Core Viewpoint - Anhui Province is actively developing into a significant hub for technological innovation, with Hefei City as a focal point for tech enterprises, supported by financial institutions like Huishang Bank to enhance the quality of financial services for tech innovation [1] Group 1: Financial Support for Tech Enterprises - Huishang Bank has created a specialized product matrix and improved its financial service system to support the growth of tech companies in Anhui [1] - A specific tech company in Hefei benefited from Huishang Bank's financial support, receiving a total of 410 million yuan in loans to address its funding challenges during its early stages [2] - The bank's proactive approach included assessing the company's potential despite its lack of collateral and providing timely financial assistance [2] Group 2: Joint Growth Plan - The People's Bank of China in Anhui initiated the "Joint Growth Plan" to address the mismatch of risk and return in tech financing, allowing companies to secure long-term, low-cost financing [3] - Huishang Bank was among the first to participate in this plan, offering a 15 million yuan credit line to the tech company under a three-year agreement [3] - This plan enables banks to gain priority in various financial services while providing companies with stable funding [3] Group 3: Technology and Financial Integration - Huishang Bank aims to explore new models for high-quality development in tech finance, with over 13,000 tech loan accounts and a balance exceeding 210 billion yuan as of September 2025 [4] - The bank has established a specialized organizational structure to enhance its service coverage for tech enterprises, developing a comprehensive suite of financial products tailored to different stages of a company's lifecycle [4] - A "Technology Flow" evaluation system has been developed to assess tech companies based on their innovation capabilities, complementing traditional financial assessment methods [4] Group 4: Intellectual Property Financing - Huishang Bank has innovated a self-assessment system for intellectual property value and launched an online pledge loan product called "Zhi e Loan" to facilitate financing for tech companies [6] - This product allows companies to convert their intellectual property into financial resources, with a credit limit of up to 10 million yuan and a maximum term of three years [6] - Since its launch, the "Zhi e Loan" product has seen a loan balance exceeding 300 million yuan, indicating strong demand for intellectual property financing solutions [6] Group 5: Commitment to Local Economic Development - Huishang Bank is committed to supporting the local economy by focusing on various financial sectors, including tech finance, green finance, inclusive finance, pension finance, and digital finance [5][6] - The bank aims to contribute significantly to the high-quality development of Anhui Province by aligning its strategies with local development goals [5][6]
徽商银行：金融向“新”而行 赋能安徽科技创新