Group 1 - The core viewpoint emphasizes the importance of small and micro technology enterprises in the national innovation system and highlights the persistent issue of "difficult and expensive financing" that hampers the transformation of technological achievements [1] - CITIC Bank Jinan Branch has launched a recognized inclusive micro technology achievement transformation loan to address the financing challenges faced by technology enterprises, focusing on innovation and deepening cooperation with government [1][3] - The bank's initiative aims to provide low-cost and efficient financing support to technology enterprises by leveraging government interest subsidy policies, which can cover 40% of the financial burden for these companies [1] Group 2 - A specific technology company in Shandong, recognized as a national high-tech enterprise, faced financing difficulties due to a lack of effective collateral while trying to expand production [2] - CITIC Bank Jinan Branch matched the company with the "Science and Technology Innovation e-loan" product, which is a pure credit, fully online loan that does not require collateral, thus meeting the urgent financing needs of the enterprise [2] - The bank facilitated a green channel for the company, enabling a quick loan approval process that allowed funds to be disbursed within a week, significantly reducing the actual financing costs due to the 40% government subsidy [2] Group 3 - The launch of the technology achievement transformation loan represents CITIC Bank Jinan Branch's commitment to serving the real economy and advancing inclusive finance, with plans to continue exploring new paths and models for supporting technological innovation [3] - The bank aims to integrate into local development strategies and enhance cooperation with government and guarantee institutions to provide comprehensive financial services to more small and micro enterprises [3]