Core Insights - The article highlights the evolving landscape of financial services for small and medium-sized enterprises (SMEs) in Xi'an, particularly in the context of the aviation and technology sectors [2][3][10] - Banks are shifting their focus from traditional credit services to comprehensive financial solutions that support the entire lifecycle of businesses, emphasizing long-term partnerships and growth [3][5][10] Group 1: Financial Innovations and Services - Xi'an Feixiang Dream Aviation Experience Base, established by Xi'an Xianghui Electromechanical Technology Co., has attracted nearly 150 enterprises in the aviation cluster, with total loans exceeding 10 billion yuan, 80% of which are secured through equipment and credit loans [2] - Postal Savings Bank of China introduced the "Small Micro Easy Loan" product, utilizing a blockchain platform to provide loans to upstream suppliers based on contracts from core enterprises, marking a significant innovation in supply chain financing [2][3] - The focus on empowering quality SMEs is evident, as banks are now assessing not just the immediate financial needs but also the long-term growth potential of businesses [3][9] Group 2: Technology and Risk Assessment - The establishment of specialized technology banks, such as the SPD Bank's hard technology branch, aims to address the unique challenges faced by high-tech SMEs, which often lack traditional financial metrics like income and profit [7][8] - SPD Bank has adopted a differentiated assessment approach, reducing the emphasis on traditional metrics like scale and profit, and instead focusing on technology-driven financial evaluations [7][8] - The financial regulatory authority is pushing for a more supportive framework for SMEs in the technology sector, encouraging banks to adopt differentiated performance assessments [9][12] Group 3: Support for Small and Micro Enterprises - The "Qin Chuang Yuan" innovation-driven platform in Xi'an has been instrumental in connecting technology entrepreneurs with financial resources, addressing the gap between technical expertise and financial acumen [10] - The Xi'an Banking Association reported significant engagement with SMEs, facilitating loan agreements totaling 3.55 billion yuan through various initiatives aimed at enhancing financial support for technology-driven enterprises [11] - As of April 2025, the national financing coordination mechanism for SMEs has resulted in over 18 trillion yuan in new credit, with a significant portion being unsecured loans, reflecting a shift towards more accessible financing options [12]
金融向新 陪伴中小科技企业“长大”
Zhong Guo Qing Nian Bao·2025-06-30 20:42