Zhong Guo Jin Rong Xin Xi Wang·2025-10-22 13:51Core Insights - China Construction Bank's Shanghai branch has launched a new credit-based working capital loan called "Hu Ke Points Loan," with a maximum limit of 10 million yuan and a term of up to three years, available for flexible borrowing and repayment through the "CCB Hui Dong Ni" app [1][2] - The loan aims to support technology-driven small and micro enterprises, addressing their unique characteristics such as high growth potential and limited asset backing, by utilizing a value evaluation system based on the Shanghai "Hu Ke Points" assessment [1] Group 1 - The "Hu Ke Points Loan" has increased the loan limit for Shanghai Guangjiang Environmental Art Co., Ltd. from over 1 million yuan to 2.8 million yuan, enhancing their capacity for research and development [1] - The loan product is designed to alleviate the challenges faced by technology enterprises in accumulating credit information and meeting financing needs, particularly for those with limited revenue during growth phases [1] Group 2 - Since 2023, China Construction Bank's Shanghai branch has prioritized technology finance, launching initiatives such as the "High-Quality Development Action Plan" and the innovative "5Pr Technology Finance Promotion System" [2] - The bank has served over 8,000 technology credit clients, with 80% being inclusive small and micro enterprises, demonstrating its commitment to providing tailored financial services [2]