"on a limited amount of cases

Commercial Bank optimistic about Zhongguancun science and technology startups in the financial services market United States is VC in Silicon Valley are paradise, but in China's booming, noisy group and this stood for "innovative" China's Silicon Valley, is almost "50 steps a bank", innovation is not just technology, and technology loans, and the United States are different, Zhongguancun science and technology enterprise financing market, seems to be the main battlefield of Beijing as the representative of the traditional commercial banks. Zhongguancun Management CommitteeDeputy Director Liao Guohua said: "a grim reality that we see is that the small micro-enterprises, especially early-type, technology type, growth-oriented small micro-enterprise financing environment is not optimistic. Credit should be recognized under the present system continues to be important means of our science and technology enterprises access to financial support. "Banking Association in the Department of science and technology, China Banking Regulatory Commission, Beijing Municipal Bureau of science and technology and other competent ministriesSupport, has established a science and technology experts, credit assessment advice for banks to do high-tech enterprises. Zhongguancun involved huge financial services market, what should be the main battlefield of the VC is the traditional commercial banking, banks have differences. Good financial after more than 20 years of development of science and technology, Zhongguancun has become China's most intensive science, intelligence, talent, and technology resourcesRegional and cradle of high new technology enterprise development. At present, the demonstration area of Zhongguancun innovation brought together to think, Baidu represents nearly 20,000 high-tech enterprises, formed by electronic information, biological medicine, new materials, advanced manufacturing, energy environmental protection, aerospace industry representatives, to develop high-tech industries and services as the main form of clusters, gross, the Park has been accountedAbout Beijing city 20%. More than a dozen years ago, huge financial services market in the growth of Zhongguancun Beijing Bank concern about potential. In 1999, at the State Department after a decision made in speeding up the construction of Zhongguancun science and Technology Park, Beijing Bank was established in Zhongguancun science and technology park of Zhongguancun science and Technology Park Management Department. May 28, 2011, Bank of Beijing taking the lead in ZhongguancunDemonstration areas established its first branch Bank agency Zhongguancun branch. At present, there are outlets of Bank of Beijing Zhongguancun branch 41, $ 135.7 billion in assets, total assets of the Bank 14%, accumulated over more than 2000 of the Zhongguancun science and technology park of science and technology-oriented SMEs with loans of more than $ 50 billion. United States commercial banks avoided much of the Silicon Valley start-up type of sci-tech enterprises, Zhongguancun, but is pursued by the Bank. Yang Zaiping think bankers should have from the science and technology of China Banking Association of small enterprises found in dark horse's "Bole" view: "sci-tech micro-enterprises in particular of small banks to support, because the small micro-enterprises in science and technology, it is there we said dark horse, took, like the 1976 United States Apple, bankerThe bright eyes, there should be at least bright idea. "Beijing bank SME Division General Manager Zhang Zhiyong said:" around the Zhongguancun area, Beijing banks to establish a model of micro-enterprise credit of small and medium-sized factories around the factory model of credit, drawing on the modernization of industry and factory production lines, Division of marketing, loan approval, loan origination, and loan management after theLink, while setting at the branch level bank managers, risk managers, risk officers, established after the difference of mass marketing, credit, made a point of incentive requirements. "At the end of March 2009 to 2011, Bank of Beijing Haidian branch loans accumulated 313 households, $ 88.54 billion, sci-tech enterprise balance than at 75%, 77%,Than 77%. Franchise organizations of its kind, is the only science and technology small and medium-sized micro-enterprises account for more than 50% of professional bodies. New Zhongguancun third market, are the target customers of Bank of Hangzhou. Bank of Hangzhou "enterprises in the new third programme of exclusive financial services", where 70% left and right of the enterprise is the bank customers in Hangzhou. Hangzhou Ren Qin, Deputy Governor of the Bank on this reportLike this: "Science and technology enterprises is the benchmark interest rate, our goal is to train customers, Enterprise Services to grow up, it grows up in our account opening, can give it to do a wide range of financial services in the future. "At the end of 2011, Hangzhou Bank Bank loan balance of $ 3.59 billion in financial enterprises of science and technology, service enterprise customer number 382, small business 217. Bank of Hangzhou has grown IPO 3, 139 households determined focus on fostering customer, decided to maintain the observation of 236, 22 companies by venture capital investments. Shanghai Pudong Development Bank SME Business Center General Manager Wang Sunan also told this newspaper that science and technology enterprise is the perfect key target groups: "on a limited amount of cases, scientific and technological enterprisesCharacteristics and perfect their genes are matched, is healthy and dare to innovate, we want to brand building with characteristic of the banking and financial services. "The Bank's branches in Beijing, Shanghai, Suzhou and Shenzhen branches of branches, is a considerable share, especially in Shanghai is half. Recently, Shanghai Pudong Development Bank also disclosed that its most prosperous in Tianjin GoldenThaw areas, to establish a branch of science and technology, featuring PE\VC, accounting firms, law firms, and other intermediaries are invited to a branch of the Office of science and