- Publisher：DongguanSongshan Lake Sci. & Tech. Industry Park
Notice on printing and distributing the measures for promoting the development of science and technology finance in Dongguan
The people's governments of towns (street offices), the city directly under the unit:
The implementation of the measures for promoting the development of science and technology finance in Dongguan, which has been approved by the Municipal People's government, is hereby printed and issued to you, and earnestly implement it.
Office of Dongguan Municipal People's Government
July 14, 2015
Measures for promoting the development of science and technology finance in Dongguan
Chapter 1 General Provisions
Article 1 in order to implement the "people's Government of Guangdong Province on quickening the innovation of science and technology policy" (yue fu 2015 No. 1), "the CPC Dongguan Municipal Committee of Dongguan Municipal People's Government on the implementation of innovation driven development strategy at the forefront of the opinion" (East Wei FA 2015 No. 5) and the "Dongguan financial innovation in science and technology to promote the integration of the financial industry work program" (East House Office 2014 No. 54), make full use of financial leverage funds and incentives, technological innovation investment mechanism, encourage and guide private capital to enter the field of technological innovation, promote the effective combination of technology and finance, as the city full implementation of innovation driven development strategy provide strong support, formulated.
The second municipal finance set up special funds to promote the combination of science and technology finance, specifically used to encourage and pry financial institutions and social capital to support our city enterprise science and technology innovation and transformation and upgrading. Supporting objects include the establishment of scientific and technological enterprises and traditional advantage enterprises, financial institutions and various organizations engaged in science and technology finance related business. Support methods include financing risk compensation, loan discount, venture capital guidance, insurance subsidies and other ways.
The third measures shall be implemented by the Municipal Bureau of science and technology in conjunction with the Municipal Finance Bureau, the Municipal Finance Bureau, the Municipal Bureau of industry and Commerce and other relevant departments.
The second chapter, credit risk compensation and reward
Fourth of my city related bank issued by the relevant department in charge of the project or recommended enterprise credit loans (non real mortgage credit, non Guarantee Corporation guarantees compensation and bank credit) to carry out the new credit business generated by the risk of loss, and according to the relevant bank business activities shall be rewarded.
The object of the fifth credit risk compensation and reward as approved by the government to carry out the plan of the bank credit, specifically for the "Dongguan financial innovation into ways to promote technological and financial industrial integration work program" involved in "the amount of loan linkage support plan", "key enterprises credit support plan", "innovation of bank credit support plan" three types of bank loan program, and the approval of the municipal government and the relevant functional departments or other approved conditions of the bank.
Sixth ways of credit risk compensation:
(a) the Municipal Finance Bureau in the bank to set up special accounts, the first payment by a certain amount of deposit risk reserve, after regularly bank lending amount is adjusted to 10%, the deposit according to the agreed deposit term interest, interest accumulated into account for better risk compensation. Funds approved by banks to be managed and managed in accordance with the relevant financial management system of the state.
(two) the bank to provide a credit line of not less than 10 times the risk compensation in accordance with the amount of funds to lend to the government departments of the enterprise project or bank credit innovation projects, the loan principle for at least 1 years, up to 3 years, a single project loan does not exceed the maximum amount of 15 million yuan.
(three) to carry out fifth of the bank's credit business risk of loss, to the Municipal Finance Bureau to apply for compensation for risk, risk compensation to limit the issuance of bank credit funds total principal balance of 10%, the total risk of loss below the limit, give full compensation by the risk compensation fund; risk loss beyond the limits of the total the excess from the bank, allowed to bear.
Seventh banks allowed to carry out the above fifth credit business, there was no bad loans, the city finance can be in the current balance of the risk compensation, according to the amount of bank loans increased by 0.5% of the business incentives, each bank 3 million yuan per year.
The eighth elements of determining the loss of credit risk and the declaration and audit process of risk compensation funds are specifically agreed by the Municipal Finance Bureau and the cooperation agreement signed by the authorized bank.
Ninth banks are allowed to apply for credit risk compensation and business awards in accordance with the relevant provisions of the "Dongguan credit risk compensation fund and the management of financial discount funds" (East Government Office  No. 25). In principle, the listing Finance Bureau concentrates on accepting the application of credit risk compensation and reward every year.
