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Government financing guarantee has "credit enhancement、Split insurance、Intermediary” function，Is an important policy tool to leverage financial resources to support the development of the real economy。In recent years，Party Central Committee、The State Council attaches great importance to the work related to financing guarantees，Use development financing guarantees as a way to alleviate the financing difficulties of small and micro enterprises and "agriculture, rural areas and farmers"、Important means and key links in financing expensive problems。

In order to deeply implement the innovation-driven development strategy，Better play the role of the government financing guarantee system，Leverage more financial resources to support the development of technological innovation-based small and medium-sized enterprises，Recently，The Ministry of Finance and the Ministry of Science and Technology、Ministry of Industry and Information Technology、The State Administration of Financial Supervision issued the "Notice on the Implementation of the Special Guarantee Plan to Support Scientific and Technological Innovation"。What are the highlights of the special guarantee plan to support technological innovation?How to promote the sustainable and healthy development of the government financing guarantee system?The relevant person in charge of the Ministry of Finance was interviewed by reporters。

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Small and medium-sized enterprises have strong innovation vitality，Great development potential，Is an important force in strengthening the dominant position of enterprises in innovation。But this type of enterprise lacks sufficient collateral，Often faced with financing difficulties、Problems such as expensive financing。

　2019，The General Office of the State Council issued the "Guiding Opinions on Effectively Using the Role of Government Financing Guarantee Funds to Effectively Support the Development of Small and Micro Enterprises and "Agriculture, Rural Areas and Rural Areas"，Make it clear that government financing guarantee institutions adhere to a quasi-public position，Make up for market shortcomings，Missing information、Provide credit enhancement for small and micro enterprises and “agriculture, rural areas and farmers” entities that lack credit，Strive to solve its financing difficulties、The problem of expensive or even unavailable financing。

In recent years，The Ministry of Finance, together with relevant dafabet casino mobile appparties, continues to improve the government financing guarantee system，The National Financing Guarantee Fund (hereinafter referred to as the “National Guarantee Fund”) was established，Constructed a three-tier organizational system of national guarantee fund-provincial re-guarantee agency-city (county) direct guarantee agency，Achieved full coverage of municipal institutions nationwide、Full coverage of county-level business。Introduction to the relevant person in charge of the Ministry of Finance，The Ministry of Finance continues to promote the national fund to play a leading role，Drive cooperative institutions to continue to reduce fees and benefit for the real economy，Promote “head-to-head” batch guarantee business cooperation between banks and guarantee institutions，Establish a risk compensation mechanism，Promote the sustainable and high-quality development of the government financing guarantee system。Since its establishment in 2018，The cumulative scale of state-guaranteed fund re-guarantee business reaches 4.73 trillion yuan，About 4.2 million service business entities，Service employment exceeds 40 million people，To meet the financing needs in the inclusive field、Play a positive role in helping small and micro enterprises develop and grow。

The person in charge said，Implementation of special guarantee plan to support scientific and technological innovation，Increase risk sharing and compensation for small and medium-sized enterprises in the field of technological innovation，Conducive to leveraging more financial resources to support technological innovation，To achieve high-level technological self-reliance、Accelerate the formation of new productive forces、Promote high-quality economic development and provide strong support。

　　Precision “drip irrigation” business entity，Reduce comprehensive financing costs for small and medium-sized enterprises

This special guarantee plan to support scientific and technological innovation clearly stipulates the support objects、Guarantee rate、Guarantee rate、Guaranteed amount、Compensation limit、Compensation mechanism and other requirements，To sum it up, it’s “accurate、Fees reduction、Innovation、Three improvements”。

First, focus on technological innovation and small and medium-sized enterprises，Precision “drip irrigation” business entity。Focus on solving projects with prospects、Competitive technology、There is potential for development、Technology and innovation small and medium-sized enterprises with high intellectual property value but less effective collateral have difficulty in financing、The problem of expensive financing。The confirmed 7 types of support objects cover a wide range、Large gradient span，Including technology-based small and medium-sized enterprises that can apply for inclusion in the "National Technology-based Small and Medium-sized Enterprises Information Database"、The Ministry of Industry and Information Technology cultivates innovative small and medium-sized enterprises at lower levels dafabet online betting websitein the gradient of high-quality enterprises、Specialized and new “little giant” enterprises, etc.，All within the scope of policy support。

