交行“科易贷”让科技中小企业路更宽

Bocom jiangsu province branch "borrowed" easily let science and technology small and medium-sized enterprise more wide road

Through continuous exploration and innovation, bank of communications branch of jiangsu province is small and mid-sized enterprise of jiangsu province specializes in services, professional services platform, the exclusive marketing team "three dedicated" service. In 2012, the bank financing loans 107 accumulated on the science and technology, total loans of 912 million yuan.

In 2012, jiangsu accer technology co., LTD successfully won the bid a foundation pit supporting engineering of university of nearly 20 million yuan new orders. The company owned the first-grade qualification of industry, nearly 30 kinds of invention patents, foundation pit supporting technology individual markets, but the company boss will face this technology into the market opportunity but make up sorrow: engineering prior to mat endowment, can using mortgage assets of enterprises and individuals, liquidity there is still a gap, how to do?

Bocom to learn customer facing "China" in jiangsu province branch account manager to act quickly and tailor a set of new financing for accer technology plan, in less than two months time to the company issued 1.5 million yuan in technology patent pledge loan. To this, the company boss very sigh with emotion: "intellectual property rights can also be used to pledge loan, we technology-based small businesses develop wider highways."

Intellectual property is an important asset for the small and medium-sized enterprise especially small and medium-sized enterprises of science and technology. Bocom for a long time, actively promote intellectual property financing work, has established a more scientific and efficient business model, perfect the loan before the survey, review, and the pledge registration, etc. A set of processes. Accer in jiangsu province science and technology of the patent pledge loan, the loan before the survey, design, innovation, were carried out examination on the examination and approval in help enterprise win order smoothly at the same time, bocom has opened branches in jiangsu province intellectual rights financing.

On August 2, 2012, bocom branch of jiangsu province and jiangsu province intellectual property office of the small and medium-sized enterprise intellectual property strategy cooperation agreement, to further strengthen and province intellectual property rights department of the docking and the cooperation. Currently, bank branch in nanjing, nantong, changzhou, jiangsu province and xuzhou established have financial license branch of science and technology, launched the "borrowed" easily varieties innovation loans, establish the "financial innovation of science and technology experimental base" and "branch bank financial services centre of science and technology", explore a "bank + government + vc + + insurance guarantee" of the financial development of science and technology.