Explore Intellectual Property Pledge And Other Smes Financing Innovation

High tech SMEs will receive more professional financing support.

Liu Mingkang, chairman of the China Banking Regulatory Commission (CBRC), revealed at the news conference of the new China office yesterday that the CBRC is ready to work closely with the relevant departments of the Ministry of science and technology in carrying out mechanism innovation in various fields in exploring intellectual property rights, including proprietary technology, patent and other rights and interests pledge and mortgage.

The saying goes: "interlacing is like mountain crossing".

The talents of commercial banks understand the objective laws of commercial banks' operation, and technology talents know the risks and potentials in the field of technological innovation, and combine them with each other. "

Liu Mingkang said that one of the ways of mechanism innovation is talent cooperation.

Liu Mingkang introduced the Ministry of science and technology and the Chinese Academy of Sciences to provide the list of experts to the Banking Regulatory Commission according to the industry. These experts will help banks analyze the loan demand and loan demand of high-tech SMEs in the pilot banking financial institutions, and evaluate their rationality, growth and risk. The CBRC is considering trying to pledge and mortgage intellectual property rights, including proprietary technology, patents and other rights, and improve the way to support technology-based SMEs. It supports the cooperation between the project and PE (private equity investment) and enriches the scope and quality of due diligence. In the process of supporting small and medium enterprises, it will go all out to cooperate with relevant departments and actively promote the healthy development of the guarantee mechanism and insurance mechanism of small and medium-sized enterprises.

Liu Mingkang pointed out that under the impact of the financial crisis, many SMEs felt cold.

In the face of difficulties, supporting small and medium enterprises is of more realistic significance. SMEs are the main channels to provide employment.

"Every bank must organize a specialized department to serve small and medium enterprises, so that they can serve well."

Liu Mingkang said that last year, China Merchants Bank set up a national credit service center for small and medium-sized banks in Suzhou, Jiangsu. The National Development Bank and other banks are actively applying for the establishment of a national small business financing department.

Liu Mingkang also said that the CBRC and the Ministry of Finance had made joint efforts, paying close attention to the operation mechanism of small business loans in recent years.

Recently, the Ministry of finance has issued two documents, one of which is to write off the bad debts of small business loans.

"Such measures are essential for small business services, because small businesses are generally less capable of taking risks, so the rate of bad debts is generally relatively high.

In such a situation, banks can independently write off and reorganize loans independently, so that banks and customers can go into battle lightly.

As for rural finance, Liu Mingkang said that efforts should be made to encourage rural financial institutions to import the required financial consumption tools and products to meet the growing needs of rural diversification. Through adjusting the market access policy of rural finance, more private capital can enter financial institutions to serve local communities.

At the end of last year, there were 107 rural banks, loan companies and rural mutual cooperatives, of which 91 were village banks.

"In the near future, we will be glad to see that there will be micro banking, micro insurance and micro guarantee industries in rural China, and their interactions," he said.

Liu Mingkang said, "we have 100% confidence in improving rural finance."

Data from the China Banking Regulatory Commission showed that agricultural loans increased by 20.8% over the same period last year, exceeding the average growth rate of loans nationwide.