Shan Xi Ri Bao·2025-05-13 22:59Group 1 - The first "R&D Insurance + R&D Loan" project in Shaanxi has been launched, providing a 5 million yuan special R&D loan and 1.5 million yuan risk coverage for an AI-focused enterprise [1] - This initiative marks the first implementation of a financial service loop in Shaanxi that combines "technology insurance enhancement" and "risk management" to address the financing difficulties and high R&D risks faced by tech SMEs [1] - The project includes a technology R&D expense loss insurance that compensates for R&D interruptions due to operational difficulties, talent loss, or equipment failure [1] Group 2 - A digital assessment system has been co-built by the bank and the insurance company, allowing for dynamic risk modeling and optimizing credit decisions, resulting in a 40% acceleration in processing time and a nearly 30% reduction in insurance rates [2] - The collaboration aims to strengthen policy guidance and create a virtuous cycle of "technology R&D - commercial transformation - financial support" to foster new productive forces [2]