以金融 “活水” 润泽科技创新

Core Insights - Shenzhen Xinguang Precision Technology Co., Ltd. has transformed from "manufacturing" to "creation" with the support of Postal Savings Bank's "Tengfei Loan" for medium to long-term funding [1] - The bank's focus on technology finance is highlighted by its goal to serve over 100,000 technology enterprises and achieve a technology loan balance exceeding 930 billion yuan by June 2025 [1] - Postal Savings Bank has developed a new evaluation model called "Look to the Future," which assesses technology companies based on their R&D investment, patents, growth potential, and policy support [2] Group 1 - The transformation of Xinguang Precision is a representation of Postal Savings Bank's commitment to technology finance [1] - The bank has shifted its credit evaluation from traditional collateral-based methods to a future-oriented approach, focusing on orders, turnover, and partnerships [1][2] - The bank's innovative evaluation model allows for precise profiling of technology companies, enhancing their access to funding [2] Group 2 - The establishment of a small and micro enterprise financing coordination mechanism by national authorities aims to alleviate financing difficulties for small businesses [3] - Postal Savings Bank has adopted a "full lifecycle support" approach to provide continuous financial assistance to technology-driven small and micro enterprises [3] - A case study illustrates how the bank's support enabled a small eco-friendly building materials company to transition from R&D to becoming a national high-tech enterprise [4] Group 3 - Postal Savings Bank has created a comprehensive service system centered around products like "Science and Technology Loan" and "Science and Technology e-Loan" to facilitate technology innovation [5] - The bank utilizes big data to construct precise profiles of enterprises and evaluate their innovation capabilities, ensuring financial resources are directed towards promising technology innovators [5] - The bank's efforts in breaking traditional credit logic and building a full-cycle service ecosystem aim to stimulate innovation and support industrial upgrades [5]