让知识有价 给智慧赋权 湖北出台科技型企业知识价值信用贷款新政
<p style="padding: 7px 0px; margin-top: 0px; margin-bottom: 0px; box-sizing: border-box; font-family: Microsoft YaHei, 微软雅黑, 宋体, Arial, Helvetica, sans-serif; line-height: 27px; font-size: 18px; word-break: normal; text-align: justify; color: rgb(45, 45, 45); text-wrap-mode: wrap; background-color: rgb(255, 255, 255);">融资难、融资贵是不少科技型企业发展的一座大山。3月25日，武汉东湖国际会议中心，在科技型企业与金融机构的热切盼望下，湖北正式推出科技型企业知识价值信用贷款。</p><p style="padding: 7px 0px; margin-top: 0px; margin-bottom: 0px; box-sizing: border-box; font-family: Microsoft YaHei, 微软雅黑, 宋体, Arial, Helvetica, sans-serif; line-height: 27px; font-size: 18px; word-break: normal; text-align: justify; color: rgb(45, 45, 45); text-wrap-mode: wrap; background-color: rgb(255, 255, 255);">这项产品非常硬核：纯信用、最高1000万，贷款年限最长3年，面向全省28.5万家科技型企业，覆盖17个市州，面向全省银行机构。</p><p style="padding: 7px 0px; margin-top: 0px; margin-bottom: 0px; box-sizing: border-box; font-family: Microsoft YaHei, 微软雅黑, 宋体, Arial, Helvetica, sans-serif; line-height: 27px; font-size: 18px; word-break: normal; text-align: justify; color: rgb(45, 45, 45); text-wrap-mode: wrap; background-color: rgb(255, 255, 255);">这一政策意味着：在湖北，科技型企业贷款更容易了。</p><p style="padding: 7px 0px; margin-top: 0px; margin-bottom: 0px; box-sizing: border-box; font-family: Microsoft YaHei, 微软雅黑, 宋体, Arial, Helvetica, sans-serif; line-height: 27px; font-size: 18px; word-break: normal; text-align: justify; color: rgb(45, 45, 45); text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><strong style="padding: 0px; margin: 0px; box-sizing: border-box; font-family: inherit;">让科技型企业成为银行“座上宾”</strong></p><p style="padding: 7px 0px; margin-top: 0px; margin-bottom: 0px; box-sizing: border-box; font-family: Microsoft YaHei, 微软雅黑, 宋体, Arial, Helvetica, sans-serif; line-height: 27px; font-size: 18px; word-break: normal; text-align: justify; color: rgb(45, 45, 45); text-wrap-mode: wrap; background-color: rgb(255, 255, 255);">“不用抵押，也不需要知识产权质押。”3月25日，政策发布会上，坐在台下的湖北精微视达公司财务总监李生斌十分欣喜，公司刚刚获得300万元的知识价值信用贷。</p><p style="padding: 7px 0px; margin-top: 0px; margin-bottom: 0px; box-sizing: border-box; font-family: Microsoft YaHei, 微软雅黑, 宋体, Arial, Helvetica, sans-serif; line-height: 27px; font-size: 18px; word-break: normal; text-align: justify; color: rgb(45, 45, 45); text-wrap-mode: wrap; background-color: rgb(255, 255, 255);">精微视达是鄂州的一家科技型企业，专注于早期肿瘤精准诊疗领域，是中国细胞级内镜行业的领军企业。“企业每年研发投入占整个企业运营总额的40%，去年就投入了500万元。”李生斌说，每年能否顺利拿到融资，是决定企业生存发展的重要因素。</p><p style="padding: 7px 0px; margin-top: 0px; margin-bottom: 0px; box-sizing: border-box; font-family: Microsoft YaHei, 微软雅黑, 宋体, Arial, Helvetica, sans-serif; line-height: 27px; font-size: 18px; word-break: normal; text-align: justify; color: rgb(45, 45, 45); text-wrap-mode: wrap; background-color: rgb(255, 255, 255);">科技型企业资产轻，研发投入高、回报周期长、风险高，缺少抵押物，类似精微视达的企业难以成为银行眼中的“香饽饽”“座上宾”。</p><p style="padding: 7px 0px; margin-top: 0px; margin-bottom: 0px; box-sizing: border-box; font-family: Microsoft YaHei, 微软雅黑, 宋体, Arial, Helvetica, sans-serif; line-height: 27px; font-size: 18px; word-break: normal; text-align: justify; color: rgb(45, 45, 45); text-wrap-mode: wrap; background-color: rgb(255, 255, 255);">眼下，以人工智能、大数据、脑机接口等为代表的战略性新兴产业正在引领全球新一轮的科技革命。人才、发明、数据、专利等日益成为企业最值钱的资产。</p><p style="padding: 7px 0px; margin-top: 0px; margin-bottom: 0px; box-sizing: border-box; font-family: Microsoft YaHei, 微软雅黑, 宋体, Arial, Helvetica, sans-serif; line-height: 27px; font-size: 18px; word-break: normal; text-align: justify; color: rgb(45, 45, 45); text-wrap-mode: wrap; background-color: rgb(255, 255, 255);">基于此，我省审时度势，创新推出知识价值信用贷款，依托“智慧大脑”平台，围绕企业科技创新要素生成知识价值评价模型，引导支持金融机构应用评价结果为科技型企业提供授信。