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从“融资”向“融智”跨越 一家县域农商银行的科技金融蝶变之路
Jin Rong Shi Bao· 2025-12-25 03:20
Core Insights - The article highlights the proactive role of Hai'an Rural Commercial Bank in supporting technology-driven enterprises, showcasing its innovative financial services tailored to the needs of high-tech companies [1][2][3]. Group 1: Financial Support and Growth - Hai'an Rural Commercial Bank provided a loan of 10 million yuan to Nantong Sifang New Materials Co., Ltd., which has grown from a 30 million yuan output to 280 million yuan, demonstrating the bank's commitment to nurturing local tech enterprises [1]. - The bank has supported 547 technology-based enterprises, with a total credit loan balance of 9.566 billion yuan, reflecting its significant impact on the local tech ecosystem [2]. Group 2: Innovative Credit Assessment - The bank has established a new evaluation system that shifts focus from traditional asset-based assessments to evaluating future value and core capabilities of enterprises, allowing for more flexible credit support [2]. - This new model emphasizes the importance of intellectual property and cash flow over fixed assets, enabling tech companies to secure funding based on their innovation potential [2][3]. Group 3: Specialized Service Mechanisms - Hai'an Rural Commercial Bank has implemented a "six-special" mechanism to create a specialized service team for tech enterprises, ensuring tailored financial solutions [4]. - The bank launched Jiangsu's first financial service standard for tech enterprises, which aims to standardize and enhance service quality and efficiency [5]. Group 4: Comprehensive Product Offerings - The bank has developed a diverse product matrix that addresses the financial needs of tech enterprises at different growth stages, from startup loans to specialized financing for mature companies [6]. - Specific products include "Tech Innovation Loans" and "Talent Loans," designed to support various aspects of enterprise development [6]. Group 5: Ecosystem Building and Collaboration - Hai'an Rural Commercial Bank positions itself as a resource connector, collaborating with government and industry bodies to enhance support for tech enterprises [7]. - The bank has implemented differentiated interest rates for tech companies, resulting in a 70 basis point reduction in average loan rates compared to the previous year, thereby reducing financing costs for businesses [7].
宜兴市原臻家居科技有限公司成立 注册资本20万人民币
Sou Hu Cai Jing· 2025-11-19 00:42
天眼查App显示,近日,宜兴市原臻家居科技有限公司成立,法定代表人为刁誉,注册资本20万人民 币,经营范围为一般项目:技术服务、技术开发、技术咨询、技术交流、技术转让、技术推广;家居用 品销售;竹制品销售;人造板销售;木材销售;木材收购;日用木制品销售;软木制品销售;木制容器 销售;门窗销售;地板销售;建筑装饰材料销售;塑料制品销售;橡胶制品销售;五金产品批发;电气 设备销售;环境保护专用设备销售;电线、电缆经营;模具销售;建筑材料销售;仪器仪表销售;建筑 用金属配件销售;化工产品销售(不含许可类化工产品);玻璃纤维及制品销售;非金属矿及制品销 售;耐火材料销售;合成材料销售;涂料销售(不含危险化学品);装卸搬运;家具安装和维修服务; 室内木门窗安装服务;住宅水电安装维护服务(除依法须经批准的项目外,凭营业执照依法自主开展经 营活动)。 ...
临沂林溪家居科技有限公司成立 注册资本10万人民币
Sou Hu Cai Jing· 2025-11-18 05:15
Core Viewpoint - Linxi Home Technology Co., Ltd. has been established with a registered capital of 100,000 RMB, indicating a new player in the home technology sector [1] Company Overview - The legal representative of the company is Hou Mengyao [1] - The company is registered with a capital of 100,000 RMB [1] Business Scope - The company operates in various sectors including: - Internet of Things (IoT) technology services - Sales of office supplies, stationery, sports equipment, daily necessities, toys, lighting, maternal and infant products, and outdoor goods - Sales of personal hygiene products and textiles - Sales of food packaging tools and pre-packaged food [1] - The company also provides information technology consulting and various technical services such as development, consulting, and technology transfer [1] - Certain activities require approval, including retail of publications and internet live streaming services [1]
赣州智脉家居科技有限公司成立 注册资本200万人民币
Sou Hu Cai Jing· 2025-08-26 02:48
Group 1 - Ganzhou Zhimai Home Technology Co., Ltd. has been established with a registered capital of 2 million RMB [1] - The legal representative of the company is Ye Zeng [1] - The company's business scope includes furniture sales, AI software development, professional design services, and various technology-related services [1] Group 2 - The company is involved in the sales of electronic products, lighting fixtures, and smart home consumer devices [1] - It also engages in research and development of new materials and IoT technology [1] - The company offers advertising design and production, as well as event planning services [1]