Ren Min Ri Bao·2025-11-07 03:49Core 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 [3][4][5]. Group 1: Company Overview - Lintu Technology is a small and micro technology enterprise with 34 domestic and international patents and 48 software copyrights [4]. - The company focuses on applying AI technology for industrial quality inspection, significantly improving production efficiency and reducing costs for clients [3][4]. Group 2: Financial Challenges - Lintu Technology faces financing difficulties due to its light asset operation model, where most facilities and equipment are leased, making it hard to secure traditional bank loans that require fixed asset collateral [4]. - The company's R&D investments are not fully reflected in financial statements, leading to challenges in obtaining necessary funding for raw material procurement [4]. Group 3: Financial Solutions - A tailored financing solution, "Kechuang Wanmei Loan," was provided by a local bank, offering a 3 million yuan unsecured loan at preferential rates, which helped the company maintain production schedules [4][5]. - The bank's evaluation model assesses companies based on human capital, innovation capability, operational performance, social recognition, and industry position, allowing Lintu Technology to secure higher credit limits [4]. Group 4: Future Plans and Growth - With financial support, Lintu Technology plans to expand its R&D team from 50 to 150 employees and enhance its capabilities in testing components for new energy vehicles [5]. - The company is also developing semiconductor wafer inspection equipment, contributing to domestic alternatives during the "14th Five-Year Plan" period [5].