知识价值信用贷款作为一种轻资化、信用化、便利化的新型债权融资模式，无需任何抵押，不用任何保证金，企业凭借自身的知识价值就能获得贷款。</p><p style="padding: 7px 0px; margin-top: 0px; margin-bottom: 0px; box-sizing: border-box; font-family: Microsoft YaHei, 微软雅黑, 宋体, Arial, Helvetica, sans-serif; line-height: 27px; font-size: 18px; word-break: normal; text-align: justify; color: rgb(45, 45, 45); text-wrap-mode: wrap; background-color: rgb(255, 255, 255);">中南财经政法大学教授、盘古智库学术委员叶青称，湖北高校科研院所众多，科技型创新企业数量庞大，构建知识价值信用评价体系并发放贷款，将有效激活湖北科创资源优势，有效破解科技企业融资难题，激发经济活力。</p><p style="padding: 7px 0px; margin-top: 0px; margin-bottom: 0px; box-sizing: border-box; font-family: Microsoft YaHei, 微软雅黑, 宋体, Arial, Helvetica, sans-serif; line-height: 27px; font-size: 18px; word-break: normal; text-align: justify; color: rgb(45, 45, 45); text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><strong style="padding: 0px; margin: 0px; box-sizing: border-box; font-family: inherit;">破解传统科技金融“四难”</strong></p><p style="padding: 7px 0px; margin-top: 0px; margin-bottom: 0px; box-sizing: border-box; font-family: Microsoft YaHei, 微软雅黑, 宋体, Arial, Helvetica, sans-serif; line-height: 27px; font-size: 18px; word-break: normal; text-align: justify; color: rgb(45, 45, 45); text-wrap-mode: wrap; background-color: rgb(255, 255, 255);">统计显示，截至2024年底，全省高新技术企业达到3万家、科技型中小企业达到4.5万家，连续4年保持20％以上的增长。近年来，湖北省不断完善金融支持科技创新体系，先后推出创新积分贷、科技人才贷等一系列创新举措，分别累计发放贷款513亿元、79亿元；但与上海、广东、江苏、浙江等地相比，科技金融仍是湖北科技创新与产业创新深度融合的短板。“科技型企业很多都只拥有专利等无形资产，但专利到底价值多少，评估存在困难。银行对企业债务偿还能力很难作出判断，是过去难以根据无形资产放贷的原因之一。”业内人士表示。</p><p style="padding: 7px 0px; margin-top: 0px; margin-bottom: 0px; box-sizing: border-box; font-family: Microsoft YaHei, 微软雅黑, 宋体, Arial, Helvetica, sans-serif; line-height: 27px; font-size: 18px; word-break: normal; text-align: justify; color: rgb(45, 45, 45); text-wrap-mode: wrap; background-color: rgb(255, 255, 255);">3月25日，政策发布会现场，武汉海亿新能源科技有限公司、湖北嘉韵化工科技有限公司、湖北小锂能源科技有限公司、宜昌兴越新材料有限公司等21家企业成为首批获贷企业，中行、建行等金融机构首批发放贷款1.79亿元。</p><p style="padding: 7px 0px; margin-top: 0px; margin-bottom: 0px; box-sizing: border-box; font-family: Microsoft YaHei, 微软雅黑, 宋体, Arial, Helvetica, sans-serif; line-height: 27px; font-size: 18px; word-break: normal; text-align: justify; color: rgb(45, 45, 45); text-wrap-mode: wrap; background-color: rgb(255, 255, 255);">据介绍，知识价值评价模型评价指标主要包括创新人才、研发投入、研发活动、知识产权、创新产品、创新服务、创新品牌7个指标维度。评价结果按A、B、C、D、E五个等级分别对应5类授信层次，合作银行提供期限不超过3年、单笔额度不超过1000万元的信用贷款。</p><p style="padding: 7px 0px; margin-top: 0px; margin-bottom: 0px; box-sizing: border-box; font-family: Microsoft YaHei, 微软雅黑, 宋体, Arial, Helvetica, sans-serif; line-height: 27px; font-size: 18px; word-break: normal; text-align: justify; color: rgb(45, 45, 45); text-wrap-mode: wrap; background-color: rgb(255, 255, 255);">“必须以改革的思维破解科技型企业融资难题。”省科技厅副厅长夏松表示，传统科技金融仍然面临银行与科技企业信息难对称、模式难匹配、供需难平衡、风控难配套等“四难”。科技型企业知识价值信用贷款就是要充分开发其知识价值的信用空间，为企业提供“全线上、纯信用、优利率”的授信支持，获得“轻资产、宽信用、便利化”贷款，为科技企业发展壮大提供更加充足的金融活水。