邮储银行基于无形资产的"科创贷"，解锁科技型企业的核心价值，贷款决策改由企业的未来成长潜力决 定，而非固定资产积累，这可激励持续创新，形成正向循环。并且，打破对土地、房产等传统硬抵押物 的路径依赖，为多数科技型企业提供更宽的债权融资渠道，从而可优化融资结构，并降低融资门槛。 近年来，为深度服务国家创新驱动发展战略，中国邮政储蓄银行在广东江门地区积极创新金融服务模 式，通过创新产品、快速放款、陪伴式服务，精准支持当地"专精特新"及高新技术企业发展。9月17 日，记者前往恩平市宏兴铝业有限公司、广东万佳泓不锈钢制品有限公司，江门市力丰电机有限公司进 行实地调研。 创新贷款，打破传统抵押物限制 科技型制造企业常常面临研发投入大、回款周期长，原材料采购和设备升级需要大量流动资金等共性挑 战。 恩平市宏兴铝业有限公司是江门地区铝型材制造的领军企业，正处于智能化、绿色化转型的关键期，资 金需求迫切。对此，邮储银行恩平市支行2025年为其发放3394万元"科创贷"，基于无形资产（专利、软 件著作权）进行授信，打破了传统抵押物限制。 如今的台山，不锈钢产业园内生机盎然，万佳泓的生产车间里机器轰鸣，工人们正全力赶制一批发往中 ...

Group 1 - Guangdong Wanjiahong Stainless Steel Products Co., Ltd. is a leading enterprise in the domestic stainless steel decoration sector, facing challenges due to rising raw material prices and increased order volumes, necessitating timely fund allocation to ensure production continuity and on-time delivery of orders [2] - Postal Savings Bank's Taishan branch provided a loan of 5 million yuan to Wanjiahong within 72 hours through an online cluster loan model, which operates without paper materials and offers a lower annual interest rate compared to the market average [2] - The funding alleviated immediate production challenges and boosted the company's confidence in achieving its development goals [2] Group 2 - Enping Hongxing Aluminum Industry Co., Ltd. is a leading enterprise in the aluminum profile industry, which is becoming a key driver for local industrial revitalization, but it faces challenges such as high R&D costs, long payment cycles, and difficulties in light asset financing [4] - Since 2011, Postal Savings Bank's Jiangmen branch has established a cooperative relationship with Hongxing Aluminum, providing a "Science and Technology Loan" of 33.94 million yuan in 2025, which is suitable for companies with significant R&D investments [5] - Jiangmen Lifeng Electric Motor Co., Ltd., a high-tech enterprise focused on developing energy-saving and environmentally friendly motors and generators, received personalized financial service solutions from Postal Savings Bank's Jiangmen urban branch, which actively engaged with the company to understand its operational status and development plans [5][7] Group 3 - Postal Savings Bank's Jiangmen branch is actively responding to the "Industrial Revitalization" initiative in Jiangmen, focusing on the intelligent and green transformation of the manufacturing sector, and integrating finance, technology, and manufacturing to provide continuous financial support for the local private economy [7]