履约贷款更加切合科技型中小企业的实际情况和特点,最大程度减少了信息的不对称为推进本市科技企业快速发展,并推进国家科技和金融相结合战略的落地,从2010年8月起,上海市科委与金融办共同推出“上海市科技型中小企业履约保证保险贷款”试点工作,建立贷款风险共担机制,由政府、银行和保险公司共担科技型中小企业贷款风险,开创了“国内银行+保险公司”联合参与贷款产品的先例。 Compliance loans more in line with the actual situation and characteristics of science and technology SMEs to minimize the asymmetric information to promote the rapid development of science and technology enterprises in the city and promote national science and technology and financial integration strategy landing from August 2010 onwards, Shanghai Science and Technology Commission and Finance Office jointly launched a pilot project entitled “Shanghai SME Performance Guarantee Insurance Loans” to establish a loan risk sharing mechanism and shared the loans of science and technology SMEs by governments, banks and insurance companies, A precedent for the joint participation of “domestic banks + insurance companies” in participating loan products.