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破解科创企业融资难,松山湖再出“组合拳”
Sou Hu Cai Jing· 2025-09-18 12:12
9月17日,东莞松山湖科技金融集聚区系列活动之第二期政策性融资产品发布大会举行,正式推出"天使贷"与"园区保"两项创新金融产品,同步揭牌"缺口 介入机制"工作服务站,发布《"股贷担保租"联动服务队实施细则》,并启动东莞金融"五篇大文章"宣传平台,加快构建一个"金融生态圈"。此举标志着 松山湖在构建科技金融全生命周期服务体系方面迈出关键一步。 新增两款金融产品 覆盖全生命周期融资需求 本次活动发布的第二期政策性融资产品"天使贷" 与 "园区保",为科技型企业提供了更加精准化、全周期的金融支持体系。其中,"天使贷"最高100万元的 额度,针对早期科技企业特点,专门设计用于支持种子期和初创期企业,解决其首贷难题;而"园区保"最高1000万元的贷款额度,则着眼于成长期和成熟 期企业,通过构建多方风险分担机制,为企业规模化发展提供强劲动力。 "针对科技型企业轻资产、高创新但融资难的特点,我们在首期'评级贷'产品基础上,进一步优化推出第二期产品,实现企业全生命周期融资需求覆 盖。"松山湖科技金融服务中心相关人员介绍。 此次活动得到多个省市单位支持,旨在通过政府与市场协同发力,引导金融资源更精准、更早期地注入科技创新领域。 ...
破解科创企业融资难,东莞松山湖再出“组合拳”
Sou Hu Cai Jing· 2025-09-18 09:30
9月17日,东莞松山湖科技金融集聚区系列活动之第二期政策性融资产品发布大会,正式推出"天使贷"与"园区保"两项创新金融产品,同步揭牌"缺口介入机 制"工作服务站,发布《"股贷担保租"联动服务队实施细则》,并启动东莞金融"五篇大文章"宣传平台。此举标志着松山湖在构建科技金融全生命周期服务 体系方面迈出关键一步。 本次活动由松山湖高新区管委会、中国人民银行东莞市分行、东莞市委金融委员会办公室、东莞市科学技术局、广东粤财融资担保集团有限公司联合指导, 松山湖财政国资金融局主办,松山湖科技金融服务中心承办,旨在通过政府与市场协同发力,引导金融资源更精准、更早期地注入科技创新领域。 科技金融产品进阶之路再出"新招" 据悉,第一期政策性融资产品"评级贷"已取得显著成效——在"评级贷"产品推行11个月期间,该产品与松山湖多家银行展开深度合作,累计服务企业174 家、完成放款301笔,放款额近2亿元,累计授信4.2亿元,成功撬动授信规模11亿元,切实为一批科创企业缓解了资金压力。 值得关注的是,此次建立的"缺口介入机制"工作服务站将深入产业园区,主动识别企业在不同发展阶段的融资需求。该机制将依托松山湖"1+4+1+X"产业体 ...
“贷”动科创 “权”释未来
Xin Hua Ri Bao· 2025-09-14 21:15
Core Viewpoint - The implementation of the "loan + equity option" model by Jiangsu rural commercial banks is enhancing financial support for technology-driven enterprises, facilitating their growth and innovation [1][2][8]. Group 1: Policy and Financial Innovations - The "loan + equity option" model is a breakthrough for Jiangsu rural commercial banks, allowing them to provide comprehensive financial support throughout the lifecycle of technology enterprises [1][2]. - As of the end of August, nine rural commercial banks in Jiangsu have signed 17 "loan + equity option" agreements, with seven banks completing 13 standardized filings at the Jiangsu Equity Exchange Center, accounting for 65% of the total filings during the same period [1][2]. Group 2: Case Studies of Successful Implementation - Suzhou Rural Commercial Bank executed the first "loan + equity option" agreement in Jiangsu, providing a credit loan of 4 million yuan to a company under the Chinese Academy of Sciences, along with an equity option to purchase 2 million yuan worth of shares [3]. - Reed (Suzhou) Electronic Technology Co., Ltd. utilized the "loan + equity option" model to secure 500,000 yuan in equity rights, which facilitated their external financing and share buyback, allowing the bank to exit the investment [3][4]. - Leming Pharmaceutical (Suzhou) Co., Ltd. received 200,000 yuan in "talent loans" and secured an equity option for 500,000 yuan, which helped them bridge the funding gap during their product development phase [5][6]. Group 3: Broader Industry Impact - The "loan + equity option" model is not only aiding individual companies but also driving innovation in the financial services sector, allowing banks to transition from mere fund providers to comprehensive service providers for enterprises [9][10]. - Jiangsu rural commercial banks are actively building networks with venture capital (VC), private equity (PE), and other financial institutions to enhance their service offerings and project selection capabilities [10][11].
