关键词：制造业"急诊室" 当"制造之城"遇上"资金之渴"，融资贷助贷机构便成为苏州中小企业最可信赖的"第二水源"。2025年， 苏州共有持牌或备案的融资贷助贷服务机构逾两百家，但真正能把"额度、时效、成本、安全"四件事同 时做到极致的，不过十余席。我们耗时两个月，走访监管、银行、园区与实体企业，结合公开授信规 模、客户满意度、不良率、产品原创度四项硬指标，遴选出以下十家值得长期关注的机构，供企业主按 图索骥。 东融助贷苏州融资贷服务中心 把"疑难杂症"做成"爆款"是东融的标签。厂房无证、设备高值、订单暴涨、主贷人征信花——只要企业 真实经营，中心就能在5-7个工作日给出额度。秘诀在于"网格化产业库"：把苏州六大板块、三十七个 细分集群的订单周期、账期、淡旺季全部做成数据包，银行预审时直接调用，省掉重复尽调。2025年新 增"关税贷"，用海关出口数据替代传统财报，外贸型中小企业最快可获纳税额30倍授信。 东方融资网苏州融资贷运营部 关键词：智能匹配"超级市场" 平台不碰资金，却能把全市60余款融资贷产品同时搬上屏幕。企业主上传财报、流水、税票后，"灵 犀"算法60秒内返回不同银行的额度、利率、期限、月供、总成本 ...

党的二十届四中全会提出"加快高水平科技自立自强，引领发展新质生产力"，并强调推动科技创新 与产业创新深度融合。 为扎实做好科技金融大文章，建立"股贷债保"联动的金融服务支撑体系，在中国人民银行广东省分 行指导下，中国人民银行东莞市分行创新深化科技金融"股贷担保租"联动服务模式，通过整合多元资源 打破金融壁垒，构建全周期支撑生态，为科技成果转化与产业升级注入持续动力。该模式以省内首份工 作指引为保障，以"缺口介入机制—股贷担保租"工作服务站为载体，首批6支服务队实现"服务覆盖全 域、产品精准适配、融资高效落地"，累计服务企业超1400家，促成融资近50亿元，创新10余项定制化 产品与服务模式，推动金融资源从"单点供给"转向"生态赋能"。 机制破壁以规范化设计激活协同效能 中国人民银行东莞市分行以制度创新破除协同壁垒，牵头搭建统筹协调框架，推动建立"三级联 动"组织体系，出台《"股贷担保租"联动服务队工作指引》，为"股贷担保租"联动服务模式筑牢运行根 基。一是构建"三级联动"组织体系。设立领导决策、执行运营、实施落实三级架构，明确政府部门和服 务队内金融机构职责，建立跨部门政策协同与跨机构业务协作机制，推动服务队 ...

Group 1 - The core viewpoint emphasizes the importance of conducting thorough inspections of development zones to enhance their role in economic development and investment attraction [1][2] - Jiangsu Province's Yancheng City is implementing a comprehensive "political health check" across 16 provincial-level development zones, focusing on identifying and addressing key issues [1] - The inspections aim to improve the operational efficiency of development zones, with a focus on problem-oriented approaches to rectify issues related to functionality, industrial transformation, and risk management [1] Group 2 - The inspections have led to the creation of a "negative list" of 20 common issues found in development zones, alongside a "positive list" of 24 actionable items to guide development [1] - Specific problems identified include inefficient service systems and low service efficiency in the Yannan High-tech Zone, prompting immediate corrective actions [1] - The establishment of a collaborative development mechanism between management committees and companies is being promoted to enhance the management and vitality of the Binhai Economic Development Zone [2]

