Research on Credit Evaluation System Enabling the Financing Development of Scientific and Technological Innovation Enterprises:Based on the Construction Practice of Hefei Financial Reform Pilot Zone
Sci-tech enterprises are characterized by high investment,high risk,a strong focus on research and development,and low asset intensity.The traditional credit lending model,which relies heavily on asset collateral,struggles to effectively meet the financing needs of sci-tech enterprises.Consequently,the challenge of securing financing for these enterprises is particularly pronounced.Hefei,designated as a state-level pilot zone for science and technology innovation finance reform,exemplifies the targeted influence of the financial supply side and promotes increased financing support from financial institutions for science and technology innovation enterprises.An innovative credit evaluation system known as"Research Value Score"has been developed.This system aggregates various forms of credit information pertaining to Sci-tech enterprises and devises a scoring methodology tailored to their specific characteristics.It aims to assist financial institutions in creating accurate credit profiles for Sci-tech enterprises while effectively increase credit.Ultimately,this initiative seeks to alleviate information asymmetry issues between banks and businesses and facilitate enhanced access to funding for Sci-tech enterprises.Based on the accomplishments in credit evaluation practice for science and technology enterprises,further optimization has been made in core data index collection,evaluation criteria,and expansion of innovation application scenarios,while also strengthening the promotion of applications.
Sci-tech enterprisesfinancing for Sci-tech enterprisesscience and technology innovation financial reform pilot zonecredit evaluation
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NSTL
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