近日，财政部、科技部、工业和信息化部、金融监管总局四部门联合发布通知，印发《支持科技创新专项担保计划》，旨在通过政策手段进一步激活科技创新活力，推动高质量发展。该计划的核心内容包括提高分险比例、强化金融支持，旨在为科技型中小企业提供更加灵活、高效的资金支持。
#### 提高分险比例，强化风险共担
根据计划，银行和政府性融资担保体系分别按不低于贷款金额的20%、不高于贷款金额的80%分担风险责任。此外，融担基金分险比例从20%提高至最高不超过40%，省级再担保机构分险比例则不低于20%。这一政策设计旨在减轻金融机构的信贷风险，鼓励银行增加对科技型中小企业的贷款投放，同时也提升了政府性融资担保体系的服务效能。
#### 引导金融资源投向科技创新领域
科技创新类中小企业是经济发展的关键驱动力，但因缺少有效抵质押物，常面临融资难、融资贵的问题。《支持科技创新专项担保计划》的实施，通过政策引导和风险共担机制，有效降低了银行和担保机构对这类企业的信贷风险顾虑，从而引导更多金融资源投向科技创新领域，助力企业技术研发和产业升级。
#### 加强政策绩效考核，突出服务导向
为确保政策效果，该计划特别强调了绩效考核机制的建立。中央财政将对融担基金的科技创新再担保业务进行单列考核，包括年度业务规模、代偿率等关键指标。地方财政部门也将相应完善考核制度，提高对政府性融资担保、再担保机构开展科技创新业务的代偿率上限考核要求，以促进政策的高效执行，确保资金精准投向科技创新领域，服务实体经济和科技创新的双重目标。
### 结语
《支持科技创新专项担保计划》的出台，体现了政府对科技创新的高度重视和大力支持。通过优化金融支持体系，减轻中小企业融资压力，该计划将为科技型中小企业提供更加有力的资金保障，推动科技创新成果的转化和应用，促进经济高质量发展，实现高水平科技自立自强。
英语如下：
### Joint Initiative by Four Ministries Launches Special Program to Bolster Innovation and Technology in SMEs
Recently, the Ministry of Finance, the Ministry of Science and Technology, the Ministry of Industry and Information Technology, and the State Administration of Financial Supervision jointly issued a notice and published the “Special Program to Bolster Innovation and Technology in SMEs,” aiming to further energize the innovation and technology drive through policy interventions and promote high-quality development. The program’s core features include increasing the risk-sharing ratio, strengthening financial support, and providing more flexible and efficient funding to technology-oriented small and medium-sized enterprises (SMEs).
#### Enhancing Risk-Sharing and Strengthening Risk Co-responsibility
Under the program, financial institutions and government-backed financing guarantee systems are required to share the risk of loans in a ratio of no less than 20% and no more than 80% of the loan amount, respectively. The risk-sharing ratio for the financing guarantee fund has been increased from 20% to a maximum of 40%, while the risk-sharing ratio for provincial-level re-guarantee institutions is set at a minimum of 20%. This policy design is aimed at mitigating the credit risks for financial institutions, encouraging them to increase their lending to technology-oriented SMEs, and enhancing the operational efficiency of government-backed financing guarantee systems.
#### Guiding Financial Resources to the Innovation and Technology Sector
Technology-oriented SMEs are key drivers of economic development but often struggle with funding due to a lack of effective collateral. The implementation of the “Special Program to Bolster Innovation and Technology in SMEs” alleviates concerns over credit risks for these enterprises by financial institutions through policy guidance and risk-sharing mechanisms. This leads to more financial resources being directed towards the innovation and technology sector, facilitating enterprise R&D and industrial upgrading.
#### Establishing Performance Evaluation Mechanisms with a Focus on Service Orientation
To ensure the effectiveness of the policy, the program emphasizes the establishment of performance evaluation mechanisms. The central government will separately assess the performance of the financing guarantee fund’s innovation and technology re-guarantee business, focusing on key indicators such as annual business volume and the rate of default. Local fiscal authorities will also refine their evaluation systems, increasing the upper limit of the rate of default for government-backed financing guarantee and re-guarantee institutions conducting innovation and technology business. This promotes the efficient execution of the policy and ensures that funding is precisely directed towards the innovation and technology sector, serving the dual goals of the real economy and high-tech self-reliance.
### Conclusion
The launch of the “Special Program to Bolster Innovation and Technology in SMEs” reflects the government’s high regard and strong support for innovation and technology. By optimizing the financial support system and alleviating the funding pressure on SMEs, the program provides more robust funding guarantees for technology-oriented SMEs, driving the transformation and application of innovation and technology outcomes, and promoting high-quality economic development and the achievement of high-level technological self-reliance.
【来源】http://www.chinanews.com/cj/2024/07-26/10258083.shtml
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