Hubei Daily: Optics Valley Technology guarantee gives play to the advantages of "investment and shoulder linkage" and does the "financing expert" around the enterprise

Hubei Daily: Optics Valley Technology Guarantee to play the advantage of "investment linkage", to be a "financing expert" around the enterprise

2023-08-25 08:38:11

The staff of Optical Valley Technology Guarantee investigated the financing needs of a medical device company。

Wuhan Dongfang Junchi Precision Manufacturing Co., LTD., located in Optical Valley, is an automotive high-precision parts enterprise, whose products are sold to many world famous automobile enterprises。In the critical period of transformation and upgrading, Wuhan Optics Valley Technology Financing Guarantee Co., LTD. (hereinafter referred to as "Optics Valley Technology Guarantee") and Optics Valley Bank provided 20 million yuan of financing guarantee line to help its rapid growth。Not long ago, the company successfully shortlisted the fifth batch of national specialized special new "little giant" enterprises public list。

Only the national specialized special new "little giant" enterprises, the establishment of less than 3 years of Optics Valley technology guarantee has served nearly 30。As a government financing guarantee institution based on the East Lake high-tech Zone，Optical Valley Technology Guarantee was initiated and established by Wuhan Optical Valley Financial Holding Group Co., LTD. (hereinafter referred to as "Optical Valley Financial Holding Group") in November 2020，Always adhere to the deep cultivation of science and technology financing guarantee field，Continue to explore financial innovation，We will give play to the role of government financing guarantee institutions in supporting credit increase，He has long been on the front lines of corporate bailouts。

Take root in China's Optical Valley, a hot land for innovation and entrepreneurship，Optical Valley technology guarantee deep integration of innovation chain industrial chain capital chain talent chain，Relying on Optics Valley Financial Holding Group to give play to the advantages of "investment linkage"，Strive to create a unique unique product ecosystem and diversified service operation model，Be a "financing expert" around small and medium-sized micro technology enterprises。

Investment linkage comprehensive financial model to serve science and technology enterprises

In the exhibition area of Wuhan Haiwei Technology Co., Ltd. located in the Science and Technology Park of Wuhan University, various high-end vehicle displays developed by the company are displayed。The company is a high-tech entrepreneurial company focusing on the design and manufacturing of automotive electronic products, and a national specialized "little giant" enterprise, whose products have been applied to brand cars such as NiO and Ideo。In the early equity financing, the enterprise successfully obtained the investment of Optical Valley Venture Capital Fund under Optical Valley Financial Holding Group。At the end of last year, according to the business development needs of the enterprise, Optics Valley Technology Guarantee has approved a new financing guarantee limit of 20 million yuan for it。This is a typical sample of the linkage between Optical Valley Technology Guarantee and Optical Valley Financial Holding Group's equity investment business, giving full play to the advantages of "investment linkage" to serve science and technology enterprises。

Since the beginning of this year, Optics Valley Technology Guarantee has made efforts to "invest and shoulder linkage", actively developed and designed diversified innovative products, and better played the leading and demonstration role of government financing guarantee institutions to provide comprehensive financial services for science and technology enterprises while seeking a breakthrough in business scale。On the one hand, the staff directly enters the enterprise to provide "face to face" services, on the other hand, docking with a number of industrial parks and government departments, understanding the needs of enterprises, and providing "investment linkage" services and personalized financing solutions for the personalized capital needs of science and technology enterprises。

"We are not only the 'defender' in the new CBC business, but also the 'forward' in the frontline service of corporate financing needs."。Zhang Wei, general manager of Optical Valley Technology Guarantee, introduced that according to the development needs of science and technology enterprises in East Lake High-tech Zone, Optical Valley Technology Guarantee has made efforts to move the position of service technology enterprises to the forefront。

"The efficiency of the exhibition industry has been improved, and the financing services provided for enterprises have been more accurate.。The relevant person in charge of the guarantee Department of Optics Valley Technology Guarantee financing said that in the face of the characteristics of asset-light and heavy research and development of science and technology enterprises, the company considers key factors such as the core technology of the enterprise and the prospect of the track on the spot, and pays more attention to the growth and core competitiveness of the enterprise。

Financing guarantee services first, but also through the "investment option" to further introduce equity investment for science and technology enterprises to meet the diversified financing needs of science and technology enterprises。In the first-line service enterprises, Optical Valley Technology Guarantee and the funds of Optical Valley Financial Holding Group jointly conduct due diligence, share corporate information, explore high-quality enterprises with potential, and replace the payment of guarantee premiums with "priority investment right"。Up to now, through this model, priority investment right agreements have been signed with three specialized new enterprises, with a cumulative guarantee amount of 25 million yuan and a guarantee premium of more than 100,000 yuan。

Relying on the advantages of the venture capital fund and industrial fund of Optical Valley Financial Holding Group, "Investment and Investment Linkage" provides comprehensive technological financial service solutions for scientific and technological innovation enterprises, focusing on helping the long-term development of enterprises。Focusing on the differentiated financing needs of enterprises at different growth stages, we will give full play to the advantages of maturity mismatch and capital complementarity, form a linkage model of equity investment and financing guarantee loans, and fully support the development and growth of enterprises through the comprehensive financial innovation service model of "technology + capital + credit enhancement"。

Financial innovation builds the whole life cycle product matrix

"Strong innovation" is inseparable from "strong finance"。Introduced by Yan Zuohui, assistant general manager of Optical Valley Financial Holding Group and Chairman of Optical Valley Technology Guarantee，Since its inception in 2020，Optics Valley guarantees to keep the mission in mind，Firmly fulfilling the responsibilities of state-owned enterprises，Oriented to the needs of enterprises，Continue to innovate，In the province to take the lead in the launch of "specialized special new Dan", "high-tech first loan Dan", "optical Valley Gazelle Dan", "Jinguan Bao", "Kechuang integral Dan" and other highly suitable for the needs of local enterprises characteristic product matrix，Achieve good results。

Since its inception in 2020，Optical Valley technology guarantee in-depth study of regional industrial characteristics and enterprise pain points，Around the East Lake high-tech Zone "optical core screen end network" and "life and health" two trillion industrial clusters，Carry out the action plan of "million chain enterprises"，Protect the financing lifeline of small, medium and micro enterprises，Rapidly expand the coverage of specialized financial services to help enterprises rescue。By vigorously developing the new government-bank-backed business, the expansion of the expansion of many small and medium-sized enterprises in science and technology to provide low cost, fast response financing services;By actively expanding the single business of independent underwriting, we provide customized comprehensive financing services as customers。

To comprehensively enhance the ability and level of the development of national and provincial specialized "little giant" enterprises in financial services，Optics Valley Technology Guarantee has developed a special product "specialized and special new Dan"，By giving full play to the role of financial factors in supporting and guaranteeing the real economy，For the enterprises in the national specialized and special new "little giant" enterprises, provincial "specialized and special new" smes, and municipal "specialized and special new" smes cultivation database，Provide personalized credit support。

For high-tech enterprises and small and medium-sized technology enterprises that have never received loans, Optics Valley Technology Guarantee launched an innovative product "High-tech first loan" to provide joint liability guarantee services for the first operational loan issued by such enterprises in the bank, aiming to improve the financing coverage of science and technology enterprises in East Lake High-Tech Zone。"High-tech first loan" adopts the flexible guarantee model of "see loan guarantee" and "see loan guarantee", and combines with policies such as discount interest, guidance funds and technical reform subsidies for small and micro enterprises in the actual operation process to open up the whole chain of financial support for enterprises。

In order to help the development of gazelle enterprises and effectively alleviate the problems of gazelle enterprises without collateral and difficult guarantee, Optics Valley Technology Guarantee designed the "Optics Valley Gazelle Tam" product。This product combines the characteristics of high growth of "gazelle" enterprises in East Lake High-tech Zone to provide credit support for optimized processes for enterprises in the "Optics Valley Gazelle" list。

"Science and Technology Credit Loan" jointly launched by Optics Valley Technology Guarantee and Science and Technology Innovation Bureau of East Lake High-tech Zone, using enterprise innovation credit and evaluation results, through new technological means such as big data, quickly identify and screen smes with outstanding innovation ability, and provide targeted financing services。"Science and innovation credit" takes the innovation ability of enterprises as the basis for quantitative evaluation, to solve the development dilemma of financial institutions' "unclear and opaque" for science and innovation enterprises, and "difficult, expensive and complicated financing" for science and innovation enterprises, enterprises can obtain a guarantee limit of up to 20 million yuan。

Scientific and technological innovation begins with technology and becomes capital。Through the innovation of financial products and service models, Optics Valley Technology Guarantee takes the initiative to upgrade the cost reduction and credit increase service mechanism, accelerates the implementation of the government's policy of benefiting enterprises and assisting enterprises through the continuous development of new scientific and technological financial products, helps the business environment continue to optimize, and helps the world Optics Valley and Wuhan New City to build a scientific and technological innovation highland and a national scientific and technological innovation financial center。

Digital Guarantee responds to financing needs online 7×24 hours

Since its inception, Optical Valley Technology Guarantee has maintained continuous investment in information technology support, enabled small and micro enterprises and science and technology to provide financing guarantee services for "agriculture, rural areas" by digital means, and built Optical Valley Kedan online service platform with its own intellectual property rights and independent control (referred to as "Kedan Cloud").。The construction of "Ketan Cloud" always adheres to the core idea of "business and technology two-wheel drive"，By opening up government, enterprise and bank data，"Digital guarantees" enable financing guarantees，With the "301" model to help small and micro enterprises easy financing，Comprehensively improve the efficiency of technological financial services，Let more small and micro enterprises feel the efficiency and convenience of digital guarantee。

At present, the "Ketan Cloud" platform has basically realized the whole process of online business application, online approval, online signing, guarantee premium collection, project filing, data archiving, etc., supporting enterprises to submit financing needs online anytime and anywhere, 7*24 hours, and check the status of the insured project, loan and settlement situation at the fingertips。

Bearing in mind the sincere exhortations, the current Donghu High-tech Zone is promoting the construction of the "World Optical Valley" to build a world-class innovation source highland。Optical Valley technology guarantee adhering to the "service real economy，Support small and medium-sized enterprises "original intention，Adhere to the exploration of scientific and technological financial innovation to enable scientific and technological innovation，Wholeheartedly provide innovative financing products for small, medium and micro enterprises with outstanding innovation ability in the region，Do a good job of precise service and detailed assistance，Provide a steady flow of financial water，Help small, medium and micro enterprises of science and technology to grow，To accelerate the construction of the "world Optics Valley" and Wuhan New City science and technology innovation financial center。