Core Viewpoint - The collaboration between WeBank and Suzhou Guofa Financing Guarantee Co., Ltd. focuses on providing financial support to technology innovation SMEs through a government-backed guarantee program, significantly enhancing the financing capabilities for these enterprises [1][2]. Group 1: Partnership and Financial Support - WeBank and Suzhou Guofa Guarantee have initiated an online batch financing guarantee cooperation, emphasizing the "Support for Technological Innovation Special Guarantee Program" launched by the national financing guarantee fund [1]. - Since the first loan disbursement on April 3, the total amount of loans provided under this collaboration has exceeded 200 million yuan, specifically targeting technology innovation SMEs in Suzhou [1]. - The partnership aims to alleviate long-standing financing difficulties faced by these SMEs, enabling them to access funds more quickly and efficiently [2]. Group 2: Policy Response and Implementation - The "Support for Technological Innovation Special Guarantee Program" was jointly released by four national ministries in July 2024, aiming to guide government financing guarantee institutions to support the innovation-driven development strategy [2]. - Suzhou Guofa Guarantee has implemented a "list-based" management approach to create a fast track for financing potential technology SMEs included in the national and local lists [2]. - WeBank's collaboration with Suzhou Guofa Guarantee exemplifies a proactive response to national policy initiatives, facilitating the application of government financing guarantees in the small and micro-enterprise loan sector [2]. Group 3: Future Plans and Expansion - WeBank plans to deepen its collaboration with Suzhou Guofa Guarantee, optimizing technology guarantee products and services while expanding partnerships with other government guarantee institutions in Jiangsu [3]. - The goal is to enhance support for technology innovation SMEs and contribute to the development of new productive forces in the Jiangsu region [3].

Core Insights - The article highlights the successful implementation of the "Technology Startup Pass" credit financing product, which has alleviated financial pressures for small and micro enterprises in Shenzhen through a streamlined application process [1][2]. Group 1: Product Overview - The "Technology Startup Pass" is a credit financing product developed by WeBank in collaboration with Shenzhen Credit Service Co., aimed at supporting innovative small and micro enterprises [1]. - The product operates under a "government-data-bank-guarantee" model, leveraging government policy support, data capabilities from credit institutions, and digital banking services to create a multi-layered risk-sharing system [1][2]. Group 2: Impact and Reach - As of March 2025, WeBank has served 2,454 technology enterprises in Shenzhen through the "Technology Startup Pass," with total loans exceeding 2.4 billion yuan [2]. - The product has successfully reached early-stage and startup enterprises, with the smallest having only 10 employees and the youngest established just one year ago [2]. Group 3: Data Utilization - The "Technology Startup Pass" utilizes a differentiated assessment model based on the data capabilities of Shenzhen Credit, allowing for tailored credit evaluations for over 200,000 early-stage technology enterprises [2]. - This approach moves beyond traditional reliance on government-supported lists, enabling access to a broader range of potential borrowers [2]. Group 4: User Experience - The product features a fully online application process, eliminating the need for collateral and physical account opening, thus enhancing user experience [2]. - Approximately 30% of the loans issued under the "Technology Startup Pass" are supported by guarantees from policy-backed financing institutions, significantly reducing financing costs for enterprises [2]. Group 5: Market Accessibility - The "Technology Startup Pass" effectively addresses the financing gap for small and micro enterprises by utilizing the "Xiao Wei Tong" platform to enhance accessibility and satisfaction in financial services [3]. - WeBank plans to replicate and promote this successful model in more regions across the country to further support the financing needs of small and micro enterprises and contribute to high-quality economic development [3].

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