SPD BANK(SH:600000) Hua Xia Shi Bao·2025-07-03 14:20Core Viewpoint - The article highlights the emergence of hard technology in the energy sector, particularly through the use of unmanned aerial vehicles (UAVs) for pipeline inspection, which significantly enhances efficiency and safety in monitoring oil and gas pipelines [2][3][4]. Group 1: Hard Technology Implementation - The deployment of intelligent unmanned storage facilities allows drones to autonomously take off and patrol pipelines, improving efficiency by 26 times and achieving an anomaly detection accuracy of over 95% [2]. - Inno Technology has deployed 185 storage facilities and 142 drones, covering over 4,000 kilometers of pipeline, thus playing a crucial role in ensuring the safety of cross-border energy channels along the Belt and Road [3]. Group 2: Financial Support for Hard Technology - The establishment of the first specialized bank branch for hard technology, the Hard Technology Branch of Shanghai Pudong Development Bank in Xi'an, aims to support small and medium-sized tech enterprises during their startup and growth phases [2][8]. - The Hard Technology Branch has increased its credit limit for Inno Technology to 50 million yuan, providing various financial services to support the company's development [6]. Group 3: Focus on Innovation and Growth - The Hard Technology Branch has set a goal for hard technology loans to account for no less than 70% of its total loan portfolio, with a focus on early-stage and growth-stage tech companies [9]. - As of the end of 2024, the Hard Technology Branch's technology loan balance exceeded 1.5 billion yuan, with over 95% of its loans directed towards technology enterprises [10]. Group 4: Unique Evaluation and Support Mechanisms - The bank has developed a "Five Forces Model" to evaluate tech enterprises based on innovation capability, team research strength, equity competitiveness, performance capability, and debt repayment ability [11]. - The Hard Technology Branch has maintained a "zero non-performing loan" record while providing credit support to over 200 tech companies [12]. Group 5: Ecosystem and Community Building - The Hard Technology Branch aims to create a supportive ecosystem for tech enterprises by providing not only financial services but also facilitating connections with investment institutions and industry parks [16][17]. - The branch has served 235 tech enterprises, including 33 national-level specialized "little giant" companies, becoming a significant financial support for the growth of regional tech firms [18].