楚天都市报讯 （记者刘茜 实习生王琳通讯员周凡 张静）与美国硅谷仅一字之差的中国光谷，聚集着两万余家科技中小企业和湖北省接近一半的上市公司。昨日，展区设在光谷的金博会现场，那些从前被银行拒之门外，却颇具成长性的科技型企业，成了不少银行的最爱。

Chutian metropolis daily - (Reporter intern reporter wang Lin actor ZhouFan zhang jing)And the United States only the change of one word silicon valley of China optical valley,Come together more than twenty thousand scientific and technological small and medium-sized enterprises in hubei province and close to half of the listed company.yesterday,Area is located in the optical valley of the gold expo site,Those who had been kept out of the bank,But a growth of science and technology enterprises,Many Banks became a favorite.

　　湖北省银监局透露，目前9家科技专营机构在光谷安营扎寨，6家商业银行成立科技专营团队，60家创投机构、9家担保公司落户关谷，这里成了中国科技金融机构最集中的地区之一。

Hubei province (CBRC) said,At present nine technology specializing in institutions in optical valley camp,Six commercial Banks established specializing in science and technology team,60 vc institutions/Nine guarantee company GuanGu settled in,Here has become China's science and technology financial institutions the most concentrated regions.

　　仅凭几项发明专利和几名研发人员，没有固定资产，市场前景不明，这种企业，银行能放款吗？这一直是困扰银行和科技型中小企业的“哥德巴赫猜想”。

With only a few invention patent and several research personnel,No fixed assets,Market prospect is unknown,This kind of enterprise,The bank can loan?This has been troubled Banks and technology-based smes"Goldbach conjecture".

　　对于给科技型企业贷款，已经摸到门道的银行觉得很简单传统银行信贷看过去和现在，科技型企业的信贷要加一项，就是看未来、看潜力、看成长性。

To give science and technology enterprise loan,Have learn the ropes Banks feel very simple traditional bank credit to see the past and the present,Science and technology enterprise credit to want to add a,Is watching the future/See potential/See growth.

　　然而银行要筛选出有价值的企业，要实现批量放贷，必须借助“外脑”。银行需要借助VC（风险投资）的眼睛，判断企业的成长性，从而降低风险。武汉农商行还请来了专家智囊团，把关企业。科技银行获得客户的另一个渠道是科技部门推荐。科技企业从人才引进、创办、立项，到资质评审，每个环节都要跟科技部门打交道。与科技部门合作，银行能降低风险。

But the Banks to screen out valuable enterprise,To realize the batch lending,Must have the aid of"analyze".Banks need with the aid of VC(Risk investment)eyes,Judgment enterprise growth,So as to reduce the risks.Wuhan agriculture businesses also invited experts think tank,Checks enterprise.Science and technology bank get customer's another channel is recommended, science and technology department.Science and technology enterprise from talent introduction/founded/project,To qualification review,Every link to deal with science and technology department.With the science and technology department cooperation,The bank could reduce the risks.

　　今年8月，招行武汉分行与省科技厅合作，提出“国家创新基金补贴贷”，对已获得国家创新基金支持的科技型小企业可先发放补贴贷款，在创新基金到位归还补贴贷款后，符合基本要求的企业可继续收到不低于原有贷款金额的信用贷款。

August,China merchants bank wuhan branch and province by cooperation,Put forward"The national innovation fund subsidies credit",To have access to the national science and technology innovation fund support small businesses will be able to issue subsidies loans,In the innovation fund in place return subsidies after loan,Accord with the basic requirements of the enterprise can continue to receive no less than the original loan amount credit loan.

　　已有银行尝到甜头。汉口银行光谷分行行长杨灿透露，目前该分行信贷客户接近300户，其中有一半多是科技型中小企业。今年存贷款规模中，三分之一是针对科技型中小企业，这三分之一对利润贡献度要远高于这个比例。

Existing taste blood bank.Hankou bank optical valley branch President YangCan revealed,The branch credit customer close to 300 households,There are more than half is small and mid-sized enterprise.This year the loan scale,A third is aimed at small and mid-sized enterprise,The third part a pair of profit contribution to far higher than the proportion.