让民营企业茁壮成长

Core Viewpoint - The Agricultural Bank of China Yichun Branch is committed to providing comprehensive financial support to private enterprises, which are crucial for economic growth, innovation, and job creation in Yichun, Jiangxi Province [1] Group 1: Innovative Financial Products - The Yichun Branch has launched the "Technology e-loan" product to address financing difficulties faced by technology-oriented SMEs, allowing companies to use intellectual property as collateral instead of fixed assets [2] - Jiangxi Jindieli Packaging Co., Ltd. secured a credit line of 10 million yuan through patent pledges, demonstrating the effectiveness of the new financing model [2] - As of June 2025, the balance of "Technology e-loan" products reached 470 million yuan, serving 72 enterprises, with over 80% of loans granted to micro-enterprises, and an average interest rate reduction of 0.3 percentage points compared to the previous year [2] Group 2: Enhanced Service Mechanisms - The Yichun Branch established a special leadership group for technology finance and a dynamic management system for a "white list" of technology enterprises [3] - The "Three Special and Two Fast" service system was created to provide tailored solutions, specialized channels, and professional teams for rapid response and implementation [3] - A dual-track mechanism involving branch leaders and dedicated personnel has facilitated engagement with 6,904 enterprises, compiling a detailed financing demand list of 5,024 entries [3] Group 3: Technology Empowerment - The Yichun Branch utilizes financial technology to enhance service efficiency, including the "Inclusive e-Station" online platform for streamlined loan applications [4] - The online application conversion rate reached 45% in the first half of the year, indicating improved accessibility for SMEs [4] - The development of a "Smart Risk Control Brain" has increased the accuracy of pre-loan screening by 40%, effectively managing risks while improving service efficiency [4] - As of June 2025, the balance of loans to private enterprises increased by 1.243 billion yuan year-on-year, with 12 enterprises recognized as provincial-level specialized and innovative firms [4]