融资需求报告：72%沿沪宁初创科技企业未获银行贷款

Core Insights - The financing gap for technology enterprises along the Shanghai-Nanjing corridor remains significant, despite the rapid development of the innovation ecosystem driven by new industrial policies and regional integration strategies [1][4] - A report indicates a division of labor where Shanghai focuses on early-stage investments while Jiangsu is more involved in production, with this pattern extending to northern Jiangsu [1] - 42% of surveyed companies report difficulties in securing financing, highlighting a structural issue rather than a temporary challenge [1][2] Financing Environment - Many enterprises struggle to quantify their technological achievements, lacking a mature valuation system that hinders the conversion of cutting-edge technology into financing credibility [2] - 72% of surveyed companies did not receive bank loans, primarily due to the absence of traditional collateral, as intellectual property and R&D assets are not adequately recognized by banks [2] - There is a notable disconnect between the policies introduced to support technology and the actual experiences of companies, with 33.2% citing complex application processes and 27.6% pointing to lengthy approval times [2] Expectations for Improvement - 62% of founders express a desire for more investors willing to engage in early-stage, small-scale, and hard technology investments, emphasizing the need for long-term growth focus [3] - 65% of companies prefer tax incentives and interest-subsidized loans as direct support methods, while 61% call for the introduction of unsecured credit loan models to alleviate early-stage funding pressures [3] - The report suggests that enhancing the early financing system and improving the synergy between capital, policy, and industry chains is essential for the growth of startups into key economic drivers [3][4]