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普惠千万家|以创新服务破解融资难题 浦发银行着力书写金融支持实体经济“民生答卷”
Sou Hu Cai Jing· 2025-09-17 01:44
创新融资机制:让轻资产企业的"创新力"变身"融资力" 传统信贷模式对有形资产的倚重,让科创企业、小微企业的知识产权、研发投入、商业价值等"软实 力"难以变现。浦发银行武汉分行普惠金融部总经理张若虚表示:"科技企业的核心资产是人、技术和专 利,但这些无形资产在以往传统风控体系中难以量化。" 2025年,湖北省推出"知识价值信用贷"和"商业价值信用贷"两项改革工具,浦发银行作为首批试点银行 迅速响应。依托省级平台"鄂融通"和"智慧大脑",打通科技、税务、知识产权等十余个部门的数据壁 垒,构建企业精准信用画像,形成"数据增信+财政托底"的风控闭环。 数智赋能体验:一站式数智平台让融资像"网购"一样便捷 轻点手机屏幕,输入企业信息,3分钟测出授信额度——在帝舍智能科技(武汉)有限公司,总经理孟 群通过"浦惠来了"App成功申请到880万元"知识价值信用贷"。这家专注智能清洁领域技术研发的企业, 手握700余项全球专利,却曾因缺乏抵押物数次融资受挫。"如今专利就是硬通货,线上申请一周放款, 利率还比传统贷款低。"孟群感叹。 "浦惠来了"App是浦发银行专为中小微企业打造的数智化综合服务平台。该平台集"测额度、提申请、 ...
荆楚大地上的普惠金融创新:“冷数据”算账,“暖分析”帮扶
Nan Fang Du Shi Bao· 2025-08-19 04:33
Core Insights - The article highlights the transformative impact of inclusive finance in Hubei, particularly through innovative loan products that address the financing challenges faced by small and micro enterprises, farmers, and technology companies [2][3][4][5]. Group 1: Challenges in Inclusive Finance - Hubei Bank faces common industry challenges such as scattered credit data, lack of collateral, and high operational and risk control costs, which hinder access to financial services for small business owners [3]. - Long-standing issues like inefficient capital allocation and limited financing channels have been significant barriers to the growth of private enterprises in Hubei [4]. - The reliance on traditional collateral requirements restricts financing for asset-light market participants, leading to difficulties for agricultural and technology enterprises in securing loans [4][5]. Group 2: Innovative Solutions - Hubei Bank has developed a product system aimed at addressing the financing difficulties of technology companies, small and medium enterprises, and farmers by leveraging credit value instead of traditional collateral [6][7]. - The bank introduced three types of credit value loans in 2025: Knowledge Value Credit Loan, Commercial Value Credit Loan, and Two-Farmer Credit Value Loan, allowing businesses to access loans without collateral [6][7]. - The Knowledge Value Credit Loan enables up to 10 million yuan in credit for technology companies based on innovation metrics, while the Commercial Value Credit Loan quantifies soft strengths like tax records and market reputation for small businesses [6][7]. Group 3: Service Accessibility and Efficiency - Hubei Bank has expanded its service network to ensure financial services reach rural areas, with 254 branches covering all cities and counties, and mobile financial service stations bringing services directly to farmers [8]. - The bank has implemented a full lifecycle service system that caters to businesses at different growth stages, offering tailored products from startup loans to larger financing options [9]. - The introduction of the "301" online quick loan model allows for a streamlined application process, significantly improving approval efficiency and reducing the need for collateral [10]. Group 4: Collaborative Ecosystem - Hubei Bank has established a collaborative ecosystem involving government and enterprises to share risks and enhance the effectiveness of inclusive finance initiatives [11]. - The bank's "One County, One Product" strategy aligns financial services with local industry needs, exemplified by tailored loan products for specific agricultural sectors [11][12]. - Future plans include expanding the bank's technological capabilities and product offerings to ensure comprehensive coverage of regional industries and enhance the effectiveness of inclusive finance [12].
强信心·走进百企丨湖北:金融赋能“轻资产”变现 激活企业创新动能
Xin Hua She· 2025-07-02 02:24
Core Viewpoint - Hubei province is leveraging institutional innovation to address financing challenges faced by small and micro enterprises and technology companies, creating a collaborative financial ecosystem involving government, banks, and businesses [1] Group 1: Financing Challenges - Small and micro enterprises often struggle with financing due to a lack of effective collateral, leading to cash flow issues, as highlighted by the chairman of Wuhan Bowang Xinyuan Environmental Technology Co., Ltd [2] - The financing difficulties are attributed to three main pain points: the challenge of assessing intangible assets like commercial value and patents, information asymmetry between banks and enterprises, and the high risk management difficulty for financial institutions [2][3] Group 2: Innovative Solutions - Hubei has implemented a provincial platform called "E-Rong Tong" and a "smart brain" system to break down data barriers across various departments, enabling precise credit profiling for enterprises [3] - The introduction of commercial value credit loans has allowed companies like Bowang Xinyuan to secure significant funding based on their credit ratings, demonstrating the effectiveness of the new financing policies [2][3] Group 3: Implementation and Impact - The Shanghai Pudong Development Bank (SPDB) Wuhan Branch has successfully transitioned its credit evaluation from fixed asset-based to innovation capability-based, facilitating quicker loan approvals for technology-driven companies [4] - The "Pu Hui Lai Le" app has been launched to provide comprehensive financial services for small and micro enterprises, enabling a streamlined online loan application process [4] - As of June 30, 2023, the SPDB Wuhan Branch has served 195 clients with knowledge value credit loans, totaling 11.981 billion yuan in credit, and 4.258 billion yuan in disbursed loans [5] Group 4: Ecosystem Development - The provincial support for small and micro enterprises has been continuously improving, leading to enhanced financing efficiency and reduced costs for companies [6][7] - The "knowledge value credit loan" and "commercial value credit loan" models are fostering a positive reaction in Hubei, with a significant number of technology enterprises benefiting from these initiatives [7] - The "smart brain" platform has attracted 21 financial institutions and offers a wide range of 51 technology financial products, indicating a robust ecosystem for innovation financing [7]