Core Insights - Postal Savings Bank of China (PSBC) Nantong Branch has launched an innovative product called "Incremental Guarantee" to address the financing difficulties faced by small and medium-sized enterprises (SMEs) [1][2] - The product allows for a higher collateral rate, increasing the traditional limit from 70% to 154%, thus creating a "credit + collateral" loan model [1] Group 1: Product Innovation - The "Incremental Guarantee" product was developed in collaboration with Jiangsu Credit Re-guarantee Group Nantong Branch to meet the needs of asset-light manufacturing enterprises [1] - The product effectively resolves the mismatch between collateral valuation and financing needs by flexibly configuring credit solutions [1] Group 2: Case Study - A specific case involves a company in the air compressor manufacturing sector, which faced a challenge where the assessed value of its 2000㎡ factory was only 37.5% of its invoiced amount [1] - By utilizing a combination of a 3 million yuan industry chain credit loan and a 3 million yuan incremental collateral loan, the company achieved a 200% collateral rate, successfully addressing a liquidity gap of 6 to 8 million yuan [1] Group 3: Market Reception and Future Plans - The product has already facilitated three transactions in its first month, with a total loan amount of 7.99 million yuan, receiving positive feedback from market participants [1][2] - The bank plans to enhance its financial services by establishing a special approval green channel, optimizing intelligent risk control models, and implementing interest rate discounts to better serve SMEs [2]

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]