</p><p style="padding: 7px 0px; margin-top: 0px; margin-bottom: 0px; box-sizing: border-box; font-family: Microsoft YaHei, 微软雅黑, 宋体, Arial, Helvetica, sans-serif; line-height: 27px; font-size: 18px; word-break: normal; text-align: justify; color: rgb(45, 45, 45); text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><strong style="padding: 0px; margin: 0px; box-sizing: border-box; font-family: inherit;">政府“亏”一点 算好小账与大账</strong></p><p style="padding: 7px 0px; margin-top: 0px; margin-bottom: 0px; box-sizing: border-box; font-family: Microsoft YaHei, 微软雅黑, 宋体, Arial, Helvetica, sans-serif; line-height: 27px; font-size: 18px; word-break: normal; text-align: justify; color: rgb(45, 45, 45); text-wrap-mode: wrap; background-color: rgb(255, 255, 255);">这次推出的知识价值信用贷款，既面向省内所有符合条件的银行，又面向省内全部28.5万家科技型企业。银行不分大小，企业也不分大小。</p><p style="padding: 7px 0px; margin-top: 0px; margin-bottom: 0px; box-sizing: border-box; font-family: Microsoft YaHei, 微软雅黑, 宋体, Arial, Helvetica, sans-serif; line-height: 27px; font-size: 18px; word-break: normal; text-align: justify; color: rgb(45, 45, 45); text-wrap-mode: wrap; background-color: rgb(255, 255, 255);">交通银行湖北省分行党委书记、行长曾伟宏认为，知识价值信用贷款是“市场更有效，政府更有为”的有力举措，是解决创新“阳光、土壤、空气和水分”的关键措施。</p><p style="padding: 7px 0px; margin-top: 0px; margin-bottom: 0px; box-sizing: border-box; font-family: Microsoft YaHei, 微软雅黑, 宋体, Arial, Helvetica, sans-serif; line-height: 27px; font-size: 18px; word-break: normal; text-align: justify; color: rgb(45, 45, 45); text-wrap-mode: wrap; background-color: rgb(255, 255, 255);">企业不向银行提供抵押等担保，那么如何解除银行的后顾之忧与风险呢？为此，省市两级共同设立知识价值信用贷款风险补偿资金，各地还将对贷款企业叠加财政贴息等政策支持。</p><p style="padding: 7px 0px; margin-top: 0px; margin-bottom: 0px; box-sizing: border-box; font-family: Microsoft YaHei, 微软雅黑, 宋体, Arial, Helvetica, sans-serif; line-height: 27px; font-size: 18px; word-break: normal; text-align: justify; color: rgb(45, 45, 45); text-wrap-mode: wrap; background-color: rgb(255, 255, 255);">“这是短期主义与长期主义，小账与大账的权衡。”中南财经政法大学教授、金融学院副院长胡宏兵说，湖北是科教大省、人才大省，科技型企业众多。短期来看，政府会“亏”一点风险补偿资金，一旦科技企业壮大发展，对湖北发展的引领性又将是革命性的，就如同DeepSeek等“六小龙”对杭州的带动性。为了让本地“科创”种子尽快长成参天大树，必须解决其轻资产债权融资难题，才能孵化培育一批战略性新兴产业、未来产业的“狼群”。</p><p style="padding: 7px 0px; margin-top: 0px; margin-bottom: 0px; box-sizing: border-box; font-family: Microsoft YaHei, 微软雅黑, 宋体, Arial, Helvetica, sans-serif; line-height: 27px; font-size: 18px; word-break: normal; text-align: justify; color: rgb(45, 45, 45); text-wrap-mode: wrap; background-color: rgb(255, 255, 255);">据了解，为了尽快融入湖北的此项创新举措，建设银行已率先打通与“智慧大脑”平台的直连互通。湖北省分行党委书记、行长江文波称，该行已经开发“知识价值信用贷”专属产品、专属额度、专属优惠利率，通过建行“惠懂你”APP构建了“3分钟申贷、0人工介入、1秒钟放款”的301极速通道。</p><p style="padding: 7px 0px; margin-top: 0px; margin-bottom: 0px; box-sizing: border-box; font-family: Microsoft YaHei, 微软雅黑, 宋体, Arial, Helvetica, sans-serif; line-height: 27px; font-size: 18px; word-break: normal; text-align: justify; color: rgb(45, 45, 45); text-wrap-mode: wrap; background-color: rgb(255, 255, 255);">“全流程线上傻瓜式操作，让企业随时随地能贷到钱，让每一粒种子都有盛开的机会。”在叶青看来，以知识价值信用贷款、科创企业创新积分贷、科技人才贷、AIC股权投资基金等为代表的科技金融产品，正在助推湖北形成热带雨林式科技金融环境。</p><p style="-webkit-tap-highlight-color: transparent; margin: 0cm 0cm 0.0001pt; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; text-wrap-mode: wrap; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; line-height: normal; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(136, 136, 136); letter-spacing: 0.544px; font-size: 14px;"><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 0px;"></span></span></p><p></p><section style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; text-wrap-mode: wrap; overflow-wrap: break-word !important;"><section powered-by="xiumi.us" style="-webkit-tap-highlight-color: transparent; margin: 0.5em 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"><section style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; height: 1px; background-color: