Intellectual property pledge loan will be opened

Miaoyan reporter from the CBRC learned that recently, the CBRC and the Ministry of Science and Technology jointly issued the "Guidance on the further strengthening of credit support for science and Technology SMEs" (hereinafter referred to as "views"), "views" clear, the CBRC will gradually clarify and improve the bank's credit support for science and technology SMEs related policies,　　Will carry out patent and other intellectual property pledge loan business.　　The opinion points out that as the main carrier of technological innovation and the important driving force of economic development, SMEs in science and technology are of great strategic significance in adjusting industrial structure, accelerating industrial upgrading and independent innovation, building innovative countries and expanding domestic demand, increasing employment and promoting stable and rapid economic development. To this end, the CBRC will encourage and guide banks to set up advisory committees on scientific and technical experts, to provide scientific and technical professional consulting services, to absorb scientific and technical experts in the Audit committee, to provide professional advice for the decision-making of science and technology loan projects, to set up the risk assessment, credit due diligence and rewards and punishments system, and to properly decentralize the loan approval authority.　　and actively develop financial services products suitable for the characteristics of small and medium sized enterprises.　　In addition, the opinion stipulates that the cooperation mechanism of the science and technology departments and banking supervision departments will be perfected, and the government departments, all kinds of investment funds, banks, science and technology SMEs, guarantee companies and so on are involved in a scientific and reasonable risk sharing system, leading the banks to further increase the credit support to the science　　At the same time, the establishment and improvement of science and technology SME financing guarantee system, and gradually set up not for the purpose of profit, specialized technology guarantee companies and security agencies. The CBRC related Personage said, will integrate science and technology resources, promote the science and technology departments at all levels, the national high-tech Development zone to establish a technology-oriented SME loan risk compensation Fund, the formulation of specific subsidies or reward and incentive policies; to recommend science and technology loan projects, recommend science and technology loan projects　　To promote the construction of credit system of small and medium-sized enterprises, establish enterprise credit files and explore innovative technology insurance products. In addition, the CBRC will also select some branches of the bank to carry out the innovation experiment of Science and Technology financial cooperation model. In the east, the middle and west of the Agricultural science and technology-oriented small and medium-sized provinces, to support agricultural science and technology-oriented small and medium enterprises pilot work.