正文：
近日，中国财政部、科技部、工业和信息化部、国家金融监管总局等四部门联合宣布，将实施支持科技创新专项担保计划，旨在为科技创新类中小企业提供融资支持，缓解其融资难融资贵的问题。
该计划旨在有效发挥国家融资担保基金的引领作用，通过提高对科技创新类中小企业的风险分担和补偿力度，增强地方政府性融资担保机构、再担保机构的担保意愿和能力，引导银行加大对科技创新类中小企业的融资支持力度，撬动更多金融资源投向科技创新领域。
四部门强调，将着力解决项目有前景、技术有竞争力、发展有潜力、知识产权价值高，但因缺少有效抵质押物、难以满足银行贷款条件的科技创新类中小企业融资难融资贵问题。银行和各级政府性融资担保、再担保机构将按照市场化运作和商业可持续原则，自主选择有发展潜力的科技创新类中小企业，依法合规审贷放贷、提供融资担保。
四部门还介绍，银行和政府性融资担保体系将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。融担基金再担保业务单笔担保金额500万元以上的，再担保费率不高于0.5%；单笔担保金额500万元及以下的，再担保费率不高于0.3%。
此外，四部门鼓励合作机构针对不同风险水平、不同资质的经营主体实施差异化担保费率，逐步将对科技创新类中小企业收取的平均担保费率降至1%以下。并将科技创新类中小企业单户在保余额上限从1000万元提高至不超过3000万元。合作机构除贷款利息和担保费外，不得以保证金等名义收取不合理费用，逐步降低科技创新类中小企业综合融资成本。
该计划的实施，预计将为科技创新类中小企业提供更加便捷和高效的融资服务，促进科技进步和产业升级，推动中国经济高质量发展。
英语如下：
News Title: “Four Departments Launch New Plan to Boost Innovative Enterprises’ Financing”
Keywords: Guarantee Plan, Technological Innovation, Financing Support
News Content:
Title: China’s Four Departments Unveil Special Guarantee Plan for Technological Innovation
Recent announcement from the Ministry of Finance, the Ministry of Science and Technology, the Ministry of Industry and Information Technology, and the State Administration of Foreign Exchange, four key departments in China, have jointly unveiled a special guarantee plan for technological innovation aimed at providing financing support to small and medium-sized enterprises (SMEs) focusing on technological innovation, alleviating their difficulties in accessing financing and reducing the cost of capital.
The plan aims to effectively leverage the guiding role of the national financing guarantee fund, by enhancing the risk sharing and compensation for SMEs focusing on technological innovation, strengthening the willingness and capacity of local government-affiliated financing guarantee institutions and reinsurance institutions, guiding banks to increase their financing support to SMEs focusing on technological innovation, and mobilizing more financial resources into the field of technological innovation.
The four departments emphasize that the plan is designed to address the financing difficulties and high costs for SMEs focusing on technological innovation that have promising projects, competitive technology, potential for development, high value of intellectual property rights, but lack effective collateral or cannot meet the bank loan conditions. Banks and government-affiliated financing guarantee and reinsurance institutions will independently select SMEs with development potential, operate in a market-oriented manner, and achieve commercial sustainability, while legally and compliantly lending and providing financing guarantees.
The four departments also introduced that banks and government-affiliated financing guarantee systems will share the risk responsibility at a ratio of no less than 20% and no more than 80% of the loan amount, respectively. For the reinsurance business of the fund, the guarantee rate is not more than 0.5% for single-transaction amounts of 5 million yuan or more, and not more than 0.3% for amounts below 5 million yuan.
Additionally, the four departments encourage cooperation institutions to implement differential guarantee rates for enterprises with different risk levels and qualifications, gradually reducing the average guarantee rate charged to SMEs focusing on technological innovation to below 1%. The single-customer loan balance limit for SMEs focusing on technological innovation has been raised from 1 million yuan to no more than 3 million yuan. Cooperation institutions are prohibited from charging unreasonable fees under the guise of deposits, among other things, and are encouraged to gradually reduce the comprehensive financing costs for SMEs focusing on technological innovation.
The implementation of the plan is expected to provide SMEs focusing on technological innovation with more convenient and efficient financing services, promote technological progress and industrial upgrading, and drive high-quality economic development in China.
【来源】http://www.chinanews.com/cj/2024/07-26/10258281.shtml
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