Core Insights - The article discusses the challenges faced by technology innovation enterprises, such as insufficient physical assets and difficulties in financing, and highlights how financial institutions are innovating products and services to support these companies [1][2] - A new policy tool called "innovation points" is introduced, which quantifies and evaluates a company's innovation capabilities based on key indicators like R&D investment and intellectual property, helping to improve access to financing [1][2] Group 1 - Technology innovation enterprises often possess multiple patents but struggle to convert these intangible assets into tangible financial support [1] - Agricultural Bank of China has developed the "Innovation Points Loan" to assess the innovation capabilities of enterprises and enhance their financing profiles [1][2] - The bank's initiatives have led to a significant increase in loans to technology enterprises, with a loan balance nearing 40 billion yuan and a growth rate of 22.5%, outpacing other loan categories by 20 percentage points [2] Group 2 - The bank's approach shifts from traditional asset-based lending to evaluating innovation potential, providing tiered financial support throughout the lifecycle of technology enterprises [2] - New financial products such as "Emerging Industry Empowerment Loan" have been introduced to assist companies that have received private equity investments but still face funding shortages [2] - The bank has implemented a three-tier structure for technology financial services, optimizing its offerings to better serve the needs of technology enterprises [2]

Core Insights - The "e Longyan" digital inclusive finance service platform has been recognized as an innovative case in digital government and has received multiple honors for its financial innovation efforts [2][3] Group 1: Digital Inclusive Finance Development - Longyan City has focused on developing inclusive finance by establishing the "e Longyan" platform, which integrates real-time public credit data from 18 departments and over 2000 items, providing a comprehensive digital financial service [2][3] - The platform has onboarded 33 banking institutions and 13 government-backed guarantee companies, offering 605 financial products and achieving interconnectivity with national platforms [2][3] Group 2: Financial Products and Services - The platform features six specialized sections including "Entrepreneurship Guidance" and "Rural Revitalization," and has launched 21 instant loan products with processing times as short as 5 minutes [3][4] - As of April 11, 2025, the platform has facilitated 83,100 online financing transactions, amounting to a total credit of 15.691 billion [3] Group 3: Innovation in Financing - The "Science and Technology Innovation Points e-loan" product was introduced to address financing challenges for innovative enterprises, with a total signing amount of 2 billion [4][5] - The evaluation system for enterprise innovation allows companies to obtain financing without collateral, with the "Science and Technology Innovation Points e-loan" having issued 194 million by March 2025 [5] Group 4: Remote Banking Services - The "Remote Banking" service has enabled clients to complete loan renewals online, showcasing the digital transformation of financial services in Longyan [6] - This service model has been recognized at the 2022 World Internet Conference, highlighting the innovative financial service achievements of Longyan [6] Group 5: Rural Financial Services - Longyan has developed a blockchain financing service platform for forestry, facilitating online operations for forest rights and significantly improving financing efficiency for farmers [7] - As of March 2025, the platform has issued 5,573 loans totaling 1.231 billion, supporting the transformation of ecological resources into economic benefits [7]