Comprehensive support for knowledge bases is the gateway to a developed economy

According to the report of Iran Economist, citing the public relations of Sanat and Mine Bank, Tasnim news agency said: Considering the importance of developing technological and innovative activities in the country’s movement towards a knowledge-based economy and turning knowledge into wealth and transitioning from an economy dependent on oil and The need to pay attention to knowledge-based companies and their financing is being raised more and more for the export of single products. In this context, Ali Khorsandian, the CEO of Sanat and Mine Bank, talks about the nature of knowledge-based companies, policies and support programs of the government and banks, especially Sanat and Mine Development Bank.
In an interview with Tasnim, Khorsandian says: During the 44 years that have passed since the victory of the Islamic Revolution, we have witnessed a good development in various industries of the country, and especially in recent years, effective measures have been taken to support manufacturing companies, especially knowledge foundations. It has been done and in order to transform the country into a developed country, we must welcome new ideas in various industries and have special support for knowledge bases. Based on this, the knowledge-based companies in Sanat and Mine Bank, which is a specialized-development bank, are the priority for paying facilities and providing services.

1- What kind of company is called knowledge-based and what are the indicators to recognize that a company is knowledge-based?
Knowledge-based companies are institutions that are formed for the purpose of economic development based on science and knowledge and in line with the expansion of inventions, technologies and innovations, and in fact for the commercialization of the results of scientific research in the stages of designing and producing goods and services.
In order to establish a knowledge-based company, it is necessary to have a new and creative idea, but a series of general and specific criteria are required to recognize the knowledge-based nature of a company.
Regarding the criteria of knowledge-based goods and services, there are issues such as the level of technology, that the goods and services must be in the field of high or medium to high technologies, and it can be difficult to copy, and its acquisition is one of the main obstacles to the entry of other companies into the market, which requires research. and the significant development by the expert technical team, to acquire it and lead to the creation of complex properties or functions in the product or in the field of ancillary services such as installation, maintenance and specialized maintenance of the mentioned goods.

2- In the macroeconomic policies of the government and consequently the banking network, what measures have been taken or are being taken to support knowledge bases?
According to the honorable Minister of Economy, last year, significant facilities were allocated to knowledge-based companies, and this year, which was named the year of production, knowledge-based and job-creating by the Supreme Leader of the Revolution, this amount has increased.
In September of this year, a 4-way memorandum on the implementation of Article 18 of the Knowledge-Based Production Leaps Law in the amount of 400 thousand billion Rials between the Vice-Chancellor for Science and Technology, the Innovation and Prosperity Fund, the Association of Private Banks and Credit Institutions, and the Coordination Council of State and Semi-State Banks with the aim Determining the general frameworks of cooperation in the direction of realizing the knowledge-based economy and implementing the capacities of the knowledge-based production leap law was signed in cooperation between banks and institutions in the field of technology and innovation, based on which, with the interaction between banks and knowledge-based companies, banks in In the long term, they are allowed to participate in investments as partners and share in the risks and risks of investments, although this participation has a limited period so that banks do not get involved in banking and only have a supportive, advisory aspect. bear part of the investment risk.

3- Considering that Sanat and Mine Bank is a specialized bank in the field of granting facilities and credit to production companies, especially knowledge-based companies, what measures have been taken in this bank to support knowledge-based companies and what amount of facilities has been given to this Is the company paid?
In 1400, 133 knowledge-based companies were granted 403 facilities in the amount of 34,275 billion Rials, and in 1401, 315 facilities were paid to 121 companies in the amount of 29,655 billion Rials. It has been in circulation and partly for the purpose of providing fixed capital for these projects.

4- In what fields are the knowledge-based projects that included the mentioned facilities mostly active? In other words, which sectors of industries have been given more facilities by Sanat Va Mine Bank?
These facilities are mostly paid to different industries in petrochemical and oil and gas groups, chemical industries, steel and metal industries, automotive, construction and tile, pharmaceutical, textile and food industries, among which chemical, steel and pharmaceutical industries are the most The amount of facilities they have enjoyed.

5- By paying facilities to knowledge-based companies and exploiting the mentioned plans, how much employment has been created directly?
It is predicted that at least 4000 people will be directly employed with this facility, of course, many job opportunities will be created indirectly in relation to these jobs, which will solve part of the unemployment problem in the country.

6- As a final remark, what points do you consider important and worth mentioning?
With regard to knowledge-based companies, what is important and we see it in developed countries and today it is more important to economic activists, is the economy of knowledge, new ideas, knowledge and mental power and creativity of individuals, not just carrying the title. knowledge base in a physical and closed economy; Many countries, such as China and Japan, are exporters of ideas and technical knowledge, not only physical goods, of course, goods that are produced based on higher knowledge and technology also have a greater ability to enter global markets and a competitive world outside the borders of a country. It turns out that what should be supported are innovations, inventions and ideas in general and their commercialization, which is an inevitable and necessary thing in a world that is rapidly evolving and developing.
We cannot seek comprehensive progress and development of the country and close the doors of our industries to the world and be indifferent to the ideas of those involved in science and industry.
The work of scientists and researchers is to produce science and knowledge and to present ideas, the work of experts in the industry and entrepreneurs is to apply these creative ideas and find ways to commercialize them, and naturally, this work requires financial resources and risk-taking, which in This stage of the work of banks and financial and investment institutions and supporting institutions begins with the identification of knowledge-based and technological companies based on the correct criteria and financing and providing effective and timely consulting services to them, the field of their activity and prosperity. provide