Core Insights - Suzhou