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不看抵押看大数据“画像”:创新积分破解成都科技企业授信贷款难题
Zhong Guo Xin Wen Wang·2025-04-23 07:03

Group 1 - Chengdu has launched an innovative credit loan product called "Points Loan" to address the financing difficulties faced by technology-based small and medium-sized enterprises (SMEs) [1][2] - Since the launch of the "Points Loan" policy in December 2023, Chengdu has provided over 1.312 billion yuan (approximately 0.2 billion USD) in credit support to 230 technology-based SMEs [1] - The "Points Loan" is part of a broader suite of technology financial loan products, including "Talent Loan" and "Achievement Loan," aimed at integrating innovation and funding [1][2] Group 2 - Chengdu has developed an "Enterprise Innovation Points Information Management Platform" to create a scoring system for enterprises, which includes six primary indicators and 55 secondary indicators [2] - The maximum credit amount for the "Points Loan" can reach 10 million yuan (approximately 1.5 million USD), allowing enterprises to convert points into credit and reduce interest rates [2] - Over 40,000 enterprises in Chengdu have completed their "innovation points profile," covering various industries and stages of enterprise development [2]