畅通科创“毛细血管”

Core Insights - The article highlights the significant role of China Bank's Changzhou branch in supporting local technology enterprises, particularly in the hydrogen energy sector, through financial assistance and innovative products [1][4]. Group 1: Financial Support and Initiatives - In 2013, China Bank's Changzhou branch formed a 650 million yuan financing consortium to assist Longcheng Precision Forging in overcoming early financial difficulties [1]. - In 2023, the bank approved a 150 million yuan long-term loan to support Longcheng Precision Forging's 360 million yuan project for developing high-precision components for new energy vehicles [1]. - By the end of 2024, the bank's technology finance credit balance reached 20.302 billion yuan, with an increase of 8.792 billion yuan, marking a growth rate of 76.38% [1]. Group 2: Establishment of Dual Centers - In 2024, China Bank's Changzhou branch established two centers: the Technology Finance Center and the Sci-Tech Innovation Finance Center, aimed at directing financial resources to technology innovation [2]. - The bank utilizes external data to create precise profiles of technology enterprises and collaborates with government departments to address financing challenges through targeted matchmaking events [2]. Group 3: Product Innovation and Service Enhancement - The bank has developed a "Technology Finance Exclusive Credit Business" to streamline the approval process for technology enterprises, reducing the average approval time by half [4]. - The introduction of the "Innovation Points Loan" in 2023 features a smart credit model tailored for technology companies, integrating AI technology for accurate credit assessments [4]. - The bank has launched 20 support measures for key customer groups in inclusive finance, including differentiated credit policies for specialized and new technology enterprises [4][5]. Group 4: Direct Engagement with Enterprises - China Bank's Changzhou branch has formed specialized service teams to conduct in-depth research on enterprises' needs, providing tailored financial consulting services [6]. - As of the end of 2024, the bank supported 1,115 small and micro technology enterprises with loans totaling 7.49 billion yuan, with a notable focus on specialized and new technology customer groups [6]. - The bank organized 17 matchmaking events for technology enterprises, providing 720 million yuan in credit support to 116 companies [7].