Tenth of the financial institutions as identified by the government science and technology business incubator in the first loan the bad debts of enterprises in incubation project, the municipal finance credit risk compensation fund loans bad debts according to project 40% of the principal loss sharing, risk compensation or compensation for the loss of the principal amount of a single item is highest do not exceed 1 million 500 thousand yuan. In accordance with the relevant provisions of the Guangdong provincial science and Technology Department of Guangdong provincial finance department on the pilot implementation of venture capital and credit risk compensation funds for science and technology business incubators (Guangdong science and technology regulations  No. 21).
The eleventh supports other financial institutions to provide special services to technology enterprises. The establishment of legally registered in our city, the normal operation of more than 1 years, mainly for high-tech enterprises in our city and the advantages of traditional enterprises to carry out technological loans, technology guarantee, technology leasing business, the regulatory standards in line with the development of science and Technology Bureau, the Municipal Finance Bureau, the Municipal Finance Bureau and other relevant departments and other business no, illegal business behavior of technology microfinance companies, science and technology, science and technology guarantee agencies and financial leasing companies and other technology credit institutions, approved by the municipal government in Dongguan City, "the way of financial investment to promote scientific and technological innovation of financial industrial integration work program" in the "credit linkage dial support plan", "key enterprises credit support plan" "the innovation of bank credit support plan" three loan program, can give credit risk compensation according to the relevant provisions of chapter second Business incentives.
The third chapter is the loan discount subsidy
The competent departments of the twelfth science and Technology Bureau, the City Council by letter, municipal development and Reform Bureau, the Municipal Bureau of Commerce, city Industrial and Commercial Bureau city approved or recommended enterprises from the fifth to the bank to obtain credit loans and interest payments, access to new financing credit business and enterprises from a licensed bank in interest payments subsidies.
Thirteenth to obtain loans of enterprises, municipal finance in accordance with the loan project construction period of the actual payment of interest is not more than 70% of the proportion of discount, the same project discount interest time is not more than 2 years, each enterprise the highest discount of 1 million yuan per year.
Fourteenth discount applications should be accepted once a year. Enterprises in accordance with the "Dongguan credit risk compensation funds and financial discount funds management pilot method" (East Office  25) relevant provisions to the relevant business authorities or Municipal Finance Bureau to apply for discount, submit the corresponding application materials.
Fifteenth allowed banks should actively cooperate with relevant departments in charge of Finance and good credit reconciliation, loan information submitted to the Municipal Finance and relevant competent departments in written form will comply with the conditions of the enterprise financial discount interest loans, assist in the review of the enterprise work.
Sixteenth departments responsible for business applications, business licenses, loan contracts and loans issued by the banks of eligible enterprise loans and interest information audit, and in conjunction with the financial department approved the discount list and discount interest enterprises. The list of enterprises and the amount of interest discount should be publicized to the public. The period of publicity is 10 days. After the expiration of the public notice, no objection or objection is not established, and the discount funds shall be issued by the relevant business authorities in conjunction with the finance bureau.
During the "seventeenth plan" to support pilot innovation of bank credit, enterprise financing pledge loan interest incurred by patent rights, trademark rights, in accordance with the "Dongguan patent promotion project funded" Dongguan way ", patent pledge loan management approach" and "Dongguan city trademark rights pledge financing fund Interim Measures". The relevant provisions provide interest subsidies. After the end of the trial, the new provisions are implemented according to the new regulations.
Eighteenth of the city, the relevant departments in charge of the project or the recommended enterprises to obtain loans, guarantees, credit institutions from science and technology the measures described in section eleventh of the finance leasing services and interest payments, after approval by the municipal government, can provide interest subsidies according to the provisions of chapter third.
The fourth chapter venture capital risk subsidy
The nineteenth venture capital institutions registered in Dongguan and lost in the initial stage of science and technology small and micro enterprises in our city will be granted subsidies to reduce the risk of angel investment in venture capital institutions, and accelerate the cultivation of venture capital market in our city.
