Core Viewpoint - Agricultural Bank has launched an innovative online credit loan product called "Kejie Loan" to address the financing difficulties faced by technology-based small and micro enterprises, characterized by "light assets, high risks, and high growth" [1][2]. Group 1: Product Features - "Kejie Loan" leverages multiple dimensions of information, including technology enterprise recognition qualifications, intellectual property, and innovation scores, to create a comprehensive profile of enterprises, thus reducing reliance on traditional collateral [1]. - The loan supports a maximum revolving credit limit of 10 million yuan, allowing for flexible borrowing and repayment, which significantly lowers the cost of capital for enterprises [3]. Group 2: Efficiency and Accessibility - The loan can be applied for and managed through various online channels, including corporate online banking and mobile banking, enabling self-service operations for loan application, signing, fund usage, and repayment [2]. - The approval process for "Kejie Loan" utilizes big data models to enhance operational efficiency, drastically reducing the time required for loan processing [2]. Group 3: Case Studies - A high-tech enterprise, Changsha Miqi Instrument Equipment Co., faced financing challenges due to a lack of effective collateral but successfully obtained the first "Kejie Loan" after a comprehensive evaluation of its intellectual property and market potential [1]. - A consulting company in Chengdu received a 5 million yuan pure credit "Kejie Loan" within half a day, highlighting the efficiency of the service [2]. - Baoji Titanium Industry Co., a leading high-tech enterprise, received a 10 million yuan "Kejie Loan" to support raw material procurement amid price fluctuations, demonstrating the bank's tailored financial solutions [3]. Group 4: Future Plans - Agricultural Bank aims to continue enhancing its support for small and micro enterprises, focusing on key sectors like technology, improving data empowerment, and enhancing loan processing efficiency to better serve clients [3].