江苏江阴:金融活水润泽中小企业茁壮成长
Zhong Guo Jin Rong Xin Xi Wang· 2025-08-13 11:56
Group 1 - Jiangyin Luyuan Electric Technology Co., Ltd. received an order for 20,000 harmonic filters worth 8 million yuan, requiring timely procurement of raw materials and production startup [1] - Jiangyin's financial institutions have established a multi-party collaboration to address the financing difficulties faced by small and medium-sized enterprises (SMEs), creating a comprehensive financing service mechanism [1] - The "Angel Loan" product was launched to support early-stage technology companies by allowing investment institutions to invest first, followed by bank loans, focusing on innovation capability and market recognition rather than traditional financial metrics [1] Group 2 - Jiangyin's financial institutions utilize the "Suzhi Loan" product to offer intellectual property pledge loans, converting "soft assets" into "hard currency" for growing enterprises [2] - Jiangyin Bank provided a 10 million yuan loan to Jiangsu Haixi Meiy Electronic Technology Co., Ltd. through patent pledges, emphasizing the importance of patents in supporting R&D efforts [2] - Jiangyin encourages financial institutions to broaden the range of pledgeable assets, including trademarks, copyrights, and data, to assist companies in overcoming financial challenges [2] Group 3 - Jiangyin High-tech Zone has implemented targeted financing support policies for expansion-stage enterprises, focusing on key industries such as integrated circuits and biomedicine [2] - A 300 million yuan project loan was provided to Jiangsu Xingan Technology Co., Ltd. by China Everbright Bank, with a two-year grace period for repayment, facilitating the company's growth [2][3] - Jiangyin has established a closed-loop mechanism involving government, banks, and enterprises to optimize financial resource allocation, organizing various events to connect financial institutions with SMEs [3] Group 4 - Jiangyin has developed a financing coordination work mechanism to support SMEs, resulting in over 95,000 enterprise visits and more than 750 billion yuan in cumulative credit [3] - The first loan rate for SMEs in Jiangyin has reached 1%, indicating a successful outreach and support strategy [3] - Financial advisors from banks have been assigned to local government agencies to enhance the connection between financial resources and the real economy [3]
华为支持的这个“村”,在做些啥
Jin Rong Shi Bao· 2025-06-27 02:51
Group 1 - The integration of digital technology and the real economy is crucial for building a modern industrial system, with talent being a fundamental driver of industrial innovation and development [1] - Dongguan, known as the "world's factory," is projected to see a 6.9% year-on-year growth in industrial added value in 2024, with advanced manufacturing and high-tech manufacturing growing by 11.1% and 12.7% respectively [1] - The Songshan Lake Developer Village aims to support the digital transformation of Dongguan's manufacturing industry through collaboration and innovation among developers [2][3] Group 2 - The Songshan Lake Developer Village, established in partnership with Huawei Cloud, serves as a hub for developers to create applications and solutions for local enterprises [2] - The Developer Village has attracted 29 companies, including CSDN and local enterprise Tailin, enhancing its collaborative ecosystem [3] - The village plans to provide comprehensive lifecycle services to at least 150 local enterprises over the next three years [4] Group 3 - Financial support is being provided to developers in the village through various subsidies, including credit loan interest subsidies and patent pledge loan subsidies, to foster a thriving developer ecosystem [5] - The establishment of the Dongguan Songshan Lake Technology Finance Gathering Area aims to enhance the financial ecosystem, offering policy financing products to support enterprise development [6] Group 4 - The Huawei Cloud Songshan Lake Developer Innovation Center is focused on helping developers expand globally by leveraging Huawei's global service capabilities [7] - The company "Today Talent," established in the Developer Village, has successfully implemented its AI digital assistants in Shenzhen, covering various government departments [7][8] - "Today Talent" is preparing to expand its services to overseas markets, focusing on customer service and digital product introductions [8]
基金数量规模东莞居首 松山湖科技金融集聚区年底开园
Nan Fang Du Shi Bao· 2025-05-22 23:07
Core Viewpoint - Dongguan's Songshan Lake is transforming into a "Technology Finance Gathering Area," with the goal of becoming a new highland for technology finance in the Guangdong-Hong Kong-Macao Greater Bay Area, driven by a robust ecosystem of financial services and innovative policies [3][5][18]. Group 1: Development Overview - Songshan Lake has developed into a vibrant hub for technology and finance, with over 220 financial service institutions and funds established in the area, leading the city in both quantity and scale [3][7]. - The area is set to officially open by the end of this year, with strategic partnerships already formed with 14 leading institutions [4][5]. - The region aims to create a comprehensive financial service system that covers the entire lifecycle of technological innovation [5][6]. Group 2: Strategic Rationale - The establishment of the technology finance gathering area aligns with national and provincial policies aimed at promoting technology finance as a key driver for urban transformation [5][6]. - Songshan Lake is home to significant technological assets, including advanced facilities and numerous high-tech enterprises, which necessitate a robust financial support system [6][7]. - The region's modern industrial system includes strategic emerging industries that require substantial financial investment and support [6][8]. Group 3: Capital Accumulation - As of now, Songshan Lake has attracted 220 financial institutions, including 20 banks and 9 securities companies, with a total investment commitment of 962 billion yuan, accounting for 75% of the city's total [7][8]. - The area has seen the establishment of various financial policies and products to support enterprise development, including risk compensation funds and innovative financing products [9][10]. Group 4: Service Innovation - The financial needs of enterprises vary across different stages of development, necessitating a comprehensive support system that includes venture capital and policy subsidies [11][12]. - Songshan Lake is developing a "growth ladder" for technology enterprises, focusing on creating a supportive financial ecosystem that fosters innovation and growth [12][13]. Group 5: Policy Framework - The region is actively revising policies to enhance financial support for technology innovation, aiming to create a competitive environment for financial institutions [17][18]. - Plans include establishing a 10 billion yuan angel investment fund and various other funds to stimulate investment in technology-driven enterprises [12][18].
科技金融“风口”已至,银行如何抢占C位?
Nan Fang Du Shi Bao· 2025-05-20 01:16
Core Viewpoint - The establishment of the Dongguan Songshan Lake Technology Financial Cluster is set to create a new high ground for technology finance in the Guangdong-Hong Kong-Macao Greater Bay Area, attracting significant investment and financial services to support local high-tech enterprises [2][5][21]. Financial Institutions and Services - Over 220 financial service institutions, including 20 banks, have established a presence in the Songshan Lake area, with major state-owned banks like ICBC, ABC, CCB, and BOC each operating three branches [2][6]. - The Songshan Lake area is actively developing innovative financial products and services tailored to the needs of technology enterprises, such as "Angel Loans" and "Park Insurance" to enhance financing accessibility [5][21]. Talent and Innovation Support - The establishment of the first "Songshan Lake Talent Bank Comprehensive Financial Ecosystem Construction Financial Advisory Studio" aims to provide integrated financial services to high-level talents and enterprises in the area [8][9]. - The talent pool in Songshan Lake has surpassed 240,000, with 770 national high-tech enterprises, indicating a strong demand for diverse financial services [9]. Dynamic Balance of Risk and Return - Financial institutions in the area are focusing on finding a dynamic balance between risk and return by developing service systems that align with the needs of technology enterprises [5][13]. - Different stages of enterprise development require tailored financial solutions, from angel investments for startups to debt financing for mature companies [13][21]. Policy Support and Financial Innovation - The local government has introduced a risk compensation policy with an annual fund of 100 million yuan to encourage banks to lend to small and medium-sized enterprises [21][22]. - The Songshan Lake area is drafting competitive policies for technology financial clusters to attract more financial resources and support innovation [22][25]. Market Opportunities and Growth - The Songshan Lake Technology Financial Cluster is expected to enhance banks' market presence and customer base by providing customized financial solutions to high-quality technology enterprises [25][26]. - The establishment of the cluster is anticipated to drive the upgrade of the technology financial system, meeting the diverse financial needs of technology enterprises and contributing to the development of a modern industrial system in the region [26].
松山湖科技金融进化论
Nan Fang Du Shi Bao· 2025-05-19 03:10
Core Insights - Dongguan's Songshan Lake Technology Financial Cluster is being developed as a new highland for technology finance in the Guangdong-Hong Kong-Macao Greater Bay Area, with a focus on integrating policy, capital, and industry resources to support high-quality development [2][5][8]. Group 1: Development and Structure - The Songshan Lake Technology Financial Cluster officially started construction in March 2023, with a planned area of 5,200 acres, including a 750-acre initial zone [6][8]. - The cluster aims to create a comprehensive financial service system covering the entire lifecycle of technological innovation, with a focus on policy innovation, institutional aggregation, and product innovation [8][33]. Group 2: Financial Ecosystem - Over 220 financial service institutions and funds have already settled in the park, with the number and scale of funds leading the city [15][21]. - The cluster has attracted significant capital, with 184 registered funds totaling an investment scale of 96.2 billion yuan, accounting for 75% of the city's total [15][21]. Group 3: Strategic Importance - The establishment of the cluster aligns with national and provincial policies aimed at promoting technology finance as a key driver for innovation and industrial upgrading [8][9][35]. - Songshan Lake is positioned as a core engine for Dongguan's high-quality development, housing 770 national high-tech enterprises and major industry leaders [9][11]. Group 4: Policy and Innovation - The cluster is set to implement various supportive policies, including a 1 billion yuan risk compensation fund for small and micro enterprises, aimed at enhancing financing accessibility [17][31]. - A series of innovative financial products and services are being introduced to support startups and growing enterprises, including angel loans and batch guarantees [17][21]. Group 5: Collaborative Financial Services - The cluster promotes a multi-dimensional financial ecosystem where banks, venture capital, and other financial institutions collaborate to provide comprehensive services to enterprises [26][28]. - Initiatives like the "stock-loan-guarantee" service teams have been established to enhance financing efficiency and meet diverse funding needs across different business stages [26][28].