建设银行济宁西城支行：金融活水精准滴灌，助推医药产业攀高向新

Core Insights - The modern pharmaceutical industry in Jining has been identified as one of the 15 key industrial chains and 7 key industrial clusters, with a target to exceed 50 billion yuan by 2027 [1] Group 1: Financial Innovation - China Construction Bank's Jining Xicheng Branch has introduced differentiated financial solutions to address the unique challenges faced by pharmaceutical companies, such as high R&D costs and long capital recovery cycles [2][3] - The bank has transformed intangible assets like drug registration certificates and patents into core credit assets, enabling companies to leverage these for financing [2] - A "supply chain finance" service has been launched to improve cash flow for pharmaceutical distribution companies by converting long payment terms into quicker turnover [2] Group 2: Digital Transformation - The bank has optimized service processes by creating an online financing platform that streamlines loan applications, approvals, and disbursements, significantly reducing the time and materials required [3] - Customized financial solutions are provided based on the different stages of pharmaceutical companies, including R&D loans for early-stage firms and fixed asset loans for those in industrialization [3] Group 3: Resource Integration - The bank is actively building a financial ecosystem for the pharmaceutical industry by organizing investment and financing matchmaking events that connect pharmaceutical companies with investors and industry experts [4] - Collaborations with government and industry associations have been established to create risk compensation mechanisms, lowering financing barriers for pharmaceutical companies [4] - Joint efforts with research institutions are aimed at providing technical assessments and facilitating the commercialization of innovations [4] Group 4: Case Study and Impact - A local high-tech pharmaceutical company received a 6 million yuan intellectual property pledge loan, which significantly accelerated its R&D progress and is expected to bring new veterinary drugs to market sooner [5][6] - Over 5 billion yuan in credit support has been provided to more than 20 local pharmaceutical companies, contributing to the industry's development and upgrade [6] - The bank plans to continue enhancing financial services for the pharmaceutical sector, focusing on effective resource allocation and expanding the "supply chain finance + digital" model [6]