Zhong Guo Jin Rong Xin Xi Wang·2025-12-12 05:42Group 1 - Construction Bank has launched the "Cluster Quick Loan" product tailored for Shanghai's five national-level advanced manufacturing industry clusters, providing financial support to strategic emerging industries such as integrated circuits, biomedicine, and new energy vehicles [1][2] - The product addresses the mismatch between the long R&D cycles of tech companies and the short-term loan periods typical of traditional credit models, which often do not accommodate the asset-light nature of these companies [1][2] - The "Cluster Quick Loan" utilizes a big data risk control model to integrate various credit factors, enabling an online application process with favorable long-term and low-interest conditions [1][2] Group 2 - The evaluation of companies is now integrated within the entire industry cluster ecosystem, considering their position in the supply chain, the value of technological innovation, and the development prospects of the industry cluster [2] - The Zhangjiang Financing Service Center has been established to facilitate collaboration among government, banks, and enterprises, effectively breaking down information barriers and allowing banks to better identify quality tech companies [2][3] - The successful implementation of the "Cluster Quick Loan" reflects a shift from traditional single-entity services to industry cluster services, enhancing service efficiency and risk management capabilities [3]