Group 1 - The article highlights the challenges faced by a Shunde-based electrical company, which has developed cable technology certified by a major appliance manufacturer but is struggling with high debt levels and insufficient collateral for financing [1] - The company is experiencing a funding gap due to high R&D investments and a lack of traditional assets for collateral, leading to difficulties in securing loans from banks that are accustomed to traditional risk assessment models [1] - China Construction Bank's Foshan branch introduced an innovative financing guarantee model called "Ke Chuang Dan," which involves collaboration with provincial re-guarantee institutions to share risks and broaden credit access for technology enterprises [1] Group 2 - The bank's "Ke Chuang Dan" service model focuses on the core value of the enterprise, emphasizing its technological strength and qualifications, and customizes financing solutions by quantifying patent values and utilizing policy tools [2] - A rapid response team was formed to streamline the due diligence and approval process, resulting in a successful issuance of a 2.5 million yuan pure credit loan within 10 days [2] - The "Ke Chuang Dan" model has already benefited nearly 10 enterprises within two months of operation, demonstrating the effectiveness and necessity of the risk-sharing mechanism [2]