从“深度合作”到“联合授信” 江浙皖探路科技金融新解法

Group 1 - The core viewpoint emphasizes that technology finance is a key engine for activating innovation and promoting industrial upgrades, with local initiatives addressing issues like short-term cooperation and risk-reward mismatches between banks and enterprises [1] Group 2 - In Anhui, the "Common Growth Plan" was introduced to address the mismatch of credit risk and returns, allowing companies like Anhui Zhongke Haoyin Intelligent Technology Co., Ltd. to secure 8 million yuan in credit loans without collateral, effectively solving their financing difficulties [2][3] - The "Common Growth Plan" has served over 1,500 technology enterprises, with a loan balance exceeding 210 billion yuan, and has led to significant increases in transaction volumes for participating companies [3] Group 3 - In Zhejiang, the "Zheke Joint Loan" initiative was launched to provide financial support through collaboration among multiple banks, addressing the diverse financing needs of companies like Yunshen Technology Co., Ltd. [4][5] - Since its launch, 27 banks in Zhejiang have participated in the "Zheke Joint Loan," providing loans totaling 10.87 billion yuan to 197 enterprises [5] Group 4 - In Jiangsu, the establishment of a local credit platform has helped address financing challenges for small and medium-sized technology enterprises, with over 16 billion pieces of operational data collected to support targeted marketing for financial institutions [6][7] - The "Science and Technology Index Loan" has assisted nearly 6,000 enterprises in obtaining credit worth 265.8 billion yuan, showcasing the effectiveness of the local credit platform model [7] Group 5 - As of the third quarter, Jiangsu has 89,000 technology-based SMEs and 57,000 high-tech enterprises, with a total loan balance of 2.65 trillion yuan for technology enterprises, reflecting a growth of 1,304 enterprises compared to the previous year [8]