Twentieth units that apply for venture capital risk subsidies should be registered or limited partnership venture capital enterprises registered in the administrative department of industry and Commerce of the city, which have passed the annual inspection and meet the following conditions:
(1) record by the China Securities Investment Fund association;
(two) the actual investment and loss of the small and medium sized technology-based small and micro enterprises that meet the requirements of the city;
(three) the relevant project exit or liquidation, audited by professional audit institutions and issued an audit report;
(four) the investment behavior of a single project must occur after January 1, 2014, and the investment period of a single investment project has been 1 years;
(five) there is no one of the following circumstances:
1. the actual investor of venture capital institution is related to the actual controller of the invested enterprise;
2. venture capital enterprises established by governments at various levels and their subordinate organizations, which do not participate in the distribution of profits (or transfer part of their profits to other investors);
3. the alleged illegal activities within the two years are being investigated or punished by the relevant departments;
There are 4. taxes, malicious wages, failing to participate in social insurance and other serious acts of dishonesty.
The twenty-first small and medium-sized technology-based SMEs in this approach refer to the non-listed company conforming to the national standards for small and medium-sized enterprises, mainly engaged in the research, development, production and service of high-tech products, and meet the following conditions:
(1) to register and establish in accordance with the law in the city, and have the qualification of an enterprise legal person;
(two) the number of employees is below 300 persons;
(three) the establishment period is generally less than 5 years, the annual main business income is not more than 30 million yuan;
(four) with college degree or above in science and technology the total number of employees accounted for the proportion of more than 30% in general, directly engaged in research and development of scientific and technological personnel accounted for the proportion of the total number of workers in general more than 10%, every year for the high-tech research and development funds generally accounted for more than 5% of revenue.
Twenty-second venture capital investment subsidies and quotas: single venture capital project risk subsidy does not exceed the highest proportion of the actual investment of 10%, single venture capital project risk subsidy amount does not exceed the maximum 500 thousand yuan subsidy amount, the risk of individual venture capital institutions within a year is not more than 1 million yuan.
Twenty-third venture capital subsidy application procedures:
(1) venture capital institutions should submit the venture capital subsidy application to venture capital institutions of the previous year to the Municipal Bureau of science and technology, and submit the corresponding application materials according to the venture capital subsidy declaration guidelines issued by the Municipal Bureau of science and technology at the beginning of each year.
(two) the Municipal Bureau of science and technology is responsible for accepting the application of venture capital subsidy funds of venture capital institutions and conducting formal examination. If the form examination is not qualified, the applicant may resubmit the application materials within 5 working days. The applicant fails to submit the application materials in accordance with the provisions within 5 working days, which is deemed to be an application for withdrawal. In the form of qualified examination, the Municipal Bureau of science and technology is responsible for auditing and determining the list of subsidies to venture capital institutions and the amount of subsidies. After the review by the Municipal Finance Bureau, the Municipal Bureau of science and technology is publicized to the public by the Municipal Bureau of science and technology, and the publicity period is 10 days. During the public notice, any unit or individual has objections, can be submitted to the Municipal Bureau of science and technology; for public notice objection, the city science and Technology Bureau should be investigated, and issued a survey report. If there is no objection or disagreement, the Municipal Bureau of science and technology should be submitted to the municipal government for approval after the expiration of the public notice. After the approval of the municipal government, the Municipal Bureau of science and technology and the Municipal Finance Bureau jointly issued the funding plan.
Twenty-fourth of the venture capital institution for science and technology business incubators identified by the government in the venture capital project failed incubating enterprises, municipal finance by project investment losses of 20% to give venture capital institutions compensation, compensation amount of individual projects is not more than 1 million 500 thousand yuan. Specific implementation in accordance with the relevant provisions of the Guangdong provincial science and Technology Department of Guangdong province finance department of science and technology enterprise incubator venture capital and credit risk compensation funds for the implementation of the relevant provisions.
The fifth chapter: subsidies for science and technology insurance
Twenty-fifth of the high and new technology enterprises and small and medium-sized enterprises that have been registered in the jurisdiction of the city for the insurance of science and technology and high-tech SMEs have been given premium subsidies to reduce the risk of enterprises to carry out scientific and technological innovation.
Twenty-sixth high tech enterprises in this Regulation refers to the "management measures" identified high-tech enterprises of the national high-tech enterprises; scientific and technological small and medium-sized enterprises that comply with relevant state classification standards for small and medium-sized enterprises, in the "high-tech" national key support, continuous research and development and technological achievements transformation, have the core of independent intellectual property rights, registration or establishment of more than 12 months, the number of workers under 300 years, the main business income of not more than 100 million yuan, mainly engaged in high-tech product research, development, production and service of the non-listed company; science and technology insurance underwriting agency for science and Technology Bureau through open bidding selected insurance institutions.
