Jin Rong Shi Bao·2025-07-31 05:34Core Viewpoint - The article highlights the challenges faced by technology-driven enterprises in securing financing and how Agricultural Bank of China Yichun Branch has introduced "Tech e-loan" to empower these companies in their innovation journey [1] Group 1: Financial Performance - As of June 2025, the Yichun Branch reported a net increase of 659 million yuan in loans to technology enterprises, representing a growth rate of 13.58% compared to the previous year [1] - The branch's manufacturing loans increased by 1.439 billion yuan, ranking first within the Agricultural Bank of China Jiangxi Province system [1] - The "Tech e-loan" product has a balance of 470 million yuan, serving 72 enterprises [1] Group 2: Service Initiatives - The Yichun Branch established a special leadership group for technology finance to conduct thorough outreach services in industrial parks, engaging over 400 enterprises and compiling more than 70 detailed financing demand lists [1] - A 13-day concentrated visit was conducted in early 2025, surveying 67 enterprises and collecting 27 financing needs to inform future financial services [1] Group 3: Product Advantages - "Tech e-loan" offers efficient service processes and lower financing costs, making it highly attractive to technology companies [2] - For instance, Jiangxi Houding Energy Technology Co., Ltd. received 5 million yuan in credit within three days of applying, with interest rates 10% lower than traditional loans [2] - A IoT company secured a 2 million yuan pre-approval within 2 hours by pledging a patent certificate, showcasing the quick turnaround of the service [2] Group 4: Online Platform and Management - The Yichun Branch utilizes the "Inclusive e-Station" online platform, achieving a 45% conversion rate for online applications in Q2 2025, significantly enhancing service efficiency [3] - A dynamic management mechanism for a "white list" of technology enterprises has been established, providing tiered services to those in the Jiangxi Province technology SME database [3] - In Q2 2025, 67% of new loans were allocated to lithium battery new energy, biomedicine, and high-end equipment manufacturing sectors, with over 80% of loans to small micro-enterprises under 10 million yuan [3] Group 5: Future Plans - The Yichun Branch aims to deepen technology financial services, enhance product innovation, optimize service processes, and strengthen collaboration with government, associations, and enterprises [3] - The focus will be on meeting the needs of specialized and innovative "little giant" enterprises, facilitating their growth from "seedling" to "tree" [3]