"5 million dollars, to the account!" When the cell phone came to the funds in place of the tone, the person in charge of the enterprise a long sigh of relief, the tightly locked brow also thus unfolded.
Recently, an enterprise in the biomedical valley of the new area received a license issued by the Jiangbei New Area Branch of Bank of Nanjing.5,000,000 RMB "Xin Pharmaceutical Loan" Pure Credit LoanThe loan is like "timely rain" to ease the financial pressure on this enterprise in the critical R&D stage. For this enterprise, which is in the key stage of R&D, this loan is like "timely rain" to ease the financial pressure, and the core R&D project can be steadily promoted.
01 You can get a loan without collateral.
Not only this enterprise, in the "Xin drug loan" support, not long ago, another enterprise in the pharmaceutical valley also obtained 5 million yuan loan, used to promote the core research product line.
It is understood that this is a high-tech emerging enterprises, around the core patented technology, the team launched a series of tumor-specific protein 70 detection-related reagents. Currently, the company's core product line is progressing well and has entered the key stage of transformation of research and development results.
Promoting pipeline and results transformation implies higher R&D investment; while the enterprise is still in the R&D stage, it lacks fixed assets collateral and is difficult to provide collateral security required by traditional banks. As a result, the team was once faced with financial constraints in its daily operations.
Enterprises have difficulties, the new area to think of ways. New District Finance Bureau, Life and Health Office, Science and Technology Investment Group multi-departmental linkage, and the Bank of Nanjing Jiangbei New District Branch jointly launched a financial innovation product "Xin Drug Loan", has become the key to crack the predicament.
According to the report."XinPharma Loan is a purely credit-based financial product that eliminates the need for counter-security measures such as pledges. This means that even enterprises with a lack of collateral have a new channel to obtain financing.In the end, as the first credit enterprise of "Xin Pharmaceutical Loan", this enterprise got a credit line of 5 million yuan in only 2 working days.
"Bank of Nanjing Jiangbei New Area Branch made a professional assessment of the market value, pipeline progress and the possibility of commissioning and listing of our products under research, and quickly completed the credit approval." Relevant staff of the enterprise said that with the financial support, the company's innovative product development process is being fully accelerated, laying a solid foundation for production and listing.
02 Launched exclusively for companies in the Valley of Pharmaceuticals
There is no need to provide collateral to solve the financing problem. It is worth mentioning that this financial product, which isDesigned and launched for the specific industry clustering scenarios in the Biomedical Valley of the New District.The
"Previously, the Pharmaceutical Valley convened enterprises and financial institutions to discuss, we also jointly visited the relevant enterprises with the Bank of Nanjing." Fan Xiaotao, the person in charge of Jiangbei New Area Green Financing Guarantee Co., Ltd. under the Science and Technology Investment Group, introduced that in the collection of demands, they found that the biomedical enterprises have common difficulties: the start-up period of the enterprise, revenue growth is limited, and most of them favor the "asset-light, heavy research and development" mode of operation; the lack of pledge, and it is difficult to meet the requirements of the traditional bank pledge financing; finally, the financing channels are limited, which restricts the development of enterprises. The lack of collateral makes it difficult to meet the requirements of traditional banks for pledge financing; ultimately, financing channels are limited, which restricts the development of enterprises.
In response to this pain point, all parties have joined forces to provide Pharmacy Valley businesses withTailored."Xin Pharmaceutical Loan". According to the introduction. "Xin drug loan" by the financial institutions and guarantee companies to share the risk, where the place of business registration or actual operation in the biomedical valley, and selected Jiangbei New Area Life and Health Industry Development Management Office recommended "white list" of enterprises can be processed.
"After a business applies, we and the bank will do risk control.Enterprise environmental assessment, tax credit, credit, etc., are the key to judging; at the same time, the technical strength of the enterprise and the value of the product will also be taken into accountThe company's "guarantee" is more like a "guarantee with an eye for investment", said Fan Xiaotao. Fan Xiaotao said, this is more like "using the vision of investment as a guarantee", not only for the financing needs of high-quality enterprises to provide efficient and convenient financial services, but also to promote the high-quality development of the regional economy.
"Xin medicine loan" landing, for the pharmaceutical valley enterprises to broaden the financing channels. A sum of money smoothly to the account, but also drive a project growth.
Not only innovative financial products, in July, a precise docking meeting was also held in Biomedical Valley of the New District to build a communication and docking platform for high-quality biomedical projects and professional investors, which eventually attracted nearly 100 investment institutions and financial institutions to attend the meeting.
The financial strength of the support for industrial development into the "source of living water". Under Longwang Mountain, there will be more kinetic energy rushing.
