Mechanism Driven - The People's Bank of China Jinzhong Branch has established a "Financial+" dual-line coordination mechanism to integrate resources effectively, coordinating with 10 local governments and various industry departments [1] - A special action plan titled "Four-Wheel Drive to Build a New High Ground for Technology Finance in Jinzhong" has been jointly issued to enhance policy synergy [1] - The establishment of a hosting bank mechanism has been implemented, designating local Agricultural Bank and Construction Bank as the main banks for technology finance [1] Tool Driven - The bank has implemented policies for re-loans for technological innovation and technical transformation, resulting in a loan issuance of 290 million yuan, ranking second in the province [2] - A special quota for re-loans aimed at supporting agriculture and small enterprises has been utilized, with a total of 88 million yuan issued in the first half of the year [2] - The average interest rate for technology loans in the city is 4.02%, which is 0.26% lower than the average interest rate for corporate loans [2] Innovation Driven - The first provincial technology finance product "electronic book" has been compiled, detailing financial products and services for different stages of technology enterprises [3] - A "combination loan" financing model has been innovated to cater to technology enterprises lacking collateral, offering tailored financial packages [3] - A new credit evaluation model has been introduced, utilizing the "Star Light STAR" tool to assess technology enterprises without collateral [3] Service Driven - A policy promotion platform has been established to enhance communication between banks and enterprises, involving various industry departments [4] - An information sharing platform and whitelist system have been created, including 356 quality enterprises and projects [4] - Monthly meetings and online/offline matchmaking events have been organized, resulting in 192 enterprises reaching cooperation intentions with banks, totaling a signed amount of 2.083 billion yuan [4]