硬科技不仅需要“金主”，更需要“合伙人”

Group 1 - The core viewpoint of the articles highlights a shift in the financial support model for hard technology companies, moving from traditional funding to a partnership approach that emphasizes understanding technology and shared growth [2][4][18] - Zhihui Technology, a commercial cleaning and inspection robot company, received a credit line of 25 million yuan from China Resources Bank, marking a significant change in its development trajectory [1][8] - The financial industry is transitioning from an asset-based logic to a technology-based logic, focusing on the technical capabilities and growth potential of companies rather than just their collateral [8][15] Group 2 - Hard technology companies exhibit unique characteristics, such as high technology, high growth, high risk, high return, and low asset reliance, which complicate their access to traditional financing [5][7] - The demand for tailored financial solutions arises from the specific needs of hard technology firms, which often lack traditional collateral but possess valuable intellectual property and customer validation [5][10] - Financial institutions are increasingly required to understand the language of the industry and provide services that align with the unique development stages of technology companies [6][17] Group 3 - China Resources Bank has developed a comprehensive service model called "Runchuang Port," which includes various modules to support technology companies beyond just financial assistance [12][14] - The bank's approach emphasizes embedding financial services within the real growth scenarios of companies, transforming its role from a mere fund provider to a co-builder of innovation ecosystems [9][14] - The concept of "patient capital" is gaining importance, as financial support that accompanies companies through their entire growth cycle is essential for nurturing new productive forces [15][16]