HUA XIA BANK(SH:600015) Xin Lang Cai Jing·2025-06-25 08:15Core Viewpoint - The article discusses how Huaxia Bank is innovating its financial services to support the development of new productive forces in the context of a new round of technological revolution and industrial transformation, particularly focusing on the "Keda Silicon Valley" model in Hefei [2][16]. Group 1: Financial Innovation and Collaboration - Huaxia Bank is addressing the financing challenges faced by technology startups, such as "difficult first loans, high financing costs, and risk of funding gaps" through a collaborative model involving government, platforms, and innovative products [3][5]. - The Hefei branch has signed a strategic cooperation agreement with the "Keda Silicon Valley" service platform to implement a three-pronged collaborative mechanism of "government-bank cooperation + platform empowerment + product innovation" [5][8]. Group 2: Risk Mitigation and Support Mechanisms - The government provides a maximum risk compensation of 2 million yuan per client to alleviate banks' reluctance to lend [6]. - A "white list" of quality startups is established to facilitate interest subsidies for loan applicants, effectively reducing financing costs [7]. Group 3: Product Development and Lifecycle Support - Huaxia Bank has optimized its product design to create a "relay system" for financing needs, supporting startups from initial loans to follow-up loans [9][10]. - The bank's rapid approval mechanism and credit renewal support help prevent funding gaps during the growth cycle of startups, as exemplified by the case of Anhui Visible Technology Co., Ltd. [11]. Group 4: Ecosystem Development and Service Integration - The Hefei branch is deeply embedded in the "Keda Silicon Valley" innovation chain, promoting a systematic approach to financial services through a "dual-line co-construction" strategy [12]. - The collaborative model has already covered 35 technology companies, with over 70 million yuan in pure credit loans disbursed, establishing a new benchmark for inclusive finance in Anhui Province [14]. Group 5: Future Directions and Strategic Goals - The "Keda Silicon Valley" model represents a significant exploration for Huaxia Bank in implementing the central government's requirements for accelerating the formation of new productive forces [16]. - The bank aims to deepen regional development strategies and enhance the financial support system to foster the growth of innovative ecosystems, ultimately nurturing competitive regional innovation [16].