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破解“重物轻人”信贷难题 科技金融服务学会“千人千面”
Shang Hai Zheng Quan Bao· 2025-05-12 18:53
Core Insights - The article discusses the innovative financial services provided by Zheshang Bank to support technology-driven companies in Zhejiang, particularly focusing on the case of Fubao Intelligent Technology Co., Ltd. [3][4][6] Group 1: Financial Innovation - Zheshang Bank has developed a differentiated financial service system called "thousand people, thousand faces," which shifts the evaluation criteria for technology companies from traditional asset-based metrics to talent and innovation-based metrics [7][8] - The bank has established a "Talent Bank" to support high-level talent and technology enterprises, providing tailored financial products to meet their unique needs [7][10] Group 2: Case Study - Fubao Intelligent - Fubao Intelligent experienced significant growth in orders for its intelligent care robots in 2023 but faced financial pressure due to high upfront development costs and lack of collateral for traditional financing [5][6] - Zheshang Bank provided Fubao Intelligent with a 10 million yuan loan to alleviate its liquidity issues, demonstrating a proactive approach to understanding and addressing the financial needs of technology companies [6][8] Group 3: Broader Impact on Technology Sector - The bank's support has enabled Fubao Intelligent to set ambitious sales targets for 2025, with a credit limit approaching 100 million yuan, indicating a strong growth trajectory [6][10] - Zheshang Bank has served over 32,000 technology enterprises, providing financing exceeding 400 billion yuan, showcasing its commitment to fostering innovation and supporting the technology sector [8][11] Group 4: Future Directions - The bank is expanding its services to include cross-border financial solutions for technology companies looking to enter international markets, reflecting a growing trend in the industry [11][12] - Zheshang Bank aims to transform from a traditional funding provider to an ecosystem builder, emphasizing long-term partnerships and comprehensive service offerings for technology innovation [12]
“读懂人才”破解科技金融堵点:院士团队估值可超厂房设备
Xin Lang Cai Jing· 2025-04-27 10:15
Core Viewpoint - The article highlights the innovative approach of Zhejiang Zheshang Bank in providing financial support to technology-driven enterprises by focusing on "soft information" such as talent and technology rather than traditional collateral and cash flow metrics [1][5][6]. Group 1: Company Overview - Heli Technology Co., Ltd., founded in June 2018, specializes in industrial digitalization and AI technology, with over 60% of its workforce dedicated to R&D [1]. - Zhejiang Zheshang Bank has approved a credit limit of 25 million yuan for Heli Technology through its "Talent Bank" product, emphasizing the importance of talent in assessing creditworthiness [1]. Group 2: Financial Support Mechanisms - The bank's "Talent Bank" model focuses on understanding the talent within technology companies, allowing for credit assessments based on the capabilities of the management team and the market competitiveness of their products [5][6]. - In 2022, the bank provided a credit line of 30 million yuan to Jiangfeng Electronic Materials Co., Ltd., a leader in chip materials, based on the expertise of its chairman, a national-level talent [4]. Group 3: Challenges Faced by Tech Companies - Technology companies often face challenges such as unstable cash flow, lack of sufficient collateral, long R&D cycles, and high risks compared to traditional industries [5][6]. - For instance, Zhejiang Fubao Intelligent Technology Co., Ltd. experienced a surge in orders for its robots but faced significant funding pressure for production [3]. Group 4: Market Trends and Insights - The article notes a growing trend of financial institutions, including Zhejiang Zheshang Bank, exploring ways to support early-stage technology companies by addressing their unique financing needs [2][5]. - As of the end of 2024, Zhejiang Zheshang Bank has served 30,712 technology enterprises with a financing balance of 367.4 billion yuan, indicating a robust commitment to supporting the tech sector [7][8].
从“灌溉泵”到“孵化器”,解码科技金融的浙商银行样本
2 1 Shi Ji Jing Ji Bao Dao· 2025-04-25 02:32
Group 1 - The core focus of Fubao Intelligent Technology Co., Ltd. is on humanoid robots in the medical and elderly care sectors, with significant order intentions signed at the Canton Fair [1][2] - The company has seen a surge in orders due to the implementation of rural revitalization policies and its products being included in the official service robot list for the Asian Games [2] - Fubao Intelligent's business model transitions from B-end medical scenarios to G-end elderly care communities, and finally to C-end users, indicating a growth trajectory from startup to maturity [4] Group 2 - Zhejiang Zheshang Bank provided a timely loan of 10 million yuan to Fubao Intelligent to alleviate production funding pressures, showcasing the importance of financial support for tech companies [3][4] - The bank's approach includes offering differentiated financial services tailored to the development stages of tech companies, focusing on social value rather than just financial metrics [4][5] - The bank's "Shan Ke Accompanying Plan" aims to support tech companies through various dimensions, enhancing their growth and innovation capabilities [5] Group 3 - Ningbo Jiangfeng Electronic Materials Co., Ltd. is a key player in the semiconductor sputtering target material industry, having established a production base for ultra-pure metals and sputtering targets [6][7] - Jiangfeng Electronic has expanded its operations and is in need of financial support for its growth and the support of its incubated startups [8] - Zhejiang Zheshang Bank has provided credit facilities to Jiangfeng Electronic and its related companies, demonstrating a commitment to supporting the entire industrial chain [8][9] Group 4 - The bank has also introduced innovative financial products, such as the first knowledge property securitization product in Ningbo, to support tech companies like Heli Shikayoubei Technology Co., Ltd. [12][13] - The financial services provided by the bank are designed to connect various funding sources and support the innovation ecosystem, emphasizing the role of finance as a facilitator of technological advancement [12][13] - The establishment of the "Shan Shu Technology Financial Platform" aims to enhance the accessibility of financial resources for tech companies, promoting deeper integration of financial and technological elements [13]