郑州出台支持科技金融发展若干政策

Core Viewpoint - Zhengzhou Municipal Government and the People's Bank of China Henan Branch have issued policies to accelerate the development of technology finance, aiming to enhance financing for technology-based enterprises and achieve specific loan targets by 2025 and 2027 [1][8]. Group 1: Policy Objectives and Goals - The policy aims to increase the loan balance for high-tech enterprises and technology-based SMEs to exceed 250 billion yuan by the end of 2025, with loan acquisition rates of 90% for high-tech enterprises and 70% for technology-based SMEs [8]. - By the end of 2027, the loan balance is expected to surpass 300 billion yuan, with over 50% of listed companies being technology-based [8]. Group 2: Financial Institution Support - The policy encourages the establishment of specialized technology finance institutions within commercial banks in Zhengzhou, providing one-time subsidies of up to 300,000 yuan for effective technology finance service centers [10]. - Financial institutions are supported to develop exclusive products for intellectual property pledge financing, with a maximum subsidy of 2 million yuan for successful securitization of intellectual property products [3][14]. Group 3: Financial Products and Services - The policy promotes the development of diverse financial products tailored to technology-driven enterprises, including special loans for technology innovation and basic research [13]. - It encourages the exploration of "loan + external investment" and "loan + equity options" models to enhance financial support for technology enterprises [14]. Group 4: Risk Management and Support Mechanisms - The comprehensive financing guarantee fee rate for technology-based enterprises will be reduced to below 1%, and the proportion of guarantee business for technology-based enterprises will be increased [5][20]. - A risk compensation mechanism will be established for various city-level policy financial products to better support technology-based enterprises [20]. Group 5: Ecosystem Development - The policy aims to create a favorable environment for technology finance development, enhancing regional innovation capabilities and establishing a nurturing database for technology-based enterprises [19][20]. - It emphasizes the importance of a multi-layered financial market system to support the entire cycle of technology innovation and enterprise growth [16].