Longwan District presents awards to financial institutions that have made outstanding contributions to supporting local economic development.

The integration of technology and finance to help the high-quality development of self-created areas is one of the important contents of the creation of "two health" pioneering areas in the new era.

In order to give full play to the main role of local finance, Longwan District fully supports the development of small and micro enterprises in the region, actively explores the reform and innovation in technology and finance, helps science and technology enterprises break through the financing bottleneck, and builds a "fully closed-loop" technology and finance service system serving the construction of Wenzhou National Independent Innovation Demonstration Zone. At the same time, broaden the channels for enterprises to find capital, graft capital and embrace capital, effectively solve the problem of "difficult, expensive and slow" financing, realize the quick, convenient and seamless connection between scientific and technological resources and financial capital, and make it a model of deep integration of Wenzhou and technology and finance.

Mutual benefit between banks and enterprises

Send a "warm heart soup" to the private economy

"Very unexpectedly, I didn’t expect a patent certificate to apply for a loan." Mr. Lin, general manager of a shoe machine enterprise in Wenzhou, said excitedly, "Thanks to the intellectual property financing business launched by government departments, we have enough funds to continue production."

This enterprise is an independent manufacturer of high-tech shoe-making equipment. In recent years, it has successively developed new equipment such as intelligent folding machine and intelligent cutting machine, and applied for many patents. With the increase of uncertainties in foreign markets, it has encountered the problem of capital turnover. "Just when we were at a loss, the business assistant brought us good news, and the company’s intellectual property rights had the opportunity to be exchanged for money." Mr. Lin said that after contacting Longwan Rural Commercial Bank, it didn’t take long for the company to apply for a financing of 1 million yuan with its self-developed equipment patent.

At present, there are 1306 provincial high-tech SMEs and 205 high-tech enterprises in Longwan District, many of which are small and medium-sized enterprises like this. In order to help these small and medium-sized enterprises, which value technology over assets, solve the problems of insufficient funds and support the development of enterprises, Longwan District and Longwan Rural Commercial Bank jointly developed "specialized loan" products for intellectual property pledge financing, and changed "equity assets" into credit assets. At present, the fund gap of 157 million yuan has been solved for 93 small and micro scientific enterprises in the region, and the value of intellectual property rights has been further exerted.

In addition, Longwan District is the first in the province to launch "enterprise environmental loan" and change "credit data" into credit assets. Innovatively launched "contract loan" products, changed "pre-purchased assets" into credit assets, and handled the first mortgage loan business of pre-registration of first-hand commercial housing in the province, which solved the problem that "forward housing cannot be loaned".

Jian Sun, director of the financial service center of Longwan District, said that in recent years, Longwan District has insisted on resonating with the real economy at the same frequency, and through specialized operation, characteristic development and systematic operation, it has continuously innovated and optimized financial products, linkage mode and enterprise-helping services, continuously injecting financial blood into small and medium-sized technology enterprises in our city and creating a "golden business card" for Wenzhou technology and finance service.

Information becomes "gold"

One-stop financing service platform breaks through financing obstacles

Financial activities, economic activities; Financial stability and economic stability. Serving the real economy is the bounden duty of the financial industry, and it is also a fundamental measure to prevent and resolve financial risks. In view of the practical problems such as few financial institutions’ outlets, narrow coverage, low penetration rate, narrow financing channels for technology-based enterprises, multi-head contact and multi-site operation, Longwan District relies on Wenzhou technology and finance Center to effectively integrate resources such as technology banks, venture capital, guarantees and financial intermediaries to build a comprehensive service platform covering the whole process of financing docking, screening, matching, negotiation and tracking services.

"Convenient, really convenient!" This is a compliment to the comprehensive service platform after small and micro enterprises advocate that Mr. Wang obtain information and get loans quickly. It is reported that the comprehensive service platform has opened up an online information acceptance platform and an offline meeting room, giving full play to the role of a bridge and providing comprehensive financing services for enterprises and financial institutions.

"Financing is difficult and expensive" is an important problem in financial development. The comprehensive service platform introduces big data to accurately match supply and demand. Through investigation, visiting enterprises and sharing resources with departments, we will systematically collect and integrate the information of local enterprises and financial institutions, and establish a database integrating the financing demand information of scientific and technological enterprises (projects), technology and finance service information and investor information.

