岚山农商银行：精准助力科技型企业发展

Core Insights - Innovation is identified as the core engine for industrial upgrading and a key competitive advantage for enterprises [1] - The bank has implemented a "gradient cultivation and key support" strategy to address the financing needs of technology-oriented enterprises [1] Group 1: Tailored Financing Solutions - The bank adopts a "one household, one policy" approach to provide customized financial solutions, successfully assisting multiple companies in overcoming financial difficulties [3] - For example, it provided a loan of 4.9 million yuan to a leading supplier in the home appliance manufacturing sector, alleviating cash flow issues caused by accounts receivable [3] - Another company received an additional 1 million yuan loan to enhance its production capacity after acquiring new equipment [3] Group 2: Innovative Financial Product System - The bank has developed a diversified matrix of technology financial products to support the transformation of technology-oriented enterprises [5] - It has introduced intellectual property pledge financing services, allowing companies to use intangible assets like patents and trademarks as collateral [5] - As of now, the bank has issued various technology financial loans totaling 161 million yuan, aiding in technology research, equipment upgrades, and market expansion [5] Group 3: Optimized Service Models - The bank has established a dedicated service team to ensure precise financial service matching with the development pace of technology enterprises [7] - It has implemented a "green loan channel" for companies on the "white list," streamlining the loan approval process [7] - The combination of online and real-time approval systems has effectively reduced financing costs for enterprises [7] Group 4: Strengthened Government-Bank Collaboration - The bank emphasizes a "finance + government" service model, enhancing collaboration with local government departments [8] - It has organized over 30 events to facilitate financing connections and policy discussions for technology enterprises [8] - The cumulative support for technology enterprises has reached 753 million yuan, benefiting 91 companies [8] Group 5: Focus on Industrial Upgrading - The bank is committed to directing credit resources towards high-tech and high-potential enterprises in the rubber and plastic manufacturing sector [9] - It aims to promote industrial innovation and transformation through financial empowerment [9] - The total support for technology and green enterprises has reached 1.092 billion yuan, contributing to regional industrial structure optimization [9]