The innovative mechanism of "white list" for cultural enterprise investment and financing was implemented in Dongcheng
2024-08-23
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Recently, Dongcheng District and the Beijing Regulatory Bureau of the State Financial Supervision and Administration officially issued the "Several Measures on Accelerating the Construction of the National Cultural and Financial Cooperation Demonstration Zone and Promoting Financial Support for the High-Quality Development of Cultural Enterprises" (hereinafter referred to as the "Several Measures"). The city's first "white list" mechanism for high-quality cultural enterprises provides a solution to the financing difficulties of cultural enterprises by linking evaluation results with bank loans and government support policies.
Dongcheng District focuses on core cultural fields such as publishing, games, and film and television, understands the problems these companies face in the financing process, and works closely with the Beijing Financial Regulatory Bureau. The "white list" mechanism uses data as a yardstick to accurately measure the growth potential and operating strength of companies, providing financial institutions with an intuitive and clear reference basis. It effectively solves the financing difficulties of traditional cultural companies caused by insufficient collateral, difficult asset pricing, and weak credit foundation, especially provides strong support for cultural export companies to resist exchange rate fluctuations, and paves a "fast lane" for efficient injection of financial resources into high-quality cultural companies.
To ensure the effective operation of the "white list" mechanism, Dongcheng District and the Beijing Financial Regulatory Bureau have established a dual guarantee mechanism of dynamic push and real-time update. Through a scientific and systematic evaluation system, a group of high-quality cultural enterprises are continuously selected and recommended to enter the "white list" to ensure the timeliness and accuracy of the list. Dongcheng District uses technical means to improve the intelligence level of the "white list" mechanism and realize dynamic monitoring of the business conditions of enterprises and risk warning.
The "Several Measures" strengthen the cooperation between banks and guarantee institutions, encourage banks and guarantee institutions to deepen cooperation, jointly launch a new financing guarantee model of "specific products + green channel", speed up the approval process, and open a green channel to provide high-quality cultural enterprises with fast and convenient financing channels. It encourages investment and loan linkage to focus on high-quality cultural enterprises with high growth potential, high expected corporate valuations, and good cash flow expectations on the "white list". By promoting close cooperation between banks and industrial funds and investment institutions, equity investment and credit support can be coordinated to meet the financing needs of cultural enterprises in rapid development.
In addition, the "Several Measures" also encourage cultural financial institutions in the demonstration zone to use intellectual property as a core indicator for evaluating high-quality cultural enterprises, establish an appropriate intellectual property pledge financing risk assessment and approval system, and continuously optimize the credit process.
Faced with the challenge of complex cultural asset pricing, the "Several Measures" actively promote cross-border cooperation between banking and insurance institutions and intellectual property management institutions, professional asset evaluation institutions, cultural industry parks, etc. By innovating intellectual property pledge targets and launching a series of special financial products and services for intellectual property pledge financing, the problem of difficult cultural asset pricing can be better solved, and more diversified financing channels can be provided for cultural enterprises.
It is reported that Dongcheng District has also joined hands with the Beijing Branch of the People's Bank of China to create the "Cultural Financial Products Supermarket", an online comprehensive service platform.
The platform integrates functions such as credit product information disclosure, bank-enterprise financing matching, cultural investment and financing services, and talent exchange. It brings together 48 special loan products provided by 28 banks, comprehensively covering the financing needs of cultural enterprises throughout their life cycle from start-up to maturity. It greatly shortens the supply and demand distance between banks and enterprises, allowing cultural enterprises to obtain financing support conveniently and efficiently, and realizing the "fingertip" and "efficiency" of financing services.
