Jiang Nan Shi Bao·2025-07-02 02:41Core Viewpoint - The article emphasizes the importance of technology finance in supporting Jiangsu's technological and industrial innovation, highlighting the proactive role of Minsheng Bank's Nanjing branch in this initiative [1] Group 1: Financial Innovation and Support - Minsheng Bank Nanjing branch has implemented innovative financial products such as specialized loans and bonds to support technology enterprises, demonstrating a "from 0 to 1" approach in financial innovation [2][3] - The branch has established a dedicated technology branch and a specialized approval process to expedite financial support for technology companies, exemplified by a loan of 44.97 million yuan to Meier Technology for a cross-border acquisition [2][3] - As of March, the Nanjing branch has recognized five technology financial specialty branches, enhancing its capacity to support technology innovation [3] Group 2: Comprehensive Service Model - The "Five Services and Four Loans" model has been introduced to provide comprehensive financial services tailored to the needs of small and medium-sized technology enterprises, focusing on early-stage support and value-added services [6][8] - The "Five Services" include digital management platforms and financial integration tools, while the "Four Loans" focus on credit products that align with the growth characteristics of technology firms [6][7] - The Nanjing branch has served over 7,000 small and medium-sized technology clients, with a loan balance exceeding 8.7 billion yuan, indicating a strong commitment to supporting the technology sector [8][9] Group 3: Technological Integration and Risk Management - The Nanjing branch has developed the "萤火平台" (Firefly Platform) to enhance its technology financial services, utilizing big data and cloud computing for real-time assessments of technology enterprises [10][11] - The branch has introduced automated credit products like "易创E贷" to streamline the approval process, with over 440 approvals amounting to more than 1.8 billion yuan by March [10][11] - A specialized risk management system has been established to cater to the unique needs of small and medium-sized enterprises, ensuring efficient and effective credit management [8][12] Group 4: Ecosystem Development - Minsheng Bank is building an ecosystem by forming alliances with various stakeholders, including government agencies and investment institutions, to provide comprehensive financial services to technology enterprises [12][13] - The bank aims to integrate resources and create a collaborative platform that enhances the financial support available to technology firms, thereby contributing to Jiangsu's innovation-driven development strategy [13]