Zhong Guo Jin Rong Xin Xi Wang·2026-01-09 07:37Core Insights - The article emphasizes the importance of financial support for "hard technology" companies to thrive, highlighting innovative financial models that facilitate precise credit allocation to tech innovation sectors [1][7]. Group 1: Financial Models and Innovations - The "joint credit" model and "common growth plan" are examples of innovative financial strategies that guide resources towards technology innovation, enabling financial institutions to share in the growth of tech companies [1][2]. - The "Zhejiang Science Leading Joint Loan" was introduced by multiple banks to address the diverse financing needs of tech companies, allowing for risk-sharing and resource complementarity among banks [2][3]. - The "Common Growth Plan" allows banks to share the growth benefits of tech companies while managing early-stage risks through strategic cooperation agreements [5][6]. Group 2: Regional Success Stories - In Hangzhou, Yundongchu Technology Co., Ltd. successfully raised over 500 million yuan in C-round financing, aided by a 5 million yuan credit loan from Hangzhou Bank [1][2]. - In Hefei, Zhongke Haoyin Intelligent Technology Co., Ltd. received an 8 million yuan credit loan under the "Common Growth Plan," enabling its growth into a specialized small giant enterprise [5][6]. - In Suzhou, a new digital credit platform has facilitated the collection of over 1.6 billion enterprise operation data points, helping nearly 6,000 companies secure 265.8 billion yuan in credit [6][7]. Group 3: Industry Growth and Trends - The high-tech manufacturing sector has shown significant growth, with a 9.6% increase in value added in the first three quarters of 2025, outpacing overall economic growth [3][7]. - As of September 2025, technology loans in China grew by 11.8%, with loans to small and medium-sized tech enterprises reaching 3.6 trillion yuan, reflecting a 22.3% year-on-year increase [7][8]. - The establishment of a multi-layered financial service system has led to the issuance of 669.1 billion yuan in technology innovation bonds, indicating a robust support framework for tech enterprises [8][9]. Group 4: Future Directions - The "14th Five-Year Plan" emphasizes the need to develop a technology finance system that supports innovation and industry development, aiming for a market-oriented and policy-supported financial ecosystem [8][9]. - Industry experts suggest enhancing financial services for tech innovation through lifecycle support, tailored financial tools, and digital transformation to foster a virtuous cycle between technology, industry, and finance [9].