To promote the high quality of financial institutions, we should not only focus on the "face" of quantity and performance, but also on the "core" of quality and risk.
On September 15, at the series of news conferences themed "Ten Years of Banking and Insurance Industry" held by the CBRC, the three local CBRC bureaus talked about their experiences in financial support for scientific and technological innovation, green development and other aspects.
Shanghai: Assisting 72 Shanghai science and technology enterprises to land on the science and technology innovation board
New areas of the Shanghai Free Trade Zone were added, a science and technology innovation board was set up and a pilot registration system was established to support the integrated development of the Yangtze River Delta and become a national strategy. These are the three major tasks assigned to Shanghai by state leaders during the first Expo. Now, Shanghai Banking and Insurance Regulatory Bureau has made new achievements and progress in assisting the three major strategies.
Taking focusing on science and innovation finance as an example, Wang Junshou, director of Shanghai Banking and Insurance Regulatory Bureau, said that bancassurance institutions mainly promote the effective and seamless connection between indirect financing and direct financing. The Shanghai Banking and Insurance Regulatory Bureau has guided bancassurance institutions to do a good job in financial services for technology-based enterprises, specialized new enterprises and small giant enterprises by formulating differentiated business strategies, establishing exclusive organizations, cultivating professional talents, improving professional capabilities, promoting financial service innovation, and strengthening cooperation with local governments.
Up to now, the loan balance of scientific and technological enterprises within the jurisdiction of Shanghai has exceeded 650 billion yuan. The banking and insurance industry of Shanghai has helped 72 scientific and technological enterprises in Shanghai to land on the Science and Technology Innovation Board, realizing the successful connection between direct financing and indirect financing. We have guided insurance institutions in Shanghai to continue to steadily promote loan performance guarantee insurance such as "science and technology loan" and "micro loan" for technology-based small and medium-sized enterprises, and have served 3500 technology-based small and medium-sized enterprises, with the amount of supported loans exceeding 13 billion yuan.
Hubei: Create a full life cycle service model for scientific and technological enterprises
An enterprise specializing in the research and development of precise targeted tumor therapy, located in Wuhan East Lake Optics Valley, was short of traditional mortgages and pledges at the beginning of its establishment, which made it difficult to finance. Since the incubation period, Hankou Bank in Hubei Province has provided enterprises with full cycle companion services in the past ten years, supporting them to overcome the worldwide problems of blood tumors.
"At different stages of the life cycle of technology-based enterprises, the demand for finance is different. In response to this situation, we have made efforts to create a full life cycle service model for technology-based enterprises." Liu student, director of Hubei Banking and Insurance Regulatory Bureau, said.
Science and technology finance is becoming an important highlight of financial innovation in Hubei Province. Up to now, Wuhan East Lake High tech Zone has set up 19 science and technology bank branches, 51 science and technology insurance franchise institutions and service institutions, and the agglomeration effect of science and technology bank insurance institutions is obvious.
According to Liu, over the past decade, Hubei's banking and insurance industry has continuously increased its efforts to promote science and technology finance. It has been approved as a number of state-level pilot zones and demonstration zones, striving to build a "East Lake model" of science and technology finance. By the end of June 2022, the loan balance of scientific and technological enterprises in the province will be 385 billion yuan, of which the loan to scientific and technological enterprises in Optical Valley High tech Zone accounts for nearly one third. In the past ten years, the provincial science and technology insurance has provided about 300 billion yuan of risk protection for nearly 4000 science and technology enterprises.
In the practice of science and technology finance, Hubei continued to focus on customers' financial needs to make financial products more effective.
Liu student said, "Carry forward the spirit of 'waitress', which is' always responding to calls', and deeply promote the supply side structural reform of science and technology finance."
Specifically, first, focus on product research and development, guide banks and insurance institutions to develop financial products close to the needs of science and technology enterprises, and launch credit products such as "science and technology insurance loans" and "high-tech loans"; Continue to deepen the pilot insurance products such as the first set and new material insurance, and form a multi-level and wide coverage science and technology financial product system; Second, focus on optimizing the credit method, and continue to optimize the financing mode and efficiency of intellectual property pledge in view of the characteristics of scientific and technological innovation enterprises of "light assets, heavy intellectual property". At the end of June this year, the balance and number of financing households of intellectual property pledge in Hubei Province ranked first in the middle and sixth in the country; The third is to focus on information docking, carry out the "spring breeze action of specialized and special new enterprises", implement the "host bank" system, and the credit coverage of national "specialized and special new" enterprises in Hubei Province has exceeded 80%.
Yunnan: Asian elephants went north and returned south, and insurance companies paid 7.17 million yuan in compensation
Yunnan is one of the provinces with the largest number of natural lakes in China. There are 37 lakes with an area of more than 1 square kilometer. In addition, as the province with the largest animal species in China, Yunnan also enjoys the title of "Animal Kingdom".
It is reported that, in view of the special situation of Yunnan's "Animal Kingdom", insurance institutions took the lead in the country to carry out public liability insurance for wildlife accidents throughout the province, giving full play to the role of insurance in biodiversity protection, and the accumulated compensation amount reached 460 million yuan.
Last year, the journey of Asian elephants from north to south attracted worldwide attention. Ni Jinqian, the director of Yunnan Banking and Insurance Regulatory Bureau, said, "We immediately followed up and urged the insurance company to carry out rapid survey and claim settlement for the losses of residents along the line, achieving the goal of" compensation when walking like an elephant ", and the accumulated compensation amount reached 7.17 million yuan."
This is a microcosm of Yunnan's efforts to strengthen insurance protection and weave a financial "insurance network" for green development. According to Ni Jinqian, nine prefectures (cities) across the province have launched the pilot project of compulsory liability insurance for environmental pollution, covering metal smelting, mining, hazardous chemicals, construction projects and other high-risk areas. At the same time, in combination with the characteristics of Yunnan's forest resources and agricultural resources with characteristics of agriculture and animal husbandry, guide insurance institutions to introduce forest fire insurance, forest insurance and disaster insurance for coffee, fertile sows, cows and other types of agriculture and animal husbandry, so as to provide rich insurance guarantees for the development of forestry industry and green agriculture and animal husbandry industry.
Green development is inseparable from the "power source" of funds. Ni Jinqian said that the local government, based on the actual situation of Yunnan, explored various financing modes such as "special financial funds+diversified financial support+internal earnings of enterprises", "green financial bonds+corporate bonds+special bonds of local governments", and fully supported the ecological governance of plateau lakes. In recent years, the capital invested by the provincial banks and insurance institutions has accounted for more than 50% of the total investment in protection and governance. Today's Dali Erhai Lake is green and rippling, and the water quality in the whole region reaches Class II. The water quality of Dianchi Lake is also the best in 30 years.