兴业银行青岛分行首笔“鲁科贷”助力新材料企业科技成果转化落地

Core Viewpoint - The issuance of a 10 million yuan "Shandong Province Technology Achievement Transformation Loan" by Industrial Bank's Qingdao branch marks a significant step in supporting specialized and innovative enterprises, particularly in the tungsten industry, which is becoming crucial for the photovoltaic sector [1][2]. Group 1: Financial Support and Policy - The "Lu Ke Dai" loan product is designed to address the financing challenges faced by high-tech and high-growth enterprises, with the government providing a risk compensation mechanism that covers up to 90% of the loan risk [1]. - The policy includes fiscal subsidies that cover 40% of the actual interest paid and a one-time subsidy of up to 500,000 yuan, effectively reducing financing costs for enterprises [1][2]. - This initiative aims to facilitate the transformation of technological achievements and support early-stage technology companies in overcoming financing difficulties [1]. Group 2: Industry Impact and Strategic Focus - Tungsten, recognized for its high strength and fine wire diameter, is increasingly replacing traditional carbon steel wire in the photovoltaic industry, enhancing cutting efficiency and reducing waste [1]. - The Qingdao branch of Industrial Bank emphasizes its commitment to developing technology finance, aligning with national strategies and focusing on serving the real economy [2]. - The bank has been directing credit resources towards strategic emerging industries such as new energy and new materials, enhancing its support for technological innovation [2].