浙江嘉善农商银行 科创孵化贷为初创企业送“甘露”

Core Viewpoint - Zhejiang Rural Commercial Bank's Jiaxing branch successfully issued a 1 million yuan "Science and Technology Innovation Incubation Loan" to Dongfang Changguang Health Technology (Jiaxing) Co., Ltd, marking a significant step in supporting the transformation of scientific and technological achievements through its "Five Special and Five Link" financial system [1][2]. Group 1 - The "Science and Technology Innovation Incubation Loan" is designed to provide financial support for small and micro enterprises, particularly in the medical device sector, helping them overcome funding challenges during critical research phases [1][2]. - Dongfang Changguang Health Technology is focused on innovative medical devices, specifically a spectral therapy instrument, which is expected to gain significant market traction and clinical importance [1]. - The loan will assist the company in obtaining a Class III medical device certification, which is crucial for its development [1]. Group 2 - The "Five Special and Five Link" financial service system includes specialized organizational structures, professional talent teams, dedicated evaluation mechanisms, exclusive financial products, and responsible risk management [2]. - The "Science and Technology Innovation Incubation Loan" offers a maximum financing amount of 3 million yuan with favorable interest rates, primarily using credit guarantees to meet the funding needs of early-stage technology enterprises [2]. - The bank has developed a diverse ecosystem of technology financial products, including "Science and Technology Index Loans," covering three growth stages of enterprises: incubation, growth, and maturity [3]. Group 3 - As of June 2023, the bank has supported 635 technology enterprises with a loan balance of 8.601 billion yuan, demonstrating its commitment to fostering innovation and growth in the sector [3].