Core Viewpoint - Jiangsu's small and micro enterprises face challenges in securing funding during peak seasons, highlighting the need for efficient and low-cost financing solutions [1] Group 1: Policy Support - The Jiangsu Provincial Government has established a comprehensive financial service platform to support small and micro enterprises, enhancing their access to financing [2] - The platform integrates multiple financial institutions and products, with a significant user base, facilitating quick responses to funding needs [2] - A case study illustrates that a digital product supply chain company successfully obtained a credit line through the platform, demonstrating its effectiveness in addressing information asymmetry [2] Group 2: Technological Empowerment - National platforms like Qifu Borrowing (formerly 360 Borrowing) leverage big data to provide low-interest, rapid, and flexible financing services to Jiangsu's small and micro enterprises [3] - The annual comprehensive interest rate for Qifu Borrowing starts at 7.2%, with features like instant approval and flexible repayment options [3] - A foreign trade enterprise reported that it received funds on the same day of application, alleviating financial pressure during a challenging period [3] Group 3: Case Validation - The Nanjing Fast Loan Network has been instrumental in providing quick approvals and debt optimization services, helping businesses manage their financial burdens effectively [4] - A restaurant owner successfully replaced high-interest loans with a bank product through the network, demonstrating its capability in debt management [4] - The Jiangsu Bank's "Business E-Loan" product offers flexible terms suitable for long-term funding needs of small and micro enterprises [4] Group 4: Future Trends - The future of financing in Jiangsu is expected to be driven by a combination of policy support and technological advancements, creating a more intelligent financing environment [5] - New loan products targeting future industries have been introduced, complementing the services offered by technology platforms [5] - The emphasis is on selecting the right platform to meet specific funding needs, with both official and technological platforms providing viable solutions [5]

Core Viewpoint - The successful loan of 10 million yuan from Dongfang Rural Commercial Bank to Jiangsu Yugong Biotechnology Co., Ltd. marks the official launch of the "Future Agricultural Loan" program, aimed at supporting high-growth industries such as biotechnology and synthetic biology [1] Group 1: Company Overview - Jiangsu Yugong Biotechnology Co., Ltd. was established in September 2021 and focuses on the research and production of molecular biology and nucleic acid drug production tools, enzymes, and related reagents [1] - The company has a strong emphasis on independent research and development, with over 40% of its team dedicated to R&D, successfully breaking the long-standing monopoly of foreign companies in the field of restriction endonucleases [1] Group 2: Financial Support and Impact - The loan will enable Jiangsu Yugong Biotechnology to carry out technology upgrades and market expansion, thereby enhancing its competitive advantage in the domestic biotechnology sector [1] - The "Future Agricultural Loan" is a specialized credit product launched by Jiangsu Rural Commercial Bank, tailored for future industries such as third-generation semiconductors and synthetic biology, along with their industrial chains [1] Group 3: Bank's Strategy - Dongfang Rural Commercial Bank has conducted thorough assessments of future industry enterprises in its jurisdiction, visiting each company to ensure effective implementation of supportive policies [1] - The bank aims to deepen and solidify the "Future Agricultural Loan" initiative, ensuring that beneficial products and policies reach more local enterprises, thereby supporting the development of future industries and their supply chains [1]

Core Insights - The future industry represents a new wave of technological revolution and industrial transformation, playing a vital role in global innovation and economic landscape changes [1] - Jiangsu province is accelerating the development of future industries, showcasing significant achievements at the 2025 Jiangsu Future Industry Innovation Development Exchange Conference [1] Comprehensive Strength - Jiangsu's future industry is experiencing rapid growth, with the province's core enterprises totaling 3,112 and revenue reaching 757.8 billion yuan in 2024 [3] - Jiangsu ranks among the top in the nation for innovation capabilities, with 315,000 invention patent applications and 114,000 granted patents in the future industry sector as of June 2025 [3] Innovation Capability - Jiangsu has made breakthroughs in cutting-edge technologies, exemplified by the successful CAR-T cell therapy for multiple myeloma patients, marking a significant advancement in cell and gene technology [4] - The province is enhancing the transformation of scientific achievements into practical applications, fostering a robust innovation ecosystem [4] Patient Capital - The Jiangsu provincial strategic emerging industry mother fund has established 41 specialized funds, with a total scale of 106.9 billion yuan, providing substantial financial support to future industry enterprises [6] - Jiangsu Rural Commercial Bank has committed to providing at least 10 billion yuan in loans for future industries within a year, with an annual growth rate of no less than 20% over the next three years [6] Talent System - Jiangsu has established 38 future industry-related disciplines and 23 provincial-level key industry colleges, strengthening the talent foundation for future industry development [7] Development Trends - The "Future Industry Pilot Cluster Development" initiative has led to significant advancements, with 21 pilot areas generating substantial innovation and economic activity [8] - In Changzhou, the hydrogen energy industry has seen rapid growth, with companies achieving significant sales and developing core intellectual property [8] Application Scenarios - Jiangsu has introduced 56 landmark products in future industries, showcasing advancements in wearable technology and robotics [9][10] Regional Cooperation - The Yangtze River Delta region is enhancing collaborative innovation networks, with joint efforts in low-altitude economy development and the establishment of cross-regional industry alliances [11] Development Entities - Jiangsu has seen a surge in future-oriented enterprises, with 30 new unicorns and 119 potential unicorns, leading the nation in these categories [12] - The province has 180 high-growth enterprises with annual revenues exceeding 5 million yuan and an average growth rate of over 50% in the past two years [12]