为科创金融改革保驾护航 浙江嘉兴市出台《科创金融促进条例》

Core Viewpoint - The implementation of the "Jiaxing City Science and Technology Innovation Financial Promotion Regulations" marks a significant step in addressing the financing challenges faced by science and technology enterprises, establishing a comprehensive financial service system for innovation [1][2]. Legislative Background: Reform Experiment Drives Legal Assurance - Jiaxing's legislative practice in science and technology finance is rooted in national strategic responsibilities, being included in the Yangtze River Delta's financial reform pilot zone [2]. - The regulations were developed through extensive public consultation, including over 20 discussion sessions to gather insights, resulting in a law that reflects both reform and local characteristics [2]. Core Framework: Three-Dimensional Efforts to Break Financing Bottlenecks - The regulations establish a financial service system through three key strategies that align with enterprise needs [3]. Strengthening Government Guidance: Building a Policy Support System - The regulations mandate local governments to incorporate science and technology finance into development plans and establish cross-departmental collaboration mechanisms [4]. - A fund system covering the entire lifecycle of enterprises is created, including a provincial and municipal cooperative science and technology mother fund of 5 billion, accounting for 45.5% of the provincial total [4]. Optimizing Financial Supply: Activating Market Entity Vitality - The regulations support the establishment of specialized branches in banks and departments in insurance institutions to better serve science and technology enterprises [5]. - Over 120 exclusive financial products have been developed, including "data asset loans" with a maximum credit of 30 million based on data resource ownership [5]. Improving Guarantee Mechanisms: Bridging the "Last Mile" of Service - Innovative systems have been introduced, such as a compliance exemption mechanism for venture capital investments and a digital application system for financial services [6]. - A service center for science and technology finance in the Yangtze River Delta has been established, providing listing planning services to 235 enterprises since 2024 [6]. Innovative Highlights: Demonstrating Jiaxing's Unique Institutional Breakthroughs - The regulations establish a collaborative model of "finance + credit + funds + insurance," with loan interest subsidies up to 40% and insurance premium subsidies up to 90% [7]. - A financial commissioner system is implemented to ensure service quality through annual evaluations across ten dimensions [7]. Implementation Results: Financial Support Empowering Innovation Development - As of now, the loan balance for science and technology enterprises in Jiaxing has reached 342.137 billion, with national high-tech enterprises accounting for 15.59% [8]. - A total of 1,188 instances of private equity investment exceeding 126.866 billion have been recorded, demonstrating the regulations' effectiveness in optimizing financial supply [8]. Legislative Significance: Legal Framework Leading to Innovation Ecosystem Upgrade - The introduction of these regulations is a key practice in fulfilling the central government's requirements for enhancing technology finance [9]. - The regulations provide a stable financial environment for local science and technology enterprises and serve as a model for national innovation in the financial sector [9].