Group 1 - The core viewpoint emphasizes the financial support provided by Lianshui Rural Commercial Bank to enhance the high-end equipment manufacturing industry through policy guidance, product innovation, and service optimization [1] - The bank optimizes its approval process, allowing for quick loan approvals at the county level, with large loans under 30 million yuan being approved and disbursed on the same day, significantly improving financing speed for the high-end equipment manufacturing sector [1] - A specialized team is formed to create personalized financial solutions based on the operational stage and existing loan conditions of high-end equipment manufacturing enterprises, offering tailored services such as startup loans and fixed asset loans [1] Group 2 - The bank has introduced various financial products like "Su Quality Loan," "Su Science Loan," "Small Micro Loan," "Tax Easy Loan," and "Increased Amount Insurance" to meet the specific needs of enterprises in the high-end manufacturing sector, supporting their competitiveness and innovation [1] - As of June 30, 2025, the bank has issued loans to 250 high-end manufacturing enterprises, with a total loan balance of 633 million yuan, reflecting an increase of 102 million yuan and a growth rate of 19.21% since the beginning of the year [1] - To alleviate repayment pressure for some enterprises, the bank offers seamless renewal loans, ensuring that companies do not face liquidity issues due to temporary funding shortages, and has established comprehensive enterprise information archives [2]

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]