Twenty-seventh kinds of high-tech insurance premiums included in the high-tech insurance premiums include general guidance categories, key guidance categories and other national science and technology insurance categories.
(a) the general guiding categories include: property insurance, high-tech enterprises of high-tech enterprises key high-tech enterprises, R & D equipment insurance business interruption insurance (A - R & D interrupt insurance) high-tech enterprises, high-tech enterprises, product liability insurance and employer's liability insurance, liability insurance product development of high-tech enterprises, high-tech enterprise environment pollution liability insurance in the high-tech enterprises, the board of supervisors of senior management personnel occupation liability insurance, high-tech enterprise product quality assurance personnel, special group insurance executives and key personnel of research and development of group health insurance and accident insurance, accident insurance and high-tech enterprises of major disease insurance, high-tech enterprise project investment loss insurance.
(two) the key guiding categories include: small and medium sized enterprises guarantee insurance for small and micro enterprises.
Twenty-eighth science and technology insurance institutions may refer to high-tech enterprises to provide insurance technology insurance services to SME, but also according to the market demand the development of new science and technology insurance, by the Municipal Science and Technology Bureau identified and approved by the municipal government, the insurance premiums of insurance subsidies included in the scope of science and technology.
Twenty-ninth modes and limits of premium subsidies for science and technology insurance:
(1) enterprises choose insurance products independently and sign insurance contracts with insurance companies. After signing the contract, the insurance company to the town streets (Park) science and Technology Department to apply for premium subsidies.
(two) for the first year of the insurance company to focus on the type of insurance (namely high-tech enterprises small loan guarantee insurance) enterprises, according to the actual expenditure premium of 60% subsidies; the next year according to the actual expenditure premium of 30% subsidies. In the first year, enterprises with general guiding type of insurance (i.e., other types of science and technology insurance) should be subsidized according to 40% of the actual expenditure premiums, and subsidies should be given to 20% of the actual expenditure premiums in the next year. The total amount of premium subsidies for science and technology insurance of each enterprise is not more than 200 thousand yuan per year.
Thirtieth science and technology insurance subsidies for the towns (Park) science and technology department in accordance with the unified requirements responsible for acceptance, by the Town Street (Park) joint audit departments and financial departments of science and technology, science and Technology Bureau summary report within 10 working days from the end of the quarter, by the municipal science and Technology Bureau and the Municipal Finance Bureau jointly approved the amount of subsidies, and the municipal finance department allocated to the insurance enterprises of science and technology.
The thirty-first is to establish the risk sharing mechanism of the performance guarantee insurance of science and technology loans jointly participated by the government, banks and science and technology insurance underwriting agencies.
(1) the Municipal Bureau of science and technology chooses banks and insurance institutions through public bidding.
(two) the object of the loan is the high-tech enterprises registered in the jurisdiction of the city and the small and medium-sized enterprises of science and technology.
(three) the amount of a single loan is not more than 3 million yuan in principle, the loan period is less than 12 months; the repayment method is negotiated by the enterprise and the bank.
(four) the loan interest rate can be appropriately floated on the basis of the loan interest rate of the same period published by the people's Bank of China in the current period, in principle, not more than 1.1 times the benchmark lending rate at the same time.
(five) guarantee the annual rate of insurance can be based on the risk of each loan enterprise, in the loan amount of 1% - 3% between the appropriate float, the enterprise on time after repayment of interest, can be in accordance with the relevant provisions of the twenty-eighth provisions of the law to enjoy premium subsidies.
(six) loans to bank loans to enterprises, the Municipal Science and Technology Bureau issued a recommendation after approval by the banks and insurance agencies, insurance underwriting, signed a loan contract, and to open a margin account in the bank, in the first 10% of the loan amount as a technology loan performance guarantee insurance risk compensation funds, bank can loan.
(seven) insurance companies in high-tech enterprises of small loan guarantee insurance guarantee insurance or other similar loan of science and technology performance, and generate losses on loans, first extracted in advance to deposit money in the bank risk compensation compensation for losses due to bad loans, risk compensation funds beyond the limits of non-performing loans, the proportion of 20% to the municipal finance risk compensation mechanism by the other 80% banks and technology insurance negotiated share.