Through this model, enterprises with financing needs can choose suitable financial institutions and financial products according to their own conditions, just like entering a supermarket. Financial institutions can also "sit in the right place" and directly and accurately grasp the financing intention, qualification, credit, operating conditions and industry reputation of enterprises, effectively reducing credit risks.

At present, the database has collected 52 financial institutions, more than 200 science and technology enterprises with financing needs and more than 180 "double innovation" projects, and pushed more than 300 pieces of financing information to enterprises or institutions, speeding up the access of enterprises to financing such as science and technology credit and equity investment.

A basket of new policies

Help microfinance to try first.

Small and micro enterprises are at a disadvantage in the financing chain because of insufficient effective collateral, imperfect financial system and weak ability to resist risks. In view of the fact that technology-based enterprises have light assets, small scale, and "double high" financing threshold and cost, Longwan District systematically integrates low-cost financial resources, and promotes the "double reduction" of financing threshold and cost through measures such as guiding fund-driven, interest subsidy policy support and financing risk sharing.

In the face of difficulties, the government plays an active guiding role. By exploring the "1+N" parent-child fund investment model and amplifying the capital leverage through the sub-funds, social capital is driven to invest in strategic emerging industries, high-tech industries, advanced manufacturing industries and other fields that are closely related to economic transformation and upgrading. At present, 43 equity investment funds have been introduced through government guidance funds, and the asset management scale has exceeded 4 billion yuan.

As long as small and micro enterprises are immersed in industry, there is always a group of "smart stars" behind them. In view of the problem of expensive financing for enterprises, Longwan District has implemented discount subsidies for working capital loans and venture guarantee loans for small and medium-sized enterprises. An intelligent technology co., Ltd. in Wenzhou, because it has a patent right for scientific research and development, meets the conditions for handling patent pledge loans, and finally obtained a loan of 2 million yuan from Hangzhou Bank Science and Technology Sub-branch with its patent right as pledge, and the enterprise can also apply to the government for partial interest relief on the patent pledge loans.

Longwan District has also established a risk sharing mechanism of "government+bank+guarantee institution", guiding financial institutions to jointly tailor financial services such as bank investment, joint loan and credit guarantee for enterprises, and promoting the cooperation between technology banks and guarantee companies to set up a risk compensation fund pool for technology enterprise loans, so as to effectively reduce the financing risk of enterprises. Hangzhou Bank Science and Technology Sub-branch innovatively launched the "Kebao Loan" product, relying on the technology guarantee provided by the municipal financing guarantee company, and issued a total of 14.5 million yuan of corporate loans to 4 households.

On this basis, Longwan District launched a nanny service, followed by "sticking a pole to the end" and "internet plus Road Show" to further smooth the financing channels. At the same time, it broadcasted live on domestic platforms such as technology and finance Information Service Platform and Shenzhen Stock Exchange in China High-tech Zone, and conducted real-time interactive exchanges with more than 4,000 domestic venture capital institutions and more than 10,000 investors, and recorded and broadcasted high-quality road show projects to relevant platforms for promotion. At present, the center has held a total of 98 roadshows, including more than 410 projects, including 16 live roadshows, with an average online viewing volume of over 67,000. (Reporter Lin Yingying)

　　　　 Kanye Omari West, a rap superstar, stopped using one of his social accounts without giving much explanation.

　　On Tuesday afternoon (April 18th), Mr. Kan posted a screenshot photo on a social account, showing the last step of application. His account can be temporarily suspended with one click, and his home page could not be searched on the social platform after a few minutes.

　　This is not the first time that Mr. Kan has quit the Internet. Before that, he was opposed and supported by Donald Trump because of his performance of saturday night live, and he stopped using the social platform twice in October 2018 and September 2020. In October last year, after Kanye made anti-Semitic remarks, his account was temporarily banned by the software official. He went to another social platform and posted a picture containing Nazi ten thousand characters. As a result, his account was suspended by his friend Elon Musk in December, and he lost his voice on two social platforms. Up to now, Mr. Kan’s third social account is all right, but it has not been updated since he changed his avatar on December 8 last year, and he has not registered the most popular social media platform.

　　Born in Chicago, Kanye seems to want to keep a low profile and enjoy the family life with his new wife Bianca Censori. Bianca, a 28-year-old Australian designer, works under Kanye. In January this year, the couple held a small wedding, but it was said that it was not legal.

