惠及近1.5万家企业 湖北发放知识价值信用贷款超770亿

Core Insights - The Hubei Provincial Science and Technology Department has implemented a knowledge value credit loan program for technology-based enterprises, which has disbursed a total of 774.27 billion yuan, supporting 14,916 companies by the end of October 2025, effectively alleviating the financing difficulties faced by asset-light technology enterprises [1][3]. Group 1: Loan Program Overview - The program allows technology enterprises to apply for loans online based solely on their knowledge value, without the need for collateral, with a maximum loan amount of 10 million yuan and a term of up to 3 years [2][4]. - A risk compensation fund of 10 billion yuan has been established by the provincial and municipal governments to cover 80% of the principal loss on bad loans, enhancing banks' willingness to lend [3][6]. - All 21 banks in Hubei, excluding policy and foreign banks, are participating in the knowledge value loan program, with major banks offering interest rate discounts [4][6]. Group 2: Support for Technology Enterprises - The program targets all 28.5 million technology enterprises in Hubei, providing zero-threshold policy support to facilitate their financing needs [2][5]. - The knowledge value assessment results categorize enterprises into five credit levels (A, B, C, D, E), allowing banks to offer differentiated loan amounts and interest rates based on these evaluations [2][5]. - The program has streamlined the loan application process through a data-sharing platform that integrates information from 13 departments, enabling automatic credit rating and efficient loan processing [5][6]. Group 3: Case Studies - Companies like Wuhan Zhongke Ruize Optoelectronics and Yichang Wuxing Material Technology have successfully secured loans of 10 million yuan and 5 million yuan, respectively, demonstrating the program's effectiveness in meeting urgent funding needs [4][5].