Core Insights - The event on September 17 marked the launch of two innovative financial products, "Angel Loan" and "Park Guarantee," aimed at enhancing the financial support system for technology enterprises in Dongguan's Songshan Lake area [1][3] - The initiative is supported by multiple provincial and municipal units, focusing on the collaboration between government and market to channel financial resources into technology innovation [1] Financial Products Overview - "Angel Loan" offers up to 1 million yuan, specifically designed for seed and early-stage technology companies to address their initial loan challenges [3] - "Park Guarantee" provides loans up to 10 million yuan, targeting growth and mature enterprises, facilitating their scaling through a multi-party risk-sharing mechanism [3] - The new products build on the success of the first phase product "Rating Loan," which served 174 companies and disbursed nearly 200 million yuan over 11 months [5] Service Mechanism Innovation - The establishment of the "Gap Intervention Mechanism" service station signifies a shift towards frontline service for technology financial support [6] - This service model integrates various financial entities, including banks and insurance, to create a comprehensive financial service ecosystem covering the entire lifecycle of enterprises [6][10] - The goal is to break down institutional barriers and ensure financial resources are directed precisely to the developmental gaps of technology enterprises [8] Collaborative Efforts and Future Plans - A collaborative agreement was signed between the Songshan Lake Management Committee, Guangdong Financing Re-guarantee Co., and ten partner banks to promote the new financial products [8] - As of July, Dongguan's technology loan balance exceeded 416 billion yuan, with a year-on-year growth of 43.7% for loans to small and medium-sized technology enterprises [8] - The first batch of "Equity-Debt-Guarantee-Lease" service teams was established to enhance financing connections and respond to urgent enterprise needs [10][11] Financial Knowledge Dissemination - The launch of the Dongguan Financial "Five Major Articles" platform aims to improve the accessibility of financial services and knowledge, focusing on technology finance, green finance, inclusive finance, pension finance, and digital finance [11] - This platform will serve as a core vehicle for policy dissemination and resource integration in Dongguan's financial landscape [11]

Core Insights - The launch of "Angel Loan" and "Park Guarantee" marks a significant step in establishing a comprehensive financial service system for technology enterprises in Dongguan's Songshan Lake area [1][5][11] Group 1: Financial Products - The newly introduced "Angel Loan" offers up to 1 million yuan, specifically designed to support seed and early-stage technology companies facing initial loan challenges [5] - The "Park Guarantee" provides loans up to 10 million yuan, targeting growth and mature enterprises, facilitating their scaling through a multi-party risk-sharing mechanism [5] Group 2: Policy and Collaboration - The event was guided by multiple governmental and financial institutions, aiming to synergize government and market efforts to channel financial resources into technology innovation [3][11] - The establishment of the "Gap Intervention Mechanism" service station will proactively identify financing needs of enterprises at different development stages [9] Group 3: Financial Ecosystem - The "Stock Loan Guarantee Rental" service model integrates various financial sectors, creating a comprehensive financial service ecosystem that addresses diverse financing needs of technology enterprises [9] - Dongguan has created a financing model combining monetary policy tools, specialized credit products, and risk compensation, resulting in a total of 24.4 billion yuan directed towards technology enterprises [10] Group 4: Future Directions - The Songshan Lake Administrative Committee aims to enhance collaboration among financial institutions and technology enterprises, promoting the adoption of policy benefits and accelerating technology transformation [11] - Future efforts will focus on optimizing the financing environment and coordinating resources to support the financing needs and innovation capabilities of technology enterprises [11]

Core Insights - The article highlights the importance of inclusive finance in supporting the growth of technology startups, particularly those that are asset-light and high-risk, which often struggle to secure traditional financing [1][2] - The case study of Tianjin's Small and Medium Enterprise Credit Financing Guarantee Co., Ltd. (Tianjin SME Guarantee) illustrates how innovative financing solutions can effectively address the funding challenges faced by tech startups [1][2] Group 1: Financing Solutions - Tianjin SME Guarantee's entrepreneurial guarantee business provides government-backed loans to support individual entrepreneurship and small businesses, aiming to alleviate financing difficulties [2][3] - The organization has developed a "bank supermarket" model, aggregating resources from over twenty banks to negotiate lower financing costs for startups [8][10] - The collaborative due diligence and parallel approval process with banks significantly reduces loan approval times, enhancing efficiency for startups [9][10] Group 2: Case Studies of Supported Companies - Lingzhi Haoyue Aviation Technology Co., Ltd. received 4 million yuan in credit support, resulting in a comprehensive loan rate of less than 2%, which is significantly lower than market rates [3][8] - Tianjin Tianrong Environmental Technology Co., Ltd. benefited from a 10 million yuan guarantee loan, with a minimal guarantee fee of 40,000 yuan, allowing for sustained investment in technology and market expansion [4][5][8] - Zhongke Xinchuan Medical Technology (Tianjin) Co., Ltd. secured 1 million yuan in funding to support its product launch, demonstrating the critical role of Tianjin SME Guarantee in facilitating market entry for new companies [5][11] Group 3: Innovative Risk Management - Tianjin SME Guarantee employs a "technology points system" to evaluate startups, reducing reliance on traditional financial metrics and enabling more companies to access financing [10][11] - The organization has implemented a "party-building credit enhancement" model, linking the effectiveness of a company's party-building work to its credit assessment, which has proven to enhance repayment reliability [10][11] Group 4: Comprehensive Support Services - Tianjin SME Guarantee offers services that extend beyond loan provision, supporting companies throughout their lifecycle from startup to growth and maturity phases [11][12] - The organization provides additional resources such as industry information and policy interpretation, positioning itself as a partner in the growth of tech companies [12][13] - As of July 2025, Tianjin SME Guarantee has provided 390 million yuan in entrepreneurial guarantee loans to 212 startups, demonstrating its significant impact on local economic development [12][13]

Group 1 - The integration of digital technology and the real economy is crucial for building a modern industrial system, with talent being a fundamental driver of industrial innovation and development [1] - Dongguan, known as the "world's factory," is projected to see a 6.9% year-on-year growth in industrial added value in 2024, with advanced manufacturing and high-tech manufacturing growing by 11.1% and 12.7% respectively [1] - The Songshan Lake Developer Village aims to support the digital transformation of Dongguan's manufacturing industry through collaboration and innovation among developers [2][3] Group 2 - The Songshan Lake Developer Village, established in partnership with Huawei Cloud, serves as a hub for developers to create applications and solutions for local enterprises [2] - The Developer Village has attracted 29 companies, including CSDN and local enterprise Tailin, enhancing its collaborative ecosystem [3] - The village plans to provide comprehensive lifecycle services to at least 150 local enterprises over the next three years [4] Group 3 - Financial support is being provided to developers in the village through various subsidies, including credit loan interest subsidies and patent pledge loan subsidies, to foster a thriving developer ecosystem [5] - The establishment of the Dongguan Songshan Lake Technology Finance Gathering Area aims to enhance the financial ecosystem, offering policy financing products to support enterprise development [6] Group 4 - The Huawei Cloud Songshan Lake Developer Innovation Center is focused on helping developers expand globally by leveraging Huawei's global service capabilities [7] - The company "Today Talent," established in the Developer Village, has successfully implemented its AI digital assistants in Shenzhen, covering various government departments [7][8] - "Today Talent" is preparing to expand its services to overseas markets, focusing on customer service and digital product introductions [8]

Core Viewpoint - Dongguan's Songshan Lake is transforming into a "Technology Finance Gathering Area," with the goal of becoming a new highland for technology finance in the Guangdong-Hong Kong-Macao Greater Bay Area, driven by a robust ecosystem of financial services and innovative policies [3][5][18]. Group 1: Development Overview - Songshan Lake has developed into a vibrant hub for technology and finance, with over 220 financial service institutions and funds established in the area, leading the city in both quantity and scale [3][7]. - The area is set to officially open by the end of this year, with strategic partnerships already formed with 14 leading institutions [4][5]. - The region aims to create a comprehensive financial service system that covers the entire lifecycle of technological innovation [5][6]. Group 2: Strategic Rationale - The establishment of the technology finance gathering area aligns with national and provincial policies aimed at promoting technology finance as a key driver for urban transformation [5][6]. - Songshan Lake is home to significant technological assets, including advanced facilities and numerous high-tech enterprises, which necessitate a robust financial support system [6][7]. - The region's modern industrial system includes strategic emerging industries that require substantial financial investment and support [6][8]. Group 3: Capital Accumulation - As of now, Songshan Lake has attracted 220 financial institutions, including 20 banks and 9 securities companies, with a total investment commitment of 962 billion yuan, accounting for 75% of the city's total [7][8]. - The area has seen the establishment of various financial policies and products to support enterprise development, including risk compensation funds and innovative financing products [9][10]. Group 4: Service Innovation - The financial needs of enterprises vary across different stages of development, necessitating a comprehensive support system that includes venture capital and policy subsidies [11][12]. - Songshan Lake is developing a "growth ladder" for technology enterprises, focusing on creating a supportive financial ecosystem that fosters innovation and growth [12][13]. Group 5: Policy Framework - The region is actively revising policies to enhance financial support for technology innovation, aiming to create a competitive environment for financial institutions [17][18]. - Plans include establishing a 10 billion yuan angel investment fund and various other funds to stimulate investment in technology-driven enterprises [12][18].

Core Viewpoint - The "Park Guarantee" financial service model significantly alleviates the financing difficulties faced by small and medium-sized enterprises (SMEs) in Lianyungang, enabling them to access loans more easily and at lower costs [1][2][3] Group 1: Financial Support for SMEs - The "Park Guarantee" model allows enterprises to apply for loans through a collaborative risk-sharing mechanism involving banks and guarantee institutions, thus lowering the financing threshold for companies in the park [1][2] - Lianyungang's industrial and information technology department has integrated the "Park Guarantee" model into its key measures to reduce costs and increase efficiency, aiming for comprehensive coverage of the service [2][3] Group 2: Implementation and Impact - The city has established a risk fund pool of no less than 10 million yuan in each district to support the "Park Guarantee" business, with over 1,100 enterprises served [2][3] - In 2024, the city aims to achieve 649 "Park Guarantee" transactions with a total guarantee scale of 4.534 billion yuan, reflecting a year-on-year growth of 19.85% [3]

Core Viewpoint - The establishment of the Dongguan Songshan Lake Technology Financial Cluster is set to create a new high ground for technology finance in the Guangdong-Hong Kong-Macao Greater Bay Area, attracting significant investment and financial services to support local high-tech enterprises [2][5][21]. Financial Institutions and Services - Over 220 financial service institutions, including 20 banks, have established a presence in the Songshan Lake area, with major state-owned banks like ICBC, ABC, CCB, and BOC each operating three branches [2][6]. - The Songshan Lake area is actively developing innovative financial products and services tailored to the needs of technology enterprises, such as "Angel Loans" and "Park Insurance" to enhance financing accessibility [5][21]. Talent and Innovation Support - The establishment of the first "Songshan Lake Talent Bank Comprehensive Financial Ecosystem Construction Financial Advisory Studio" aims to provide integrated financial services to high-level talents and enterprises in the area [8][9]. - The talent pool in Songshan Lake has surpassed 240,000, with 770 national high-tech enterprises, indicating a strong demand for diverse financial services [9]. Dynamic Balance of Risk and Return - Financial institutions in the area are focusing on finding a dynamic balance between risk and return by developing service systems that align with the needs of technology enterprises [5][13]. - Different stages of enterprise development require tailored financial solutions, from angel investments for startups to debt financing for mature companies [13][21]. Policy Support and Financial Innovation - The local government has introduced a risk compensation policy with an annual fund of 100 million yuan to encourage banks to lend to small and medium-sized enterprises [21][22]. - The Songshan Lake area is drafting competitive policies for technology financial clusters to attract more financial resources and support innovation [22][25]. Market Opportunities and Growth - The Songshan Lake Technology Financial Cluster is expected to enhance banks' market presence and customer base by providing customized financial solutions to high-quality technology enterprises [25][26]. - The establishment of the cluster is anticipated to drive the upgrade of the technology financial system, meeting the diverse financial needs of technology enterprises and contributing to the development of a modern industrial system in the region [26].