Xin Lang Cai Jing·2025-04-27 10:15Core Viewpoint - The article highlights the innovative approach of Zhejiang Zheshang Bank in providing financial support to technology-driven enterprises by focusing on "soft information" such as talent and technology rather than traditional collateral and cash flow metrics [1][5][6]. Group 1: Company Overview - Heli Technology Co., Ltd., founded in June 2018, specializes in industrial digitalization and AI technology, with over 60% of its workforce dedicated to R&D [1]. - Zhejiang Zheshang Bank has approved a credit limit of 25 million yuan for Heli Technology through its "Talent Bank" product, emphasizing the importance of talent in assessing creditworthiness [1]. Group 2: Financial Support Mechanisms - The bank's "Talent Bank" model focuses on understanding the talent within technology companies, allowing for credit assessments based on the capabilities of the management team and the market competitiveness of their products [5][6]. - In 2022, the bank provided a credit line of 30 million yuan to Jiangfeng Electronic Materials Co., Ltd., a leader in chip materials, based on the expertise of its chairman, a national-level talent [4]. Group 3: Challenges Faced by Tech Companies - Technology companies often face challenges such as unstable cash flow, lack of sufficient collateral, long R&D cycles, and high risks compared to traditional industries [5][6]. - For instance, Zhejiang Fubao Intelligent Technology Co., Ltd. experienced a surge in orders for its robots but faced significant funding pressure for production [3]. Group 4: Market Trends and Insights - The article notes a growing trend of financial institutions, including Zhejiang Zheshang Bank, exploring ways to support early-stage technology companies by addressing their unique financing needs [2][5]. - As of the end of 2024, Zhejiang Zheshang Bank has served 30,712 technology enterprises with a financing balance of 367.4 billion yuan, indicating a robust commitment to supporting the tech sector [7][8].