Zheng Quan Ri Bao·2025-05-13 15:51Core Viewpoint - Financial institutions are accelerating their integration into the low-altitude economy industry chain, providing a financial engine for its development [1] Group 1: Financial Institutions' Involvement - Shanghai Volant Aviation Technology Co., Ltd. signed strategic cooperation agreements with Bank of China Financial Leasing Co., Ltd. and Bank of China branches, with plans to purchase 100 eVTOL aircraft and a credit line of no less than 1 billion yuan [1] - Financial institutions are diversifying their involvement in the low-altitude economy, moving from simple credit support to equity investment and financial leasing, thereby fostering the growth of industry chain enterprises [1][2] - As of now, there are approximately 86,500 low-altitude economy-related enterprises in China, many of which are capital and technology-intensive [2] Group 2: Challenges in Financing - Low-altitude economy enterprises face financing difficulties due to high R&D costs and long commercialization cycles, leading to a mismatch with traditional bank loan terms [3] - The core value of these enterprises often lies in intangible assets like patents and R&D teams, making it hard to meet traditional financial institutions' collateral requirements [3] - The overall ecosystem of the low-altitude economy is still in its infancy, which complicates market expectations and increases financing thresholds [3][4] Group 3: Financial Support Strategies - Major state-owned banks and leading national joint-stock banks are primarily involved in financing the low-altitude economy, with customized credit funding being the most common form of support [4] - For instance, the Industrial and Commercial Bank of China provided 1.4 billion yuan for the construction of the Zigong Aviation Industrial Park [4] - Recently, five banks jointly provided 1.26 billion yuan in syndicated loans to support the construction of Xiaopeng Huaitian's flying car manufacturing base [4][5] Group 4: Optimizing Financial Services - Various regions have begun to implement top-level planning and guidance documents to support the low-altitude economy, such as Sichuan Province's financial support for various low-altitude equipment projects [6] - Financial institutions are encouraged to develop differentiated credit models and innovative financing tools to address the unique characteristics of low-altitude economy enterprises [7] - Establishing a specialized risk assessment system and enhancing government-bank-enterprise cooperation mechanisms are recommended to create a multi-level financing system [7]