The thirty-second loan enterprises should repay in time according to the agreed repayment method, and accept the supervision and tracking service by the bank, the science and technology insurance underwriting agency and the Municipal Science and technology bureau. Daily supervision of bank loans is mainly responsible for the company's financial conditions, operating conditions and the use of loan funds, keep in touch with the science and technology insurance agencies and Municipal Bureau of science and technology, research and development, production enterprises understand the situation, grasp the enterprise's ability to repay loans, and relevant information will be promptly informed of technology insurance agencies and municipal science and technology bureau.
Thirty-third enterprises to apply for high-tech enterprises small loan guarantee insurance or other similar science and technology loan performance guarantee insurance loan interest, according to the relevant provisions of the third chapter of the provisions of the loan interest subsidies.
The sixth chapter, patent insurance subsidies
Thirty-fourth of the city patent insurance premiums and insured patent custody institutions subsidies, to further improve the enterprise patent risk management capabilities, safeguard the legitimate rights and interests of enterprise innovation results.
The thirty-fifth types of insurance subsidies included patent enforcement insurance, patent infringement liability insurance, overseas patent infringement liability insurance, patent agency liability insurance, patent pledge financing insurance and other types of insurance.
Thirty-sixth units that apply for patent insurance subsidies shall be independent legal entities registered and registered in accordance with the law, and have the following conditions:
(1) the enterprise that applies for premium subsidies shall be a patent holder or a company authorized by the patent owner (individual).
(two) the insured depository institutions for patent subsidies units must be determined by the Municipal Intellectual Property Bureau of the tender, and signed the contract with the Municipal Intellectual Property Bureau, the patent strategy, risk analysis, tracking and responding strategies of patent rights related services professional institutions for enterprise core patent.
(three) the patent for insurance or trusteeship shall be the invention patent, utility model and patent for design in our city.
Thirty-seventh patent insurance subsidies and quota:
(1) the subsidy for patent insurance shall be subsidized in proportion, and the total amount of patent insurance subsidies for the same enterprise should not exceed 10 thousand yuan per year.
For the first year of the purchase of patent insurance enterprises, according to the purchase of the patent insurance premium of 60% of the actual expenditure subsidies, the next year to buy the patent insurance subsidies according to the actual cost of 30% of subsidies.
In order to obtain the core patent of national, provincial and municipal patent awards, the government should implement the unified insurance policy and grant full subsidies according to the actual premium.
(two) the insured patent trusteeship agency subsidies, according to the actual hosting services hosting enterprises hosting the main products of the core number of subsidies, each core patent subsidies 1000 yuan, the same year, the total subsidy of the same institution is not more than 100 thousand yuan.
Thirty-eighth enterprises can apply for premium subsidies directly or entrust insurance agencies to the city intellectual property office, patent trusteeship agencies apply subsidies directly to the Municipal Intellectual Property Office proposed. Upon completion of the examination and the expiration of the public notice, the Municipal Intellectual Property Office and the Municipal Finance Bureau issued the subsidy notice, and the subsidy funds shall be appropriated to the units that pass the application according to the relevant provisions of the financial special funds.
The seventh chapter: financing for science and technology talents training
Thirty-ninth, in order to give full play to the supporting role of talent in promoting the development of science and technology finance in our city, referring to the provincial science and technology finance Commissioner and its training program, establish a strong scientific and technological finance Commissioner in our city.
Fortieth science and technology financial specialist by townsstreet city (Park) science and technology departments, financial institutions, universities and research institutions and enterprises in the recommended by the Guangdong provincial science and technology comprehensive financial service center Dongguan branch or approved by the Municipal Science and Technology Bureau and other relevant training institutions (including universities) organized the pre job training. Unified appointed by the Municipal Science and Technology Bureau, accredited to the Songshan Lake (Ecological Park) comprehensive science and Technology Financial Services Commission and towns street construction work arrangements, direct docking has science and technology enterprises demand financial technology and the advantages of traditional enterprises. Pre job training should include science and technology business, finance, guarantee, insurance, intellectual property pledge, enterprise listing and other related content of science and technology finance.
