Core Viewpoint - The article highlights the challenges and support mechanisms for small and micro enterprises in China, particularly focusing on Xi'an Zhongke Lide Infrared Technology Co., Ltd., which is leveraging financial support to overcome funding difficulties and enhance its technological capabilities [1][2][3]. Group 1: Company Overview - Xi'an Zhongke Lide Infrared Technology Co., Ltd. has launched a new series of anti-drone optical radars that utilize multi-band optical composite detection and intelligent recognition technologies, achieving over 90% identification accuracy [1]. - The company, established ten years ago, has experienced a significant increase in funding needs as it transitions from a startup to a growth phase [1]. Group 2: Financial Challenges and Support - The company faced a funding crisis with a loan of 30 million yuan due to extended customer payment cycles, risking a cash flow disruption [1]. - Financial institutions, including several banks, provided non-repayable renewal loans to help the company navigate its financial difficulties, following a policy optimization by the Financial Regulatory Bureau that expanded the scope of such loans to all small and micro enterprises [2][3]. Group 3: Financing Mechanisms - The Agricultural Bank of China established a specialized service team to address the financing needs of small and micro enterprises, resulting in a 20 million yuan short-term working capital loan for Zhongke Lide, with a rapid approval process of just five working days [3][4]. - The bank's new credit service system evaluates technology-based enterprises based on their innovation capabilities rather than traditional collateral, facilitating easier access to financing [3]. Group 4: Impact of Financial Policies - Since the establishment of the financing coordination mechanism in Shaanxi Province, over 2.2 million small and micro enterprises have been visited, leading to new loans totaling approximately 153.89 billion yuan, with a loan approval rate exceeding 90% [4]. - The company has benefited from lower financing costs, with a loan interest rate reduced by 1.5 percentage points compared to market levels, resulting in annual savings of 300,000 yuan [4]. Group 5: Future Prospects - The company aims to integrate infrared thermal imaging technology with the Internet and artificial intelligence, expanding its applications into smart cities, intelligent buildings, and healthcare, necessitating further financial support for technological breakthroughs [5]. - Financial institutions plan to continue supporting the company through investment and loan linkage, ensuring adequate resources for innovation [5].