“技术流”帮扶高原特色农业 兴业银行昆明分行金融“活水”赋能产业升级

Group 1 - Laisier Dairy has become a leading enterprise in Yunnan Province, ranking third in dairy product sales and first in yogurt sales, thanks to financial support [1] - The bank has developed a new financial support model for highland characteristic agriculture, focusing on evaluating the "technical genes" of enterprises rather than requiring hard asset collateral [3][4] - In January 2024, the bank was included in a pilot program for technology innovation financing loans by the Yunnan Provincial Science and Technology Department, allowing it to offer significant interest subsidies [3] Group 2 - The "Technical Flow" evaluation system converts soft strengths like technological qualifications and intellectual property into hard currency for financing, addressing the challenges faced by agricultural enterprises with limited assets [4] - The financing model based on "technical credit" is being replicated across various highland characteristic industries, including dairy, tea, and coffee [6] - By April 2025, Laisier Dairy successfully utilized a loan of 30 million yuan, contributing to the local economy by purchasing over 62,000 tons of fresh milk and paying 260 million yuan to farmers [6][7] Group 3 - The bank has introduced a series of innovative financial products to support characteristic industries, providing flexible financing based on business orders and operational data [7] - As of April 2025, the bank's agricultural loan balance exceeded 8.5 billion yuan, demonstrating its commitment to empowering highland industries through technology and tailored services [7]