rgb(160, 160, 160); line-height: 2em;"><br style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></section></section></section><p></p><p style="-webkit-tap-highlight-color: transparent; margin: 0cm 0cm 0.0001pt; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; text-wrap-mode: wrap; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; line-height: normal; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.544px; color: rgb(136, 136, 136); font-size: 14px;"><span style="color: rgb(136, 136, 136); font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 14px; letter-spacing: 0.544px; text-wrap-mode: wrap;">来源：湖北日报</span></span></p><p style="-webkit-tap-highlight-color: transparent; margin: 0cm 0cm 0.0001pt; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; text-wrap-mode: wrap; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; line-height: normal; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.544px; color: rgb(136, 136, 136); font-size: 14px;">制作：万轶 | </span><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(136, 136, 136); letter-spacing: 0.544px; font-size: 14px;">编辑：熊霞 | </span><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.544px; color: rgb(136, 136, 136); font-size: 14px;">责编：方军</span></p><p style="-webkit-tap-highlight-color: transparent; margin: 0cm 0cm 0.0001pt; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; text-wrap-mode: wrap; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; line-height: normal; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(136, 136, 136); font-size: 14px; letter-spacing: 0.544px; line-height: 19.2pt;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.544px;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.544px;"><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">出品：</span></strong>蔡甸区融媒体中心</strong></span></p><p style="-webkit-tap-highlight-color: transparent; margin: 0cm 0cm 0.0001pt; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; text-wrap-mode: wrap; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; line-height: normal; box-sizing: border-box !important; overflow-wrap: break-word !important;"><br/></p><p style="-webkit-tap-highlight-color: transparent; margin: 0cm 0cm 0.0001pt; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; text-wrap-mode: wrap; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; text-align: center; line-height: normal; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.544px; color: rgb(136, 136, 136); font-size: 14px;">您有新闻线索，请联系我们：</span></p><p style="-webkit-tap-highlight-color: transparent; margin: 0cm 0cm 0.0001pt; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; text-wrap-mode: wrap; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; line-height: normal; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.544px; color: rgb(136, 136, 136); font-size: 14px;">新闻热线：027-84942678</span></p><p style="-webkit-tap-highlight-color: transparent; margin: 0cm 0cm 0.0001pt; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; text-wrap-mode: wrap; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; line-height: normal; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.544px; color: rgb(136, 136, 136); font-size: 14px;">投稿邮箱：2187431778@qq.com</span></p><link rel="stylesheet" href="//bbs.whcdrm.com/source/plugin/wcn_editor/public/wcn_editor_fit.css?v134_MKZ" id="wcn_editor_css"/>
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