Cheng Zhiyun Despite the Zhongguancun Science Park has become a national independent innovation demonstration zone has been more than a year, but for science and technology enterprises in the park, money hungry always go hand in hand. According to statistics, science and technology enterprises in Zhongguancun Science Park in the annual income of 10 million enterprises with more than 1,100, while access to bank loans is only about 2% of corporate financing gap of about 70 billion,
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. Reporters learned that many commercial banks have begun to covet this market. "For most commercial banks to extend credit to high-tech enterprises can be challenging. Characteristics of these enterprises is small registered capital, lack of physical assets as collateral, according to the traditional understanding of the concept of credit risk is not small. However, these companies huge potential for development, if there is a fast-growing company is similar to Microsoft or Google's business, its lending banks are also likely to get a lot of money commercial interests. "a source close to the Zhongguancun guarantee company sources said. Similar predicament technology companies and most technology companies growth story, digital TV digital video related industries are facing problems financing. "Some big banks set a higher threshold, I have to try and live a major bank in the park, the answer is 'less than 5 million loans do not come to us'." Relevant person in charge of the original recall the scene is still marvel. Fortunately, in 2003, through the efforts of enterprises to obtain a sum of 50 million loans from the Bank of Beijing. Despite the small loan amount, but that time is valuable, then the money invested enterprise to important technology and product development activities. With the 2004 digital TV conditional access system products successfully developed and to market, digital video into the explosive growth phase, operating income growth in geometric progression. In 2007, with the listing requirements of digital video completed the shareholding reform, in April 2010 successfully landed on the GEM. "In our still very young Beijing Bank has supported. For seven years, long-term accumulation of trust, but also laid a solid foundation for future cooperation." Digital video official said. However, even as digital video so lucky in the Zhongguancun Science Park, can melt into the money at a critical point in the development stage enterprises are not many. A science and technology company boss told reporters: "Our business from 2003 until now useless penny bank which is determined by our asset structure of the company's fixed assets never exceed 10% of the total assets of the enterprise, according to the bank. lending system, we simply can not get loans. "Technology pilot franchisees although technology company CEOs who complain a lot, but this year, there have been numerous pilot commercial banks to gradually enter the Zhongguancun Science and Technology Branch of the franchise, the Nuggets technology enterprises credit . October 28, Beijing Branch of Bank of Hangzhou exclusively for the SME Branch officially opened in Beijing's Zhongguancun, which is the Bank of Hangzhou in Beijing opened the fourth sub-branches. As early as March 28, 2009, the State Council approved the Zhongguancun National Innovation Demonstration Zone on the occasion, Bank of Beijing set up the first technology-based SMEs in the core area Branch of industry characteristics. According to the Beijing bank insiders, the branch located in the service SME to SME financing as its core business, special operations SME loans, guarantees, silver bearing, letters of credit and other ancillary financial services. "Since its inception only a year and a half, Zhongguancun Haidian Branch has total loans of 168, 291 pens, 1.91 billion yuan, all for loans to SMEs, including scientific and technical enterprises accounted for more than 75%, is the only technology in Haidian District SMEs business accounted for over 50% of SMEs franchise organizations. At the same time the bank was among the first students to start pilot banks, integrated circuits, software outsourcing product innovation demonstration zone in Zhongguancun, the market share of over 70 percent. "the sources said. While China Merchants Bank is relying on the Shenzhen GEM, the Zhongguancun science and technology enterprise financing thrown a "package solution." "In addition to the IPO, we can provide a full range of banking services including supply chain credit, financial management and control, corporate wealth management, cross-border trade, public offerings, private equity, personnel incentives and private banking for these technology companies." Merchants Bank sources He said. Reporters learned that, as of now, Zhongguancun Science Park has 14 commercial banks have set up branches and credit characteristics franchise for enterprise technology services in Zhongguancun, the first half of 410 companies issued loans. Pilot credit terms, the pilot bank has provided $ 4.3 billion credit line amounting to 100 companies, credit insurance and trade finance pilot, it has provided 10 to 13 companies. 500 million yuan of credit insurance and trade finance loans. Reporters learned tolerance and solid, the next step, in accordance with the requirements of the CBRC, many commercial banks under the premise of risk control, the pilot of the technology enterprises in financial services will enter deep water. A source close to the CBRC pointed out that, on the one hand, the CBRC required commercial banks to return the money it loans to technology companies must be in a bank. It must also be asked to provide accurate and effective financial information. "Banking support for science and technology is always to keep up with the speed of development of the industry, banks are not lending costs make science and technology experts as consultants, therefore, to return the money in the hands of the enterprise is the most important guarantee." The source said. On the other hand, regulators require banks to provide differentiated financial support for technology companies adhere stages. A commercial bank told reporters, venture stage companies mainly rely on equity financing. For promising enterprises, banks can also help link the venture capital fund, charge a fee, but not for themselves. To rely on the return of money paid when foundation growing liquidity of commercial banks to follow up venture capital funds and guarantee the company's shareholders on; and to maturity, commercial banks can use intellectual property as collateral and pledged to provide loan financing. At the same time, banks can also help companies find opportunities for mergers, acquisitions, and financial support. The person close to the China Banking Regulatory Commission, pointed out that the so-called support is phased repayment of principal in quarterly contracts must press start-up stage and growth stage technology companies loans, interest with this clear; the time to transition to the growing maturity by six months the repayment can also ; to maturity, you can do with intellectual property mortgage principal and interest can also once a year, so that you can achieve early exposure. A source close to the Zhongguancun Guarantee Company told reporters that the current problem to be solved is the commercial banks lending too careful,
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. "Banks speaking on science and technology enterprise risk tolerance higher than normal loans, to 2% or even higher, but in fact, be especially careful loans, estimated that even 1% can do. Banks do not want to take risks in the case, is not really helping technology companies achieve growth. "the source said. The sources close to the China Banking Regulatory Commission, told reporters, with the acceleration of the process of marketization of interest rates, commercial banks offer low-interest loans specifically Lei large eat spreads ended the era of large central enterprises. With the development of national science and technology strategy, technology companies Financial services are a new direction. Related articles:
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