Core Viewpoint - Postal Savings Bank of China (PSBC) Anhui Branch has launched the "U Benefit Plan" to support the financial needs of high-growth technology enterprises, demonstrating effective financial support during critical development periods [1][2]. Group 1: Financial Innovation - The "U Benefit Plan" combines "loan + external direct investment" to address the financing challenges faced by technology companies, particularly those with light assets and lack of collateral [2]. - The plan includes a "stock option arrangement" and "forward cooperation rights" to create customized win-win solutions for high-growth technology firms [1]. Group 2: Case Study - Anhui Zhuopu Intelligent Equipment Co., Ltd. received a tailored financial solution of 60 million yuan in credit and 50 million yuan in stock options within two weeks, alleviating immediate funding pressures [1]. Group 3: Evaluation System - PSBC Anhui Branch has developed a "technology flow" evaluation system that uses hard indicators such as patent quantity, R&D investment intensity, and technical team strength as credit assessment criteria [2]. - The bank's financial products, such as "Science and Technology E-Loan" and "Intellectual Property Pledge Loan," facilitate the transformation of intellectual property into assets [2]. Group 4: Long-term Service Mechanism - The bank has established a "123+N" technology finance professional system, which includes dedicated credit products, specialized review processes, and incentive mechanisms tailored to key industries [2]. - As of June 2023, the bank's technology loan balance exceeded 50 billion yuan, with over 80% directed towards private enterprises [2].