China's first "technology credit card" issued for small and medium-sized enterprises was born in Zhangjiang, Pudong. In the future, technology enterprises can get the maximum credit line of 6.5438+0.5 million without any mortgage, which is another "gift" for technology enterprises in the process of building a global science and technology innovation center in Shanghai.
The main body of establishing a scientific and technological innovation center is an enterprise. However, many technology-based enterprises, especially small and medium-sized enterprises, are often "stuck" in turnover because of light assets and difficult mortgage financing.
In order to solve the turnover problem of small and medium-sized enterprises, under the leadership of Zhangjiang Hi-tech Park Management Committee and Zhangjiang Enterprise Credit Promotion Center, Pudong Science and Technology Financing Guarantee Co., Ltd., together with China Bank, Shanghai Bank, Ningbo Shang Tong Bank and Jiangsu Bank, jointly researched and launched the "Science and Technology Credit Card".
As long as it is a scientific and technological R&D enterprise registered in Zhangjiang, it can apply for a credit card with a minimum of 654.38+10,000 yuan and a maximum of1.5,000 yuan after filling in the credit file. Different from ordinary loans, "technology credit card" is not restricted by use, and technology enterprises can completely control it. And the amount in the card can be repaid with the loan, which fills the gap of pure credit short-term financing products for Shanghai SMEs.
At present, more than 300 enterprises have applied for credit cards. Yesterday, the first batch of enterprises that got this card said that the technology card really helped small and medium-sized technology enterprises in the initial stage and solved everyone's urgent needs.
Banks changed their cautious style and dared to issue "credit cards" to small and medium-sized enterprises. This courage comes from the gradual improvement of Zhangjiang's credit system. Lin Benchu, deputy director of Zhangjiang Management Committee, said that in 20 15 years, the park will continue to make full use of the established credit Zhangjiang database, and launch a series of innovative technology and finance services and products closely related to enterprise credit files according to different stages of enterprise growth, so that trustworthy enterprises in the park can obtain different degrees of financial support.