从“看报表”到“看赛道”，金融助力科技型小微企业发展

Core Insights - The article discusses the financial support for technology-based small and micro enterprises in Zhejiang, highlighting the challenges they face in financing and the innovative solutions being implemented by banks to address these issues [1][2]. Group 1: Financial Challenges and Solutions - Technology-based small and micro enterprises often struggle with financing due to a lack of traditional collateral, leading to insufficient credit limits and high financing costs [1]. - Zhejiang banks have introduced specialized financing schemes that leverage intellectual property as collateral, moving away from the traditional focus on fixed assets [1]. - An example is provided where Zhejiang Deshman Technology Co., Ltd. secured a 100 million yuan intellectual property pledge loan using three core patents [1]. Group 2: Loan Support and Assessment Tools - As of September 2023, the balance of inclusive loans for small and micro enterprises in Zhejiang reached 5.76 trillion yuan, with a financing coverage rate of 40% for active small micro entities [1]. - China Bank's Zhejiang branch has developed a self-researched assessment tool to evaluate technology enterprises based on soft power indicators, including technology qualifications and patent achievements [2]. - The "New Quality Loan" product from China Bank has provided credit support of approximately 11.8 billion yuan to over 1,500 technology-based small and micro enterprises in the province [2]. Group 3: Innovative Financial Products - Zheshang Bank has launched targeted credit products such as "Talent Loan" and "Innovation Loan" to address financing difficulties during the research and development phase [4]. - By the end of September 2023, these credit products had disbursed nearly 4 billion yuan in loans [4]. - The shift in financial services from focusing on financial statements to evaluating industry potential reflects a broader change in risk assessment and operational capabilities within banks [4].