Group 1 - The "Private Credit Loan" product was launched to address financing challenges faced by private enterprises, allowing for better alignment between financing and innovation cycles [1] - On April 18, Jiangsu Oulite Energy Technology Co., Ltd. signed a contract with Gaoyou Rural Commercial Bank to obtain a credit line of 10 million yuan under the "Private Credit Loan" program, which is the first credit loan product specifically for private enterprises in the country [1][2] - A total of 350 million yuan was granted to eight private enterprises during the signing ceremony, with 150 million yuan specifically allocated to the "Private Credit Loan" [1] Group 2 - The "Private Credit Loan" program has a total credit line of 100 billion yuan for this year, featuring three major breakthroughs: higher credit limits, longer loan terms, and lower costs [2] - The maximum credit limit for the "Private Credit Loan" can exceed the conventional limit of 30 million yuan based on the enterprise's situation, with loan terms extending up to 10 years for project loans [2] - The product offers interest rates that are 10 to 100 basis points lower than similar loans, as it does not require collateral or guarantees [2] Group 3 - Jiangsu Rural Commercial Union Bank, the largest financial institution in Jiangsu, aims to promote private economic development through deep cooperation in five key areas: rural revitalization, future industries, green development, elderly care services, and livelihood sectors [3] - The provincial development and reform commission plans to focus on small and micro enterprises, addressing financing issues for technology-based companies lacking collateral and exploring a risk assessment mechanism for these enterprises [3]