Sou Hu Cai Jing·2025-09-26 00:17Core Insights - The article discusses the innovative "Park Loan" model launched in Shenzhen to address the financing challenges faced by light-asset, high-risk tech startups, leveraging a collaborative mechanism involving government, parks, banks, and guarantee institutions [9][12][15]. Group 1: Financial Innovation - Shenzhen Construction Bank has established partnerships with nearly 100 industrial parks, providing services to over 10,000 enterprises and granting credit exceeding 22 billion yuan by August 2025 [9]. - The "Park Loan" product has transitioned from traditional collateral-based lending to a data-driven credit assessment model, enabling a shift from "one-way blood transfusion" to "ecological symbiosis" [9][10]. - The "Technology e-loan" platform allows for rapid loan approval, reducing processing time from 30 days to as little as 8 minutes, with a maximum loan amount of 10 million yuan [10][11]. Group 2: Data-Driven Credit Assessment - The bank utilizes big data and AI algorithms to create financial profiles for tech companies, incorporating various data points such as business registration, tax information, and market sales [11]. - A collaboration with the Shenzhen Taxation Bureau aims to enhance credit assessment accuracy through a privacy-compliant tax data application [11]. Group 3: Ecosystem Collaboration - The partnership with the Special Zone Development Technology Park Company has led to customized loan solutions that convert soft assets like R&D investments and intellectual property into credit assets [12][13]. - The bank's services have reached over 230 enterprises within the park, with a credit coverage rate of 20% for tech companies [13]. Group 4: Risk Sharing Mechanism - The bank has implemented a risk-sharing model with the Longhua District government, providing a credit line of 1 billion yuan specifically for quality enterprises within the district [15]. - The "Park Loan" not only serves as a financing tool but also integrates low-cost funding, industry resources, and policy benefits for startups [16]. Group 5: Comprehensive Financial Services - Shenzhen Construction Bank is expanding its financial offerings to include a full lifecycle service system that combines debt and equity financing, as well as risk management [18]. - The bank is also exploring new service models, such as integrating supply chain finance to support collaborative financing among enterprises within the park [20].