Sou Hu Cai Jing·2025-04-14 08:24Core Viewpoint - The event in Guiyang High-tech Zone showcased specialized credit products aimed at alleviating financing difficulties for technology-based enterprises, featuring low interest rates and quick approval processes [1][4]. Group 1: Credit Products Offered - China Postal Savings Bank introduced "Kechuang e-loan" with a maximum online credit limit of 20 million yuan, and "Kechuang loan" with a maximum limit of 50 million yuan, offering an average annual interest rate of 3.4% [1][3]. - Agricultural Bank of China presented various financing products including "Weijie loan" with a maximum limit of 3 million yuan at an interest rate as low as 3.3%, and "Dianfei loan" targeting small manufacturing enterprises with a maximum limit of 500,000 yuan [3][4]. Group 2: Target Audience and Approval Process - The credit products are tailored for small and micro technology enterprises, including high-tech enterprises and those with intellectual property, emphasizing operational conditions over asset verification [3][4]. - The approval process is efficient, with online applications allowing for instant approval, addressing the financing challenges faced by startups with limited tax records but strong technology patents [3][4]. Group 3: Impact and Future Plans - The successful promotion of these financial products signifies a critical step in building a technology finance service system in Guiyang High-tech Zone, aiming to bridge the financing gap for enterprises [4]. - Guiyang High-tech Zone plans to continue developing platforms for bank-enterprise connections, enhancing the integration of financial resources with technological innovation elements to support regional high-quality development [4].