Core Viewpoint - The introduction of the "Gan Ke Xin Yi Dai" loan product by Jiujiang Bank represents a significant shift in financing for technology-driven enterprises, allowing them to leverage their technological capabilities and intellectual property for funding without traditional collateral requirements [1][2]. Group 1: Loan Product Overview - The "Gan Ke Xin Yi Dai" product is developed based on the "Science and Innovation Credit Enhancement Project" by the People's Bank of China, aimed at providing financial support throughout the lifecycle of technology enterprises [2]. - This product allows for a scientific assessment of a company's technological innovation capabilities, transforming them into reliable "credit assets" to facilitate easier access to financing for light-asset, high-growth tech companies [2]. Group 2: Implementation and Impact - Jiujiang Bank has successfully implemented the first batch of the "Gan Ke Xin Yi Dai" product, providing nearly 40 million yuan in funding to various technology enterprises in Jiujiang, Xinyu, and Pingxiang by the end of November [3]. - The bank's approach shifts focus from traditional collateral to evaluating companies based on their patents and technological strengths, enhancing the credit limits for qualifying tech firms up to twice their original credit value [2][3]. Group 3: Future Directions - Jiujiang Bank plans to continue enhancing the "Science and Innovation Credit Enhancement Project" and optimize the application scenarios and model design of the credit assessment report to improve service efficiency for small and micro technology enterprises [3].
九江银行积极推动“科创力增信工程” 助力企业“知产”变“资产”