苏州中行：深耕普惠金融场景服务 精准滴灌科创企业

Core Insights - The article discusses the shift in inclusive finance innovation from providing single loans to offering scenario-based bulk financial solutions, driven by the dual forces of digital finance and the upgrading of the real economy [1] - Suzhou Bank is focusing on high-quality technology enterprises represented by "specialized, refined, distinctive, and innovative" companies, launching the "Zhuan Te Loan" to address financing difficulties for businesses [1] Group 1 - Suzhou Bank is embedding its "Zhuan Te Loan" inclusive finance service into the operations of local technology enterprises, promoting deep integration of financial, technological, and industrial innovation [2] - A specific case is highlighted where a high-tech company in Kunshan, specializing in new electromechanical components, faced increased short-term working capital needs due to long order payment cycles and upstream material prepayment pressures [2] - Suzhou Bank reassessed the company's loan eligibility based on intellectual property, tax performance, and external qualifications, providing a tailored "Zhuan Te Loan" solution to meet the company's operational funding needs [2] Group 2 - Another example features a "little giant" new materials technology company in Changshu, which specializes in the development and manufacturing of titanium, nickel-based alloys, and stainless steel for high-tech fields [3] - The company experienced a rapid increase in working capital needs due to rising metal prices, prompting Suzhou Bank to quickly match a "Zhuan Te Loan" scenario based on the company's technology title and annual sales [3] - Suzhou Bank has provided over 16.3 billion yuan in inclusive loan support to nearly 2,600 "specialized, refined, distinctive, and innovative" small and micro enterprises, with a credit coverage rate of nearly 35% for national and provincial "specialized, refined, distinctive, and innovative" enterprises by the end of 2025 [3]