Qi Lu Wan Bao·2026-01-21 13:53Core Insights - Postal Savings Bank of China (PSBC) is enhancing financial support for manufacturing sector champions and innovative enterprises through various measures since 2025, including policy incentives, product innovation, and service optimization [1] Group 1: Financial Support Initiatives - PSBC has introduced a specialized product called "Sci-Tech Loan" with a maximum credit limit of 100 million yuan, significantly exceeding conventional credit products, and offers a 15 basis points discount on internal fund transfer pricing [1] - A professional service team has been established, including two dedicated technology branches and 14 specialized small enterprise credit managers to provide tailored financial services [1] Group 2: Product Offerings - The bank has developed a diverse financial product matrix, including "Sci-Tech Loan" and "Sci-Tech e-Loan," which cater to various needs of technology-based SMEs and high-tech enterprises, allowing multiple collateral options such as credit and intellectual property pledges [2] - The "Sci-Tech e-Loan" utilizes an online model for rapid approval, significantly enhancing financing convenience [2] Group 3: Service Efficiency - PSBC has implemented a green approval channel for manufacturing champions, adopting a parallel operation model to improve approval efficiency and meet comprehensive financing needs [3] - The bank has successfully provided a 100 million yuan medium to long-term working capital loan to Binhu Chemical Group, a key client, through the green channel, and has also facilitated electricity bill financing, with a balance of 65 million yuan as of November 2025 [3] Group 4: Future Plans - PSBC aims to further deepen financial services for manufacturing champions, continuously optimize policy support, enrich product offerings, and enhance service efficiency to assist enterprises in overcoming key technological challenges and optimizing industrial structures [3]