“金融活水”精准滴灌科技企业，平安银行助力新质生产力加速成长

Core Viewpoint - The financial industry is prioritizing the service of the real economy, with a focus on innovative financial solutions for technology enterprises, exemplified by Ping An Bank's successful implementation of the first "data asset pledge + digital RMB loan" in the highway industry [1][2]. Group 1: Innovative Financial Solutions - Ping An Bank has pioneered a new model that allows data assets to be used as collateral, addressing the financing bottleneck faced by technology companies that rely on intangible assets [2]. - The collaboration with Guangdong United Electronic Services Co., Ltd. (United E-Services) marks a significant milestone in transforming data resources into capital, showcasing the commercial value of data assets [2][3]. Group 2: Efficient Credit Provision - The use of digital RMB as a loan disbursement method provides a "payment upon settlement" experience, enabling rapid fund availability for technology companies, which enhances their market competitiveness [3]. - Ping An Bank's customized financial products facilitate quick access to funds, exemplified by the approval of a 50 million yuan credit limit for Shenzhen Hongxin Micro-Nano Technology Co., Ltd. within a month, significantly alleviating their funding pressures [4]. Group 3: Comprehensive Financial Services - Ping An Bank emphasizes a "full lifecycle companion" service model, offering tailored financial solutions that adapt to the unique needs of technology enterprises at different growth stages [6]. - The bank has established a specialized evaluation mechanism that incorporates R&D investment ratios and patent counts into credit assessments, ensuring a precise alignment of financial services with technological innovation needs [7]. Group 4: Building a Technology Financial Ecosystem - By supporting various technology enterprises like United E-Services, Hongxin Micro-Nano, and Kuaiqian Payment, Ping An Bank is constructing a comprehensive technology financial service ecosystem [7]. - The bank aims to leverage emerging technologies and continuously explore innovative financial service models to provide greater support for technology enterprises and the real economy [7].