Ren Min Ri Bao·2025-11-06 22:15Core Viewpoint - The article highlights the importance of financial support for technology-driven companies, particularly in the context of innovation and growth, as exemplified by Lintu Technology's experience with financing challenges and solutions [2][3][4]. Group 1: Company Overview - Lintu Technology is a small and innovative enterprise with 34 domestic and international patents and 48 software copyrights [3]. - The company focuses on applying AI technology for industrial quality inspection, significantly improving production efficiency and reducing costs [2][3]. Group 2: Financial Challenges and Solutions - Lintu Technology faced financing difficulties due to its asset-light operational model, which made it challenging to secure traditional bank loans that typically require fixed asset collateral [3]. - A significant order in 2024 created a funding gap for raw material procurement, putting production schedules at risk [3]. - The company received a pure credit loan of 3 million yuan from the Bank of Communications, facilitated by a tailored financing solution that assessed the company's potential beyond traditional collateral [3][4]. Group 3: Innovative Financing Models - The Bank of Communications developed a technology enterprise evaluation model that considers human capital, innovation capability, business operations, social recognition, and industry position to assess companies like Lintu Technology [3]. - A "Joint Growth Plan" was signed between the bank and Lintu Technology, promoting long-term risk-sharing and providing lower-cost, longer-term financing support for the company [4]. - Following financial support, Lintu Technology plans to expand its R&D team significantly and enhance its capabilities in testing components for new energy vehicles [4].