The forty-first technology finance commissioners employ each year for two years. The approval of the Municipal Bureau of science and technology can extend or shorten the employment time of the commissioners. If the Commissioner is unable to serve as a Commissioner for reasons such as changes in work, he may apply to the Municipal Bureau of science and technology and be dismissed immediately after the approval of the Municipal Bureau of science and technology.
The forty-second financial commissioners should have the following basic requirements:
(1) working experience and management experience with rich service technology small and medium sized enterprises (senior management priority);
(two) familiar with the technical situation of the enterprise, master the professional knowledge of intellectual property rights (enterprise patent workers priority);
(three) master professional financial, legal, financial knowledge, familiar with the relevant financial services products;
(four) engaged in the combination of science and technology and finance for more than one year;
(five) a strong service enterprise enthusiasm and high sense of responsibility and sense of mission, moral, impartial and honest;
The main responsibilities of the forty-third technology finance commissioners:
(1) actively create a good financial service environment for science and technology, cooperate with all levels of science and technology departments in the city, carry out the publicity and training of science and technology financial policies, and provide policy recommendations and advisory services to the Municipal Science and technology bureau;
(two) promote financial innovation of science and technology to the enterprise, provide the different stages of the development of technology and financing advice and recommendations for the needs of the enterprise, to assist the quality of scientific and technological enterprises to declare all kinds of science and technology finance special subsidy funds, to provide financial services for the professional science and technology enterprises;
(three) collect and publish the relevant information of enterprise demand for science and technology financial services, and tap, recommend, organize high-quality scientific and technological enterprises and scientific and technological achievements projects, and carry out docking services with banks, investment institutions financing projects, and promote the effective docking of enterprises and capital.
Forty-fourth by the Guangdong science and technology finance comprehensive service center Dongguan sub center for science and technology finance Commissioner work evaluation, according to the evaluation results will be divided into excellent, qualified, unqualified three grades, annual evaluation once. Evaluation of two consecutive years of outstanding science and technology finance Commissioner, municipal science and Technology Bureau to give informed recognition, and recommended selection in Guangdong province science and Technology Financial Ombudsman; evaluation of outstanding science and technology finance Commissioner, prior to re employment evaluation of unqualified; science and technology finance Commissioner, instant dismissal.
After the forty-fifth science and technology finance commissioner was hired, the corresponding subsidy allowance was granted by Dongguan branch of Guangdong science and technology finance comprehensive service center. The annual evaluation is an excellent Financial Commissioner of science and technology. By the approval of the Municipal Bureau of science and technology, the Dongguan branch of Guangdong science and technology finance comprehensive service center will be awarded some incentives to encourage the financial services institutions to be granted certain awards. Allowances, subsidies and awards will be worked out separately. Encourage the service enterprises to grant subsidies or awards according to the actual contribution of the science and technology finance commissioner.
The eighth chapter: supervision management and performance evaluation
The supervision and management and performance evaluation of forty-sixth science and technology finance special funds funds in accordance with the "Dongguan" of Dongguan science and technology project funds (grants and loans) financial management Interim Measures "," Dongguan city "Dongguan science and technology" project funds performance evaluation management Interim Measures "," Dongguan city "Dongguan science and technology projects the use of funds management accountability procedures" implementation. If otherwise stipulated by the municipal government, it shall be carried out in accordance with relevant provisions.
Forty-seventh units to obtain special funds should conscientiously strengthen the use and management of special funds, consciously accept the supervision and inspection of the financial, auditing and supervision departments, and strictly implement the financial regulations and accounting methods.
Enterprises, institutions and staff who provide fraudulent materials to defraud special funds, the city government recover fraudulent funds, blacklisted, and within three years no longer enjoy all kinds of financial assistance of the Dongguan municipal government, suspected of criminal offenses, transferred to judicial organs for criminal responsibility.
The ninth chapter supplementary provisions
The forty-eighth measures shall be explained by the Municipal Bureau of science and technology in conjunction with the Municipal Finance Bureau, the Municipal Finance Bureau, the Municipal Bureau of industry and commerce, the people's Bank of China Dongguan central sub branch, and the Dongguan branch of China Banking Regulatory commission.
These forty-ninth measures will be implemented from the date of promulgation, valid until December 31, 2020. The interim evaluation of the implementation will be carried out in 2017, and will be adjusted if necessary. The relevant policies promulgated by this Municipality, which are inconsistent with the provisions of these measures, shall be implemented in accordance with these measures.