The second is to delineate the "red line" of guarantee fee standards，Reduce the comprehensive financing costs of technological innovation SMEs。Specified re-guarantee business with a single guarantee amount of more than 5 million yuan，The re-guarantee rate is not higher than 0.5%;Single guarantee amount is 5 million yuan or less，The re-guarantee rate is not higher than 0.3%。Cooperating institutions are encouraged to target different risk levels、Business entities with different qualifications implement differentiated guarantee rates，Gradually reduce the average guarantee rate charged to small and medium-sized enterprises in the science and technology innovation category to less than 1%。

The third is innovative business linkage model，Provide full life cycle services for enterprises。Encourage qualified government financing guarantee institutions to explore the linkage model between technological innovation guarantees and equity investment institutions，Promote various financial capital and social investment。

The fourth is to increase the risk share ratio、Guaranteed amount、Compensation limit，Guide financial institutions to inject more financial vitality。By increasing the loan liability insurance ratio of the state-owned fund from 20% to no more than 40%，The upper limit of the guarantee amount for a single household is increased from 10 million yuan to 30 million yuan，The upper limit of compensation rate is increased from 4% to 5%，Effectively improve the enthusiasm of city (county) direct guarantee agencies to guarantee small and medium-sized enterprises in the science and technology innovation category，Encourage banks to invest more financial resources in the field of technological innovation。

According to introduction，To support the sustainable and healthy development of the government guarantee system，The Ministry of Finance has established a risk compensation mechanism for state-owned funds，29 provinces have also established financing guarantee risk compensation mechanisms。

“Supporting the government financing guarantee system to go into battle with ease。The funding gap caused by further risk-taking in the government financing guarantee system，The financial department will increase financial compensation。"The relevant person in charge of the Ministry of Finance said，On the one hand，New compensation for the state-funded fund to increase risk sharing for small and medium-sized enterprises in the science and technology innovation category，The central finance is calculated separately every year，Arrange funds in the state-owned capital operating budget，Grant certain risk compensation to the state-owned fund。On the other hand，Obvious results in supporting small and medium-sized enterprises in technological innovation、Governmental financing guarantee institution with greater risk compensation pressure，Encourage local financial departments to take into account local dafabet casino mobile apprealities，Increase support，Give appropriate risk compensation、Reward and subsidy funds、Guarantee fee subsidy and other support，Promote the sustainable operation of government financing guarantee institutions。

　　Strengthen coordination and linkage to form a joint force to promote policy improvement and efficiency

Relevant person in charge of the Ministry of Finance said，To promote the implementation of the special guarantee plan to support scientific and technological innovation，Will strengthen finance、Currency、Science and Technology Policy Collaboration，Form a joint effort to improve policy quality and efficiency。

First, strengthen coordination and linkage，All parties work in the same direction。Guide state-funded funds to deepen system cooperation，Optimizing the technological innovation module of the national government financing guarantee digital platform，Timely tracking of business development in various locations，Promote the implementation of policies。Local financial departments will work with relevant departments to increase policy publicity and public opinion guidance，Actively organize and carry out "government, bank and enterprise" cooperation，Promote bank and government financing guarantees、Re-guarantee institutions proactively connect small and medium-sized technological innovation enterprises with financing needs，Strive to promote the transmission of macro policies to micro entities，Realize government and market resonance at the same frequency。

The second is to strengthen performance guidance，Use the assessment "baton" well。For the state-backed fund’s technological innovation re-guarantee business，The Ministry of Finance will separately list the annual business scale、Performance appraisal indicators such as compensation rate。Local financial departments combine actual conditions，Appropriately increase government financing guarantee、Evaluation requirements for the upper limit of compensation rate for reinsurance institutions to carry out scientific and technological innovation business。At the same time，Strengthen the application of assessment results，As a related reward、Basis for implementation of support measures，Effectively motivate government financing guarantee institutions to take proactive actions。

The third is to focus on four links，Reasonably determine the total scale of the re-guarantee business、Consolidate the loan review responsibilities of financial institutions、Strengthen implementation supervision，Build a solid line of defense for risk prevention and control。Government financing guarantee、Re-guarantee institutions and their staff are found to have violated financial disciplines such as taking risk compensation funds，Recover all financial funds，Cancel their cooperation qualification，And investigate the corresponding responsibilities according to law。

Source: People’s Daily (Reporter Wang Guan)