Core Insights - The Jiangxi Provincial Market Supervision Administration has successfully facilitated a financing model using commercial secrets, enabling a local food technology company to secure a loan of 3.6 million yuan from the Bank of China, marking a significant step in addressing financing challenges for enterprises [1][2] Group 1: Financing Mechanism - The financing model allows companies to leverage their core commercial secrets as collateral, enhancing their creditworthiness and easing the risk management burden on financial institutions [1] - The Bank of China reduced the loan interest rate by 25 basis points and secured a preferential guarantee fee rate of 0.6%, nearly 40% lower than the market average, saving the company over 20,000 yuan in financing costs [2] Group 2: Impact on Enterprises - The financing support has alleviated the company's cash flow pressures related to raw material procurement, enabling expansion of production capacity and improvement in service quality [1] - The model promotes a cycle of research and development, protection, financing, and further research, thereby enhancing the core competitiveness of Jiangxi's industrial clusters and supporting high-quality industrial development in the province [2] Group 3: Future Directions - The Jiangxi Provincial Market Supervision Administration plans to strengthen the protection of commercial secrets and expand financial services related to these assets, aiming to create a robust support system for modern industrial development in Jiangxi [2]

Core Insights - The successful implementation of the first commercial secret pledge financing loan in Jiangxi Province marks a significant innovation in addressing financing challenges for small and medium-sized enterprises (SMEs) [1][2] Group 1: Financing Innovation - The Jiangxi Provincial Market Supervision Administration has facilitated a new financing model that leverages commercial secrets as collateral, enhancing credit levels for enterprises and easing the risk management burden on financial institutions [2] - The financing support of 3.6 million yuan from China Construction Bank to a local food technology company demonstrates the effective activation of intangible assets, providing a new pathway for SME financing in Jiangxi [1][2] Group 2: Cost Reduction - The loan's interest rate was reduced by 25 basis points based on the company's qualifications and project prospects, while the guarantee fee rate was lowered to 0.6%, nearly 40% below the market average, resulting in savings of over 20,000 yuan in financing costs for the enterprise [2] Group 3: Empowering Innovation - The commercial secret pledge financing not only provides liquidity to individual enterprises but also encourages financial resources to flow towards companies with core technologies and independent intellectual property, fostering a positive cycle of research and development [3] - The Jiangxi Provincial Market Supervision Administration plans to strengthen the protection of commercial secrets and enhance the depth and breadth of financial services related to commercial secrets, supporting the development of a modern industrial system unique to Jiangxi [3]