　　It is reported that Grandpa Kan has given up his plan to run for president in 2024. The insider revealed: "After a cooperative election campaign-or at least getting more attention through his appearance in marginal media like InfoWars-Kanye’s two campaign aides began to tear each other apart." This infighting prevented Kanye’s campaign from advancing, so he decided to withdraw from the general election. He said: "Now, I just want to live a good life-focus on school, Tangda College, my new wife and my children, that’s all. I don’t want to be noticed. "

　　It is only temporarily suspended, not permanently cancelled, so the subtext of Kanye can be applied to the famous sentence "I will definitely come back". (Bubu)

　　Beijing Youth Daily News (Reporter Jiang Ruojing) Before the end of next month, patients can make an appointment for the number source of the tertiary general hospital of the social office through the unified platform for appointment and registration in Beijing. A few days ago, the Municipal Health and Health Commission issued the "Notice on the Access of Social-run Third-level General Hospitals to Beijing’s Unified Platform for Appointment Registration". Social-run Third-level General Hospitals that normally open outpatient services to the public in the city can voluntarily choose to access the unified platform according to the actual situation. Hospitals in need can apply to the Beijing Municipal Health and Health Commission’s Medical Administration Office, and the Municipal Health and Health Commission will coordinate the hospitals to connect with the Beijing Unified Platform for Appointment Registration.

　　The Municipal Health and Health Commission stressed that the unified platform for appointment registration in Beijing adheres to the principle of public welfare service, and the appointment registration service provided through the unified platform shall not charge the appointment registration service fee. At present, the unified platform for appointment and registration in Beijing provides appointment and registration services for 147 secondary and tertiary public hospitals in Beijing.

　　The Municipal Health and Health Commission requires that the social-run tertiary general hospitals that are included in the platform should realize the full-number, full-number, full-source open reservation, and focus on ensuring that key departments and characteristic departments with large demand from the masses reserve the number of sources; Provide various forms of appointment services, including unified platform telephone appointment and online appointment services, as well as inter-clinic appointment, on-site appointment and community referral appointment; The first outpatient consultation is registered according to the department and title, and the patients who return to the clinic can be registered by the doctor through the appointment of return visit; The registration service provided by the hospital on the unified platform for appointment registration should be reserved for 3 months; Strengthen real-name registration system’s appointment registration and medical treatment, and verify the patient’s real name identity in triage and medical treatment; The appointment shall be made in different periods, and the appointment period shall be exactly within 30 minutes, and the number of doctors visiting in the morning and afternoon shall be reasonably allocated to increase the number of doctors visiting in the afternoon.

　　The Municipal Health and Health Commission requires that all hospitals should strengthen the overall management between the unified platform and other forms of appointment sources in the hospital. According to the appointment needs of patients in our hospital, the number and proportion of different numbers and different appointment methods should be adjusted in a timely manner, and patients should be guided to use the appointment method through the number source delivery mechanism. At the same time, it is necessary to do a good job of service connection with the unified platform, and reasonably divide the professional or specialist source categories uploaded to the unified platform according to the principle of not naming names, so as to ensure the accuracy of patient appointment and treatment.

　　Each hospital outpatient service should be equipped with an appointment consultation desk, equipped with corresponding service facilities and equipment and standardized, clear and easy-to-understand service signs; To strengthen the management of doctors’ visits, doctors should have examination and approval procedures and make-up requirements when stopping their visits, and timely arrange doctors with the same professional title to make up for their visits. For patients who have successfully made an appointment through the unified platform, according to the system of no roll call, the hospital should ensure that they see a doctor within the appointment time. Hospitals should also strengthen the education and training of medical staff, do a good job in making appointments for diagnosis and treatment services and emergency handling, and cooperate with Beijing Unicom to do a good job in training telephone booking service personnel on the unified platform to ensure service quality.

　　The Municipal Health and Health Commission said that all social tertiary general hospitals need to complete the access to the unified platform before the end of August this year. It is understood that the unified platform for appointment registration in Beijing is the official appointment registration channel designated by the Beijing Municipal Health and Health Commission. The platform does not provide the same-day appointment service. Users can make an appointment to access the number sources of most departments of the unified platform hospital from the next day to three months. The unified platform does not make an appointment by name according to the hospital, department, title and specialty. The specific appointment registration period and source information shall be subject to the 114 service telephone inquiry and website publicity.