创新积分制赋能龙岩科创企业：小积分撬动政银企协同大能量

Core Insights - The article discusses the innovative credit scoring system implemented in Longyan, Fujian, aimed at empowering technology-driven enterprises by addressing their financing challenges and facilitating technological advancements [1][9]. Group 1: Innovation Credit System - The innovation credit system is a national initiative designed to accurately identify and empower technology enterprises, with Longyan being the first in Fujian and the second nationwide to implement this system [1][2]. - The system utilizes a "20+N" evaluation framework, which includes 79 specific indicators across various dimensions such as technological innovation and management, to assess the innovation capabilities of enterprises [2][3]. Group 2: Financial Empowerment - The credit scoring system allows for the quantification of innovation capabilities, transforming them into "digital assets" that can be leveraged for financing, thus attracting quality resources for technology innovation [3][4]. - Financial institutions, such as Postal Savings Bank, have developed tailored loan products based on the credit scores, providing significant funding to enterprises like Fujian Fufang Technology Group and Fujian Qianglian New Materials [4][8]. Group 3: Collaborative Ecosystem - Longyan High-tech Zone has established a collaborative ecosystem involving government, banks, and enterprises, creating a seamless service system that integrates online and offline resources for better support [9][11]. - The integration of the credit scoring system with various policies and services aims to enhance the overall support for high-scoring enterprises, facilitating their growth and innovation [11].