中原银行南阳分行：“四维服务”助力科技型中小企业高质量发展

Core Viewpoint - Zhongyuan Bank Nanyang Branch has proactively launched a "Four-Dimensional Service" system since 2025 to support technology-based small and medium-sized enterprises (SMEs) in navigating application channels, enjoying policy benefits, and achieving high-quality development [1] Group 1: Identifying Potential Enterprises - Zhongyuan Bank Nanyang Branch has established a multi-dimensional screening system combining "branch visits + client manager connections + online big data screening" to ensure precise service delivery [2] - The focus is on high-tech industries and strategic emerging industries, identifying small and micro enterprises with independent intellectual property and stable R&D investment that have not yet applied for recognition [2] Group 2: Reducing Application Barriers - To alleviate financial concerns during the application process, Zhongyuan Bank Nanyang Branch has set up a special fund to cover all consultation service fees and material preparation costs for technology-based SMEs [3] - As of the end of October, the bank has assisted over 30 small micro enterprises in obtaining "technology-based SME" status, covering application costs exceeding 50,000 yuan and providing over 300 million yuan in innovation loans [3] Group 3: Enhancing Application Efficiency - A specialized service team with expertise in technology policy interpretation and financial knowledge has been formed to improve application success rates [4] - The team collaborates with third-party professional application agencies and provides one-on-one guidance throughout the application process, including policy interpretation and material preparation [4] Group 4: Comprehensive Empowerment - Zhongyuan Bank Nanyang Branch has developed a full-cycle service system from application to recognition and empowerment [5] - For successfully recognized technology-based SMEs, the bank prioritizes financing support and customizes credit products to assist in increasing R&D investment and expanding production [5] - The bank aims to deepen cooperation with enterprises and optimize service processes, making the "Four-Dimensional Service" model more routine and refined to benefit more SMEs [5]