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In order to implement the 20th National Congress of the Communist Party of China、The Third Plenary Session of the 20th CPC Central Committee and the Central Economic Work Conference、Spirit of the Central Financial Work Conference，Implement innovation-driven development strategy，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" (Caijin [2024] No. 60，referred to as "Notice")。Recently，The relevant person in charge of the Ministry of Finance answered reporters’ questions regarding the “Notice”。

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　　Answer:The prosperity of science and technology will lead to the prosperity of the nation，Strong science and technology make the country strong。Party Central Committee、The State Council attaches great importance to financial support for scientific and technological innovation。Requirements of the Third Plenary Session of the 20th CPC Central Committee，Build a scientific and technological financial system that is compatible with scientific and technological innovation，Strengthen financial support for major national scientific and technological tasks and scientific and technological small and medium-sized enterprises;Actively develop science and technology finance、Green Finance、Inclusive Finance、Digital Finance、Digital Finance。Proposed at last year’s Central Financial Work Conference，We must do a good job in science and technology finance、Green Finance、Inclusive Finance、Digital Finance、Five big articles on digital finance，Use more financial resources to promote technological innovation。

Modern scientific and technological innovation takes enterprises as the main body、A comprehensive system of efficient collaboration between industry, academia and research。In various technological innovation enterprises，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。This type of enterprise generally has higher intellectual property value、Lack of sufficient collateral，Financing is difficult、Outstanding issues such as expensive financing。To this，The Ministry of Finance is conducting in-depth investigation、Repeated arguments、Fully solicit opinions、On the basis of fulfilling the approval procedures，Recently issued the "Notice" together with relevant parties，Implementation of special guarantee plan to support scientific and technological innovation，By further leveraging the system-leading role of the National Financing Guarantee Fund (referred to as the National Guarantee Fund)，Increase risk sharing and compensation for small and medium-sized enterprises in technological innovation，Leverage more financial resources to support technological innovation，To achieve high-level scientific and technological self-reliance、Accelerate the formation of new productive forces、Promote high-quality economic development and provide strong support。

　　二、How the government financing guarantee system alleviates corporate financing problems？

　　Answer:Government financing guarantee has "credit enhancement、Split insurance、Intermediary” function，Is an important policy tool to mobilize financial resources to support the development of the real economy。Many countries have established policy financing guarantee systems and financing guarantee institutions for small and micro enterprises，Strive to alleviate the fear of banks and other financial institutions to lend、Unwilling to lend、Cannot loan" and other issues。In our country，Party Central Committee、The State Council attaches great importance to the work related to financing guarantees，Use development financing guarantees as an important means and key link to alleviate the problem of difficult and expensive financing for small and micro enterprises and "agriculture, rural areas and farmers"。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"" (Guobanfa [2019] No. 6)，Make it clear that government financing guarantee institutions should 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。

According to the Party Central Committee、Decision-making and deployment of the State Council，The Ministry of Finance, together with relevant parties, continues to improve the government financing guarantee system，The national fund was established，Constructed a three-tier organizational system of "national guarantee fund-provincial re-guarantee agency-city (county) direct insurance agency"，Achieved full coverage of municipal institutions nationwide、Full coverage of county-level business。Through the intervention of the government financing guarantee system，In principle, we assume the risk responsibility of the loan in accordance with the "28-point insurance" with the bank，ie，The bank bears no less than 20% of the risk，The guarantee system shares the remaining 80% of the risk (usually the state guarantee fund shares 20%、Provincial re-guarantee agencies share 20%、City (county) direct insurance agency shares 40%)，Greatly reduces the risk losses borne by the bank，Correspondingly, the credit level of small and micro enterprises and "agriculture, rural areas and farmers" has been improved，Banks’ lending enthusiasm has increased significantly。

At work，The Ministry of Finance continues to promote the national security fund to play a leading role，Drive cooperative institutions to continue reducing fees and benefiting 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，Cumulative scale of state-guaranteed fund re-guarantee business is 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、Helping small and micro enterprises develop and grow、Play a positive role in promoting the continued recovery of the national economy。

　　三、What are the main contents of the special guarantee plan to support scientific and technological innovation？

　　Answer:Special guarantee plan to support scientific and technological innovation including overall requirements、Three parts of implementation plan and organization implementation，Among them，The implementation plan clearly stipulates the support objects of the special guarantee plan、Guaranteed amount、Guarantee rate、Guaranteed amount、Compensation limit、Compensation mechanism and other requirements，In summary，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、High intellectual property value，However, it is difficult and expensive for small and medium-sized technological innovation enterprises with less effective collateral to obtain financing。After repeated research, 7 types of support objects have been determined，Wide coverage，Large gradient span，Technology-based small and medium-sized enterprises that can declare themselves to be included in the "National Science-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 in the gradient of high-quality enterprises，To specialized and new “little giant” small and medium-sized enterprises with strong innovation capabilities，All within the scope of policy support。At the same time，The special guarantee plan focuses on connecting with existing policies，The concept of gradient cultivation，Hierarchical classification determines the risk sharing ratio of state-owned funds。

The second is to delineate the "red line" of guarantee fee standards，Reduce the comprehensive financing costs of technological innovation SMEs。Specify that the re-guarantee rate for a single guarantee amount of more than 5 million yuan in the re-guarantee business shall not be higher than 0.5%，The re-guarantee rate for a single guarantee amount of 5 million yuan and below shall not be 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%。Except loan interest and guarantee fees，Cooperating institutions are strictly prohibited from depositing money、Commitment fee、Consultation fee、Consultancy fee、Registration fee、Unreasonable fees charged in the name of data fees。

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，Providing full life cycle technological financial services to technological innovation enterprises。Enterprises receive “debt + equity” comprehensive financial services in the early stages of development，Conducive to investing more funds in scientific and technological innovation。

The fourth is to increase the risk share、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。

　　four、Excuse me, after the government financing guarantee system takes on more risks，What measures does the government take to promote its sustainable and healthy development？

　　Answer:The government financing guarantee industry has high risks、Low income，Customer groups are mainly difficult to obtain bank credit support on their own、Small and micro enterprises with weak credit and “agriculture, rural areas and farmers” entities，Insufficient risk resistance。To support the sustainable and healthy development of the government guarantee system，After repeated research, demonstration and optimization in the early stage，The Ministry of Finance has established a state-guaranteed fund risk compensation mechanism，The central government arranges budget funds every year，For the state-funded fund to perform policy functions、The gap in compensation expenses caused by maintaining low rates shall be appropriately compensated。In addition，Jiangsu、Shandong、Hubei、29 provinces including Shanxi have also established financing guarantee risk compensation mechanisms，The provincial finance budget will be allocated annually to provide risk compensation。

This time, a special guarantee plan to support technological innovation，"Addition" through the finance department，Support 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。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 realities，Increase support for government financing guarantee institutions，Give appropriate risk compensation、Reward and subsidy funds、Guarantee fee subsidy and other support，Promote the sustainable operation of government financing guarantee institutions。

　　五、What measures will the Ministry of Finance take next to promote the implementation of the "Notice"？

　　Answer:To promote the implementation of the special guarantee plan to support scientific and technological innovation，We will strengthen our finances、Currency、Science and Technology Policy Collaboration，Form policy synergy，Coordinate and cooperate from the following aspects、Coordinated efforts，Promote policies to improve 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 policy implementation and details。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，Realizing 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 list the annual business scale separately、Performance appraisal indicators such dafabet online sports betting appas compensation rate。Local financial departments combine reality with reality，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，Build a solid line of risk prevention and control。First，Reasonably determine the total scale of the re-guarantee business。Financial support for technological innovation requires banks、Insurance、Securities、Funds and other financial institutions work together，Guarantee is just one part of it。Every year the state-funded fund is combined with the needs of the situation and its own actual situation，Reasonably determine the total scale of the re-guarantee business to support technological innovation SMEs，Control the guarantee compensation risk from the source，Do your best，Act within your capabilities。Second，Strictly control the entry level of enterprises。Technological innovation small and medium-sized enterprises recognized or included in the database by relevant industry authorities，Only to enjoy policy support。Third，Consolidate the loan review responsibilities of financial institutions。Consolidate the review responsibilities of banks and government financing guarantee institutions at all levels，Requires independent selection of supported enterprises in accordance with market-oriented principles，Do a good job in “pre-loan investigation、Loan review、Post-loan inspection”，Strengthen monitoring of fund use，Prevent the risk of fund arbitrage and misappropriation。Fourth，Strengthen implementation supervision。Intensify supervision, inspection, accountability and punishment，Delineating “red lines” for business behavior。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 its cooperation qualification，And investigate the corresponding responsibilities according to law。

Source: Ministry of Finance website