人行肇庆市分行凌宏业：深入推进专项行动，拓宽科技企业融资路

Core Viewpoint - The article emphasizes the importance of promoting the transformation and application of scientific and technological achievements to drive innovation and industrial development in Zhaoqing, Guangdong Province, as part of the broader strategy to integrate into the Guangdong-Hong Kong-Macao Greater Bay Area innovation ecosystem [1][3]. Summary by Sections Financial Support for Technology Transformation - The People's Bank of China (PBOC) in Zhaoqing is implementing a special action plan to enhance financial support for the transformation of technological achievements, addressing the financing challenges faced by technology enterprises, particularly startups and those in growth phases [1][3][4]. Financing Challenges and Solutions - Technology enterprises often encounter financing constraints due to high growth potential coupled with high investment, risk, and long cycles, as well as a lack of collateral [3]. - The PBOC aims to innovate financing models and broaden credit channels by leveraging the unique advantages of technological achievements [3][5]. Financing Mechanisms - The special action plan includes three mechanisms: 1. Certification Mechanism: Establishing a directory of enterprises based on their technological achievements to enhance credit evaluation [5]. 2. Evaluation Mechanism: Encouraging banks to use technology innovation evaluation results as a basis for credit limits and interest rates [5]. 3. Pledge Registration Mechanism: Guiding banks to register technology-related rights as collateral to ensure priority repayment rights [5][6]. Innovative Financing Products - A range of innovative financing products has been developed, including: - "Technology Talent Loan" and "Technology R&D Loan" for the R&D phase [6]. - "Technology Equity Loan," "Technology Contract Loan," and "Patent (Trademark) License Revenue Pledge Financing" for the transformation phase [6][7]. - "Innovation Points Loan" linked to the evaluation of a company's innovation capabilities for the application phase [7]. Implementation Measures - The establishment of a comprehensive directory of technology enterprises has been initiated, with over 1,500 technology enterprises identified as of August 2025 [8]. - Policy promotion activities have been conducted across various districts, engaging 222 technology enterprises and facilitating a total credit amount of 1.18 billion yuan [9]. Achievements and Future Plans - The special action has led to significant financing outcomes, including 17.59 billion yuan in intellectual property pledge financing and various other loans since 2024 [10]. - Future plans include enhancing financial cooperation mechanisms, exploring new financing paths, and promoting diverse financing models to meet the needs of technology enterprises [10].