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为贯彻落实国家关于金融支持科技创新的相关政策,抓住国民经济转型中高新技术行业快速发展的机遇,优化银行资产业务结构、拓展新的利润增长点,针对科技型企业轻资产、缺乏有效抵押物、拥有自主知识产权、高速成长等特点,创新研发科技企业发展贷款产品,从借款主体、贷款用途、担保方式等方面进行了创新,并通过设置差别化的评级、负债率、所有者权益等借款人设置条件,设置差别化的质押率和风险敞口覆盖金额,明确评估机构准入标准和质押股份估值方法等,有效防控风险,促进业务健康发展。
In order to implement the relevant national policies on financial support for technological innovation and seize the opportunity of rapid development of hi-tech industries in the process of national economic restructuring, optimize the business structure of bank assets and expand new profit growth points, and lack effective pledges for light assets of science and technology enterprises Innovation, R & D of science and technology enterprises to develop loan products, innovations have been made from the aspects of borrowers, loans, guarantee methods and other aspects. By setting differentiated ratings, debt ratio, owners’ equity, etc. Borrowers should set conditions, set up differentiated pledge rates and coverage of risk exposures, clearly assess institutional access standards and pledged valuation methods, effectively prevent and control risks and promote the healthy development of their businesses.