Group 1 - Financial resources are accelerating towards the technology innovation sector, with 271,800 technology-based SMEs receiving loans, achieving a loan rate of 49.6%, an increase of 3.6 percentage points year-on-year [1] - Commercial banks are innovating mechanisms and optimizing financial service models to enhance the precision and effectiveness of financial services for technology finance, acting as a catalyst for innovation [1] Group 2 - In Suzhou, Innovent Biologics has become an industry leader with over 2 billion yuan in annual R&D investment, transitioning from a cash-burning phase to a successful commercialization of its first cancer drug, supported by a 250 million yuan syndicated loan from China Construction Bank [2] - The biopharmaceutical industry is a key sector in Suzhou, with China Construction Bank innovating the "Pipeline Loan" to match the long R&D cycles of new drugs, serving over 600 key biopharmaceutical enterprises with credit limits exceeding 16 billion yuan [2] Group 3 - Traditional bank loan products often fail to meet the long R&D cycles of technology SMEs, prompting banks to innovate credit mechanisms and develop long-term loan products to support technology innovation [3] - Shanghai Pudong Development Bank provided several million yuan in medium to long-term R&D loans to a leading logistics robot company, demonstrating the flexibility of financial support [3] Group 4 - Agricultural Bank of China introduced "Kejie Loan" for small and micro technology enterprises, allowing for online self-service financial products that utilize intellectual property and innovation scores to determine credit limits [4] - This innovation helps activate intangible assets, transforming patents into financial resources for companies facing funding challenges [4] Group 5 - Industrial and Commercial Bank of China provided a 10 million yuan intellectual property pledge loan to a high-tech enterprise in Guizhou, facilitating the conversion of core patent technologies into development momentum [5][6] Group 6 - The Ningbo Graphene Innovation Center's shareholder highlighted the challenges of obtaining loans due to a lack of traditional collateral, prompting China Construction Bank to innovate a specialized evaluation system for technology enterprises [7] - This system allowed for a rapid provision of 130 million yuan in credit to support the commercialization of new materials [7] Group 7 - Zhejiang Commercial Bank launched a "Talent Bank" that incorporates a talent value assessment system to provide credit support based on team members' academic achievements and industry experience, addressing the financing difficulties of asset-light technology enterprises [8] - The bank has supported over 4,000 high-level talent enterprises with a financing balance of 34.5 billion yuan [8]