Located in the East Lake High tech Zone, where science and technology innovation enterprises gather, Industrial Bank Wuhan Free Trade Zone Sub branch's science and innovation vanguard shoulders the important responsibility of vigorously developing science and innovation inclusive finance. They built their own sand table model of the first loan households, actively participated in the investigation of the first loan households in the high-tech zone, completed the on-site questionnaire work of 370 first loan enterprises, and quickly docked the first loan households with credit needs, with a cumulative loan of 1.533 billion yuan, injecting a strong impetus into the development of high-tech zone science and innovation enterprises.
Recently, the first "Double Ten First Loan Pioneers" in Wuhan, jointly sponsored by the Business Management Department of Wuhan Branch of the People's Bank of China, Wuhan Local Financial Work Bureau and Changjiang Daily Newspaper Group, was announced. The Scientific Innovation Pioneers of Industrial Bank Wuhan Free Trade Zone Sub branch won the title of "Top Ten First Loan Pioneers".
Change "soft power" into "hard currency"
"I didn't expect that the 3.38 million yuan loan was transferred to the company's account in only three working days." The person in charge of Wuhan Haijili Biotechnology Co., Ltd. said that thanks to the help of Industrial Bank Wuhan Branch, the company completed the task of temporarily expanding production in August this year, ensuring the timely supply of medical materials such as nucleic acid extraction reagents to the market.
The company was able to obtain loans smoothly, and the "technology flow" evaluation system of Industrial Bank Wuhan Branch contributed a lot.
Science and innovation SMEs generally have the characteristics of "light assets, no mortgage, high risk", and are easy to be excluded from the traditional credit approval system of banks. In March this year, Industrial Bank Wuhan Branch officially launched the "technology flow" evaluation system, which solved the financing problem by conducting professional evaluation on 8 aspects and 17 dimensions of the enterprise, including production, education and research, intellectual property, senior management team, and scientific and technological qualification.
Gao Jun, the team leader, said that this new evaluation system breaks the dilemma that financial institutions only look at "capital flow" credit, identifies the "intellectual property" value of scientific and technological innovation enterprises, provides personalized financial services, and opens up the key financing bottlenecks of scientific and technological innovation enterprises. The team used the "technology flow" evaluation system when serving the scientific and technological innovation enterprises, which greatly improved the loan obtaining rate of the scientific and technological innovation enterprises.
The financial brother incarnates as the anchor of "loaning goods"
According to data, there are 828 specialized and special new enterprises at or above the provincial level in Wuhan, which are mainly distributed in three national economic development zones, including Wuhan Economic Development Zone, Wuhan East Lake New Technology Development Zone, and Wuhan Airport Economic and Technological Development Zone. Focusing on these three key areas, Industrial Bank Wuhan Branch has built a precision marketing sand table for 1100 scientific and technological enterprise customers to provide them with a comprehensive package of financial services.
Industrial Bank Wuhan Free Trade Zone Sub branch's scientific innovation vanguard has been deeply rooted in the East Lake High tech Zone, and actively participated in the investigation of the first loan households in the High tech Zone. This year, 370 first loan enterprises have completed the on-site questionnaire work, and carried out credit application, approval and business implementation for the first loan customers with credit needs.
Continuous innovation of service is the magic weapon for the team to win market opportunities. At the beginning of 2020, the epidemic came suddenly. During the closure, control and isolation period, team member Xiao Zhu initiated the online bank enterprise docking meeting inspired by the online meeting. He took the initiative to transform, incarnated as a financial anchor, answered the financial problems that enterprises concerned about when resuming work and production online, promoted the online financing products of Industrial Bank Wuhan Branch, and attracted a large number of enterprises to participate in and interact with the live broadcast room, which once attracted more than 250000 people. Many enterprises get bank credit support without leaving their homes.
After the resumption of work and production, the team members took the lead in connecting with the management departments of each park in the High tech Zone one by one, actively delivering policies and services to the door. Later, at various government enterprise bank docking meetings held in the park, they could see the figure of the team members, laying a foundation for the team to expand the first loan households in batches.
With the stabilization and improvement of the economic form, the team members have extended financial services again, and jointly provided diversified services for enterprises with accounting firms, tax departments, legal experts, etc.
"As long as the enterprise has demand, there is our team's professional services." The members of the team said that they would be responsible and dutiful to provide quality financial services for science and innovation enterprises.
