精准浇灌“专精特新”

Core Insights - Rugao Rural Commercial Bank actively implements national financial policies to serve "specialized, refined, and innovative" enterprises, achieving a coverage rate of 81.9% with 399 such enterprises served by June 2025 and a total loan issuance of 4.8 billion yuan [1] Group 1: Service Framework - The bank has established a specialized service system that integrates industry research, customer management, product innovation, and risk control [1] - A dedicated technology branch has been created to allocate credit resources and assign specialized personnel, with the branch manager also serving in the municipal science and technology bureau to enhance government-business collaboration [1] Group 2: Financial Products - The bank offers differentiated credit products tailored to the varying needs of enterprises at different development stages, with the flagship product "Specialized and Innovative Loan" offering a maximum limit of 50 million yuan and a term of up to 3 years [1] - A comprehensive product system covering the entire lifecycle of enterprises has been established, including "Su Ke Loan," "Su Zhi Loan," and "Su Zhi Quality Loan," aimed at transforming intellectual property into assets [1] Group 3: Service Optimization - The bank continuously optimizes its service mechanisms by implementing differentiated credit policies that incorporate R&D investment and intellectual property into the evaluation system, providing flexible financing arrangements [1] - The bank has successfully secured over 1.7 million yuan in interest subsidies for 24 enterprises in 2025, ranking first among rural commercial banks in the province for subsidy scale [1] Group 4: Future Outlook - Rugao Rural Commercial Bank aims to further enhance its technology financial service system to inject stronger financial momentum into the growth of "specialized, refined, and innovative" enterprises and the high-quality development of the local economy [1]