眉山发放首笔“知识产权+资金流”科技贷款，破解企业融资难题

Core Viewpoint - The successful implementation of the "intellectual property + cash flow" technology loan in Meishan represents a significant step in financial innovation aimed at supporting the development of technology-driven small and medium-sized enterprises (SMEs) [1][6]. Group 1: Loan Implementation and Benefits - A pharmaceutical company in Hongya County received a loan of 5 million yuan within two weeks, marking the first "intellectual property + cash flow" technology loan in Meishan [1]. - The loan is part of a broader initiative to address the financing challenges faced by technology SMEs, particularly those with core technologies but limited assets [1][6]. - The loan process is streamlined, allowing companies to authorize data access online, enabling banks to automatically assess business conditions without requiring extensive documentation from the companies [4]. Group 2: Financial Innovation and Policy Support - The financing model combines cash flow credit assessment with intellectual property pledges, utilizing the national credit information sharing platform for SMEs [2][6]. - The Meishan government has introduced several policies to enhance the financial ecosystem, including the "Meishan Intellectual Property Pledge Financing Management Measures" and the "Guiding Opinions on Meishan's Science and Technology Finance Work" [6]. - Meishan ranks first in the province for credit structure indicators and third for credit support quality, indicating strong support for technological innovation and transformation loans [6]. Group 3: Cost Efficiency and Support Mechanisms - The loan allows for a fiscal subsidy of up to 40%, reducing the effective financing cost to as low as 1.5%, which can save the company approximately 50,000 yuan in interest over one year [4]. - The local bank has established a dedicated team to facilitate the loan process, ensuring that the entire procedure from application to fund disbursement is completed efficiently [4].