Nan Fang Du Shi Bao·2025-10-08 23:13Core Viewpoint - The launch of "Park Loan 2.0" aims to enhance financial support for small and micro enterprises in Shenzhen, addressing long-standing financing challenges through a collaborative model involving government, banks, and industry parks [4][6][12]. Group 1: Overview of "Park Loan 2.0" - "Park Loan 2.0" was introduced to provide a comprehensive financial service ecosystem for small and micro enterprises, particularly in industrial parks, by integrating resources from government, banks, and other stakeholders [8][13]. - The initiative has already seen over 115 billion yuan in credit issued to pilot enterprises, demonstrating the viability of the "park finance" model [7][10]. Group 2: Mechanisms and Innovations - The program employs a "government-park-bank-guarantee" collaborative framework to facilitate information sharing and resource integration, which helps mitigate risks and improve access to financing for small businesses [12][13]. - The upgraded version includes a dedicated "Park Loan" officer mechanism and a regular monitoring system to ensure effective implementation and support for enterprises [9][11]. Group 3: Financial Products and Services - Financial institutions, such as the Industrial and Commercial Bank of China, are offering standardized loan products like "Park e-loan," providing up to 10 million yuan in unsecured loans to eligible small enterprises [10][11]. - The program emphasizes data empowerment and technology integration, allowing banks to create precise profiles of enterprises based on shared data, thus enhancing credit assessment processes [8][11]. Group 4: Economic Impact and Future Outlook - Small and micro enterprises contribute approximately 50% of Shenzhen's GDP, making their financial health crucial for the city's economic development [6][14]. - The initiative is expected to expand its reach, further promoting inclusive financial services and supporting the high-quality development of Shenzhen's economy [15].