兴业银行济南分行助力汽车零部件产业智变升级

Core Insights - The automotive parts industry in Rizhao is experiencing a critical period of technological iteration and capacity upgrade amid the accelerated transition towards electrification, intelligence, and connectivity in the automotive sector [1] - The industry is characterized by cluster development, leadership from key players, and a combination of high-end and international features, forming a complete industrial ecosystem covering commercial vehicles and new energy vehicles [1] Financial Innovation - The core value of the "Tech Innovation Loan" (科创贷) is to make "technical assets" a form of financing currency, addressing the typical characteristics of automotive parts companies that focus heavily on R&D but have low asset bases [2] - The bank has adopted an innovative "technology flow" evaluation system, moving away from traditional collateral-based assessments, and using core patents, qualifications of technology-based SMEs, R&D investment ratios, and stable supply contracts with vehicle manufacturers as key credit criteria [2] Service Optimization - The bank has simplified the approval process and established a dedicated service team for the automotive industry, reducing loan approval times to 1-2 working days [3] - Financial support has been provided to four automotive parts companies in Rizhao this year, with plans to further optimize the "technology flow" evaluation dimensions and expand credit coverage [3] - The bank aims to provide an integrated solution of "financing + settlement + technology services" to support the technological innovation journey of companies in the automotive parts industry [3]