Core Viewpoint - The launch of the "Seed Loan" product in Longgang District represents a significant innovation in financial services aimed at supporting seed-stage enterprises with high technological content and strong innovation capabilities [3][4]. Group 1: Product Overview - The "Seed Loan" product was developed through collaboration between the Shenzhen Municipal Finance Bureau, Shenzhen Credit, Longgang Financial Holdings, and WeBank, marking the first implementation of this initiative in the city [2][3]. - The product targets enterprises with high-level expert teams and core technologies but lacking qualifications and stable cash flow, addressing the financing challenges faced by these "two have, two have not" companies [4][6]. Group 2: Implementation and Impact - On the launch day, five seed-stage enterprises received a total of 1.7 million yuan in funding, showcasing the effective collaboration between policy innovation and financial services [2][4]. - The initiative is expected to provide nearly 1 billion yuan in funding support to approximately 1,000 "two have, two have not" enterprises within the year, facilitating the transformation of technological achievements into industrial applications [7]. Group 3: Risk Management and Selection Process - The selection of seed enterprises utilizes a multi-dimensional screening process based on models developed by Shenzhen Credit, which assesses the potential of approximately 2.6 million existing enterprises in Shenzhen [6]. - A multi-tiered risk-sharing mechanism has been established, allowing financial institutions to increase their risk tolerance and lending enthusiasm, thereby effectively matching financial resources with the urgent needs of seed-stage enterprises [6].