新沂农商银行引金融活水精准润泽科创沃土

Core Insights - Technological innovation is identified as the core engine for high-quality development, with finance serving as the essential support for innovation [1] - Xinyi Rural Commercial Bank aligns its strategy with the national innovation-driven development strategy, positioning technology finance at the core of its operations [1] Group 1: Strategic Framework - The bank emphasizes top-level design and mechanism collaboration to create a "system synergy" for efficient service delivery to innovative enterprises [1] - A multi-departmental collaborative mechanism is established to ensure efficient lifecycle service for technology enterprises, from market expansion to post-loan management [1] Group 2: Product Innovation - The bank focuses on specialized and innovative small and medium-sized enterprises, utilizing a local evaluation system to convert "technology flow" into "capital flow" [1] - Innovative financial products such as "loan + equity rights" are introduced to balance risk and support light-asset enterprises throughout their financial lifecycle [1] Group 3: Risk Sharing and Model Innovation - The bank leverages provincial risk compensation policies to reduce reliance on traditional collateral, promoting the "Su Ke Loan" product to enhance lending confidence [2] - As of August 2025, the bank has supported 22 high-tech enterprises with a total loan amount of 164 million yuan [2] - Customized credit products for specialized enterprises have been developed, with 950,000 yuan disbursed to enhance core competitiveness [2] Group 4: Future Directions - The bank aims to deepen cooperation with government and financial institutions, exploring diverse models such as intellectual property pledges and investment-loan linkage [2] - Continuous optimization of the technology innovation rating model is planned to meet the financial needs of enterprises throughout their lifecycle [2]