology。

Zhang Wei introduced that this year will focus on the "optical core screen end network" and the two trillion-level industrial clusters of life and health, and launch the "million chain enterprises" action。To match the needs of leading enterprises, serve the transformation of scientific and technological achievements, and support the construction of key projects as the goal, customize financing guarantee service products, focus on supporting the development of innovative small and medium-sized enterprises, and strive to serve more than 10,000 enterprises in three years。