“保险+信贷” 破题“小巨人”成长的“烦恼”

Core Insights - The article discusses a comprehensive financial practice combining insurance and credit to address the dual challenges of financing difficulties and high risks faced by technology-based enterprises in Jiangxi province [1][2]. Group 1: Company Overview - A telecommunications company in Jiangxi, recognized as a national-level "specialized and innovative" small giant, focuses on the research and production of high-purity oxygen-free copper, a key new material essential for high-end electronics and communication [1]. - Despite holding core technology, the company faces typical challenges such as high R&D costs, risks in new product promotion, and tight liquidity, which hinder its innovation journey [1]. Group 2: Financial Solutions - China Life Property & Casualty Insurance in Jiangxi collaborated with Guangfa Bank Nanchang Branch to create a tailored "risk protection + funding support" solution for the telecommunications company [2]. - The insurance component includes a new materials comprehensive insurance that acts as a "safety lock" for the company's core technology and new products, effectively transferring potential liability risks and enhancing market confidence [2]. - The financial solution also provided the company with a special credit support of 10 million yuan at favorable interest rates, alleviating funding pressure and enabling continued R&D and raw material procurement [2]. Group 3: Industry Impact - The "insurance + credit" model breaks the siloed approach of financial institutions, fostering collaboration through product linkage, information sharing, and risk-sharing, thereby enhancing support for technology innovation [3]. - This approach demonstrates a multiplier effect in financial support for technological innovation, injecting sustained momentum into the development of new productive forces [3].