Zhong Guo Jin Rong Xin Xi Wang·2026-01-21 09:21Core Insights - The article emphasizes the importance of addressing the financing challenges faced by technology innovation enterprises, particularly in the context of high-quality development driven by technological innovation [1][2] - It highlights the innovative approach taken by Everbright Bank's Hohhot branch in providing credit support to technology-driven enterprises by focusing on their "soft assets" rather than traditional collateral [1] Group 1: Financing Challenges and Solutions - The biotechnology industry is experiencing increased R&D investment and urgent capital needs for capacity expansion, facing difficulties due to traditional credit assessment models that prioritize collateral over technological capabilities [1] - Everbright Bank's Hohhot branch has identified a specific enterprise with multiple core technology patents and a professional R&D team, recognizing its "technological soft power" as a valuable asset [1] - The bank has successfully transformed intangible assets, such as patents and global market share, into financing credit criteria, providing unsecured loans to the enterprise [1] Group 2: Future Directions and Commitment - Everbright Bank's Hohhot branch is committed to implementing the spirit of national policies and enhancing the support system for technology finance, aiming to allocate more financial resources to promote technological innovation [2] - The bank plans to strengthen policy promotion and institutional development related to technology finance, optimize its product system, and enhance professional capabilities to support the growth of technology-driven enterprises [2]