Nanhu District builds a platform of “Science, Finance and Insurance” to solve the financing problems of science and technology enterprises, and opens a channel of common prosperity. Nanhu District accelerates the digital reform, iterates the previous “science and technology integral loan”, and establishes three application scenarios of “science and technology loan”, “science and technology insurance” and “science and technology venture capital” by exploring the linkage mechanism of “loan, insurance and investment”, and innovatively builds a digital application platform of “Science and Technology Insurance” in technology and finance, effectively cracking down on science and technology enterprises. First, the “science and technology points” accurately increase credit. The evaluation system of innovation ability of science and technology enterprises is established, and 15 specific evaluation indexes are set up in three categories: science and technology innovation, growth management and auxiliary, so as to comprehensively evaluate science and technology enterprises and automatically calculate the science and technology integral value of science and technology enterprises. According to the science and technology integral value of the intended financing enterprise, the bank will give a pure credit “science and technology loan” of 3-10 million yuan, and the government will give a discount subsidy of 1% of the loan amount after review. Up to now, seven financial institutions, including Jiaxing Bank, Bank of Ningbo, and Rural Commercial Bank, have been promoted and used, and 406 technology entrepreneurs have been granted credit, with a total credit of 4.198 billion yuan, and 256 have loan balances with a loan balance of 2.404 billion yuan. Received praise reports from CCTV news channel “News Live Room” and Jiaxing News. The second is “technology insurance” to avoid innovation risks. Promote “science and technology guarantee” for small and medium-sized science and technology enterprises in the initial stage and growth stage. After collecting the demand of science and technology insurance of enterprises and the information of science and technology insurance products of insurance companies, 13 types of science and technology insurance types, such as patent execution, research and development interruption and loss of scientific and technological achievements transformation, were initially determined, so as to guide science and technology enterprises to disperse and resolve the risks of innovation and entrepreneurship by purchasing science and technology insurance. At the same time, the completed projects are included in the science and technology insurance premium subsidy project library, and the government will give insurance subsidies according to 90% and 60% of the insured amount. At present, more than 200 enterprises have been included in the science and technology insurance subsidy, and it is planned to achieve full coverage of incubators (creative spaces) at or above the municipal level by the end of 2023. Third, the “Science and Technology Fund” accelerated the results. Science and technology enterprises with financing needs will release their projects to the “Science and Technology Venture Capital” investment and financing platform, which will be included in the science and technology enterprise financing project library after review. Through regular project review, the selected high-quality science and technology projects will be sent to relevant fund companies in a targeted manner, so as to build an investment and financing supply and demand platform for both parties, promote the seamless connection between capital and projects, and realize the rapid transformation of scientific and technological achievements. At present, eight financing projects (enterprises) have reached initial intentions with venture capital institutions through the platform, involving a financing amount of 525 million yuan. In the next step, Nanhu District Government will also set up a 100-million-scale angel fund for science and technology venture capital, and increase support for initial science and technology enterprises.
(Source: Nanhu District Science and Technology Bureau)