Jiang Nan Shi Bao·2025-12-15 13:44Core Viewpoint - The article discusses the approval of a project loan of 130 million yuan for a foreign manufacturing enterprise specializing in automotive intelligent axles, highlighting the challenges and strategies in financing such projects while ensuring risk management [1][2][3] Group 1: Company Overview - The enterprise is a Taiwanese-funded company with over 50 years of history, primarily engaged in the production and sales of high-end components, particularly axles for various industries [1] - The company is relocating its factory from Taicang to a new site in the Haimen Development Zone due to the demolition of its previous facility [1] Group 2: Financing Challenges - The bank faced challenges in designing a financing solution that meets the client's needs while adhering to its risk preferences, as the client had existing loans from other banks and required additional funds for operational turnover [1][2] - The project has a significant investment requirement, which presents a "small horse pulling a big cart" scenario, indicating a mismatch between the company's scale and the project's financial demands [1] Group 3: Project Viability and Support - The project aligns with national industrial policies, particularly the Ministry of Industry and Information Technology's goal of establishing 10,000 5G factories, with the company investing over 150 million yuan in automated production lines and high-precision testing equipment [2] - The enterprise has stable customer resources and market channels, primarily collaborating with internationally renowned automotive parts companies, indicating potential for market expansion [2] Group 4: Loan Approval and Impact - The project loan of 130 million yuan was approved in less than a month, reflecting strong support for enterprises that align with national industrial policy, and the efficient service provided by the bank was well-received by the company [3] - The financing solution was designed to replace existing project financing and cover remaining construction costs, thereby extending the overall financing term and alleviating repayment pressure on the client [2][3]