微众银行联合深圳征信打造科技初创通，以“政数银担”创新模式解决科创企业融资难题

Core Insights - The article highlights the successful implementation of the "Technology Startup Pass" credit financing product, which has alleviated financial pressures for small and micro enterprises in Shenzhen through a streamlined application process [1][2]. Group 1: Product Overview - The "Technology Startup Pass" is a credit financing product developed by WeBank in collaboration with Shenzhen Credit Service Co., aimed at supporting innovative small and micro enterprises [1]. - The product operates under a "government-data-bank-guarantee" model, leveraging government policy support, data capabilities from credit institutions, and digital banking services to create a multi-layered risk-sharing system [1][2]. Group 2: Impact and Reach - As of March 2025, WeBank has served 2,454 technology enterprises in Shenzhen through the "Technology Startup Pass," with total loans exceeding 2.4 billion yuan [2]. - The product has successfully reached early-stage and startup enterprises, with the smallest having only 10 employees and the youngest established just one year ago [2]. Group 3: Data Utilization - The "Technology Startup Pass" utilizes a differentiated assessment model based on the data capabilities of Shenzhen Credit, allowing for tailored credit evaluations for over 200,000 early-stage technology enterprises [2]. - This approach moves beyond traditional reliance on government-supported lists, enabling access to a broader range of potential borrowers [2]. Group 4: User Experience - The product features a fully online application process, eliminating the need for collateral and physical account opening, thus enhancing user experience [2]. - Approximately 30% of the loans issued under the "Technology Startup Pass" are supported by guarantees from policy-backed financing institutions, significantly reducing financing costs for enterprises [2]. Group 5: Market Accessibility - The "Technology Startup Pass" effectively addresses the financing gap for small and micro enterprises by utilizing the "Xiao Wei Tong" platform to enhance accessibility and satisfaction in financial services [3]. - WeBank plans to replicate and promote this successful model in more regions across the country to further support the financing needs of small and micro enterprises and contribute to high-quality economic development [3].