Zhong Guo Zhi Liang Xin Wen Wang·2025-08-21 08:04Core Viewpoint - The "Quality Credit Enhancement" financing model in Chengdu, Sichuan, transforms companies' quality management and innovation achievements into tangible financial assets, facilitating easier access to loans for small and medium-sized enterprises (SMEs) without collateral [1][2][3] Group 1: Financing Model - The "Quality Credit Enhancement" model was developed by the market supervision department in Chengdu, allowing companies to convert their quality attributes into bank credit, thus addressing the financing challenges faced by tech-driven SMEs [2][3] - This model quantifies 40 quality factors, including quality credit, management, branding, and innovation, which can be integrated into existing bank credit products, enhancing loan amounts and reducing interest rates [1][2] Group 2: Impact on Companies - Chengdu Xinghuiteng Group successfully secured a loan of 10 million yuan with doubled credit limits and a reduced interest rate of 0.6 percentage points, enabling the company to pursue larger orders and invest in innovation [1] - Chengdu Meifute Membrane Environmental Technology Co., Ltd. increased its loan amount from an estimated 10 million yuan to 15 million yuan due to the quality factors, allowing for the initiation of key R&D projects and new production lines [2] Group 3: Results and Future Plans - As of July, the model has facilitated over 160 loans totaling 1.127 billion yuan, significantly supporting the high-quality development of enterprises in the region [3] - Future plans include expanding the model's reach by integrating quality credit data into financial institutions and creating a standardized manual for broader implementation [3]