银政联动访企暖，兴业银行济南分行科创贷赋能小微科创企业加速跑

Core Viewpoint - Small and micro technology innovation enterprises in Rizhao are becoming a driving force for industrial upgrading, but they face challenges such as "light assets, lack of collateral, and financing difficulties" [1][2] Group 1: Financing Challenges and Solutions - Small and micro technology enterprises often encounter funding difficulties during critical stages of R&D and results transformation due to their asset-light nature [1] - Industrial Bank's Jinan Branch has identified the financing needs of technology innovation enterprises and has developed the "Science and Technology Loan" series to provide financial support [1][2] - A specialized service team has been established to conduct comprehensive visits to enterprises, capturing their financing needs through direct communication [1] Group 2: Innovative Financial Products - The bank has introduced a "technology flow" evaluation system that incorporates technology innovation capabilities, intellectual property, and technology qualifications into its core assessment dimensions [2] - Financial products such as "Xing Su Loan (for quality technology innovation)", "Talent Loan", and "Intellectual Property Pledge Loan" have been developed to meet the short-term and urgent funding needs of enterprises [2] - The bank supports financing through intellectual property pledges, allowing intangible assets to be converted into development funds, effectively addressing financing bottlenecks for technology innovation enterprises [2] Group 3: Future Plans and Commitment - In 2023, the Jinan Branch has already provided financing support to three technology-based SMEs in Rizhao through the "Science and Technology Loan" business [2] - The bank plans to expand its outreach, optimize the "technology flow" evaluation system, and enhance the supply of financial products for technology innovation enterprises [2] - The bank aims to accompany small and micro technology innovation enterprises throughout their lifecycle, contributing to the construction of a technology innovation ecosystem and high-quality development of the real economy in Rizhao [2]