technology, providing comprehensive services for enterprises of science and technology. Shanghai Pudong development after Silicon Valley be established with Silicon Valley Bank, Pudong Development Bank, also has "lay" banks impulses of PE investments in Silicon Valley, and it has always been optimistic about the business Kiss-In. Wind control! Wind control! Energy saving technology of Daqing, Chairman Chen Zuotao said, Bank of Beijing's support after a few years, market, so the Bank of Beijing has been seen as "home banking". But not all companies are like days Daqing listed as energy-saving, and some may even disappear. Bank, Shanghai Pudong Development Bank, Bank of Hangzhou and Beijing is different, some banks have notStrong to enter the area, even made it clear that the enterprises of this industry "could not read", that "high risk". Private businessman, President of the Association of science and technology in Beijing, Wang Xiaolan, Group Chief Executive of the times you said: "in fact on these through Death Valley ' garage coffee ' businesses, more funds needed an angel investment and Government support, instead of the Bank's support. "This conceptSupporters point of view, of the banks generally do not identify science and technology enterprise team, and commercial banks is now cash flow, VC is the future cash flow, are two very different technologies. Dong Wenbiao, Chairman of the Bank on this newspaper said: "high-tech enterprise financing is not a bank to do things, that belongs to the VCs to do things, traditional banks do that too risky.Livelihood make small micro-enterprises are willing to do small companies that grow, really have grown up in the future, as large enterprises, to which banks do business to which banks do. "Indeed, in enterprises in Zhongguancun, most venture capital early stage small business. According to Deputy Director of the Beijing municipal science and Technology Commission Zheng Huanmin introduction, development of small and medium sized sci-tech enterprises is Zhongguancun, Beijing and the State of science and technology demonstrationImportant force for construction. Incomplete statistics, 7,246, Beijing high-tech enterprises, 95% are all small and medium sized sci-tech enterprises. Taking into account the risks of early-stage technology companies http://www.powerleveling.us/diablo-3, Beijing municipal science and Technology Commission from last year, and four banks jointly for the science and technology enterprise financing needs to establish a system of risk compensation, Beijing municipal science and Technology Commission tried to focus on the small business of the yearInvestment requirements, and security companies, security companies, about the county-level cooperation, establish a small micro-enterprise loan payments system. Yang Zaiping also agree with science and technology small micro-enterprises is relatively risky to judge, so he thought bankers should design products how to actively help small micro-enterprise transfers of science and technology diablo iii power leveling, and risk management. Yang Zaiping says: "Science and technology enterprises in General, it is difficult toMortgage and pledge of tangible goods, arrived in mortgage bankers should go and create the potential for, or create some credit measures. Bank of Beijing, for example with security companies, even their own equity guarantee company, intellectual property pledge to solve this problem. In addition, sci-tech enterprises in the start-up stage, governance structures are not standard, so the corresponding stock design, financial advisoryAsking and consulting, is also a local banker can play to their intelligence. "Despite bad tolerance of special banks and Governments have tried to avoid, but the risk is still there. Bank of Hangzhou science and technology enterprise loans do individual risk tolerance, technology finance pilot branch, Hangzhou branch of science and technology, and risk tolerance extended to twice times the Bank bad loan ratio, in lineBad loans within a tolerance range of financial bad loans should be made by the provision of science and technology 50% make provision. For technology financial business risk, if the head of the financial services and related staff, found their behavior without risk of professional ethics, freedom from accountability and punishment. In addition, the Bank of Hangzhou also perform special pricing of interest rate policy on Science and technology enterprises. HangzhouOn Science and technology of the Ministry of science and technology of small and medium sized banks to perform benchmark interest rate loans, and technology in order to establish service-oriented business model for sustainable development of the small business banking loans, individual enterprise "lending rate income into" attempts, that financial advisers in charge a fee, Bank "income covers risk". Hangzhou Bank each year according to the actual situationIndependence issued by allocating special credit, support the branches of science and technology for development finance. 2012 Plan separate $ 4 billion financial credit to support the development of sci-tech enterprises of science and technology, new bank loans to the public about 15%. Ren Qin told reporters that: "in China, if bold technology financial, must be to have government support, or laterThere will be many bad. We bad tolerance of sci-tech enterprises is a 1 time, allowing financial and 1.6% of science and technology, full-line is 0.8%. "Security also have less risk of a layer. Zhongguancun guarantee company, founded in 1999, is Government approved the establishment of a policy of security agencies in Beijing. Up to now, Trojan 10,149 small micro-enterprises provide your creditWarranty services, total of $ 52.1 billion. Security companies and banks including Bank of Beijing Zhongguancun, did not pose a risk to any bank losses, credit risk to the firewall. In its security account, there are 56 companies listed on the stock market at home and abroad. 46 in the transfer of non-listed stock company to-do list system in Zhongguancun. 2011 closedVillage guarantees all new security scale $ 12.2 billion, 269 operations, an increase of 19.6%.