Core Viewpoint - The "Quality Credit Enhancement" financing model in Chengdu, Sichuan, transforms companies' quality management and innovation achievements into tangible financial assets, facilitating easier access to loans for small and medium-sized enterprises (SMEs) without collateral [1][2][3] Group 1: Financing Model - The "Quality Credit Enhancement" model was developed by the market supervision department in Chengdu, allowing companies to convert their quality attributes into bank credit, thus addressing the financing challenges faced by tech-driven SMEs [2][3] - This model quantifies 40 quality factors, including quality credit, management, branding, and innovation, which can be integrated into existing bank credit products, enhancing loan amounts and reducing interest rates [1][2] Group 2: Impact on Companies - Chengdu Xinghuiteng Group successfully secured a loan of 10 million yuan with doubled credit limits and a reduced interest rate of 0.6 percentage points, enabling the company to pursue larger orders and invest in innovation [1] - Chengdu Meifute Membrane Environmental Technology Co., Ltd. increased its loan amount from an estimated 10 million yuan to 15 million yuan due to the quality factors, allowing for the initiation of key R&D projects and new production lines [2] Group 3: Results and Future Plans - As of July, the model has facilitated over 160 loans totaling 1.127 billion yuan, significantly supporting the high-quality development of enterprises in the region [3] - Future plans include expanding the model's reach by integrating quality credit data into financial institutions and creating a standardized manual for broader implementation [3]

中小企业是经济高质量发展的活力之源。不少中小企业虽有一定的技术实力，但受企业规模小、抵押物不足等因素影响，存在融资难、融资贵等问题，制约 其进一步发展。金堂县市场监管局在开展蹲点服务"立园满园"过程中， 针对企业难点，创新推出"质量增信+"融资模式——企业质量管理水平、品牌价值、 创新能力等"软实力"可以作为银行融资增信的关键要素，让企业在发展过程中享受到更多"质量红利"。 没想到 "及时雨"来得很快，在金堂县市场监管局蹲点服务"立园满园"过程中，文海了解到，当地市场监管部门正联合金融监管部门和多家银行试点推行"质量增信 +"融资模式，可以将企业的技术和质量作为增信依据。于是他第一时间了解相关流程，并对照《金堂县质量融资增信要素表》的40项指标进行自查，发现 符合相关要求，就尝试着申请，结果却出乎他的意料。 "原本我们预计只能贷款500万元左右，但在质量要素增信加持下，获批额度达到了1000万元，并且利率比常规贷款降低了0.6个百分点。没想到企业看不见 的'质量资产'也能变成实实在在的'真金白银'。"文海表示，有了这笔贷款，企业大口径、高压力的研发项目速度加快，预计本年度将完成并实现产品面市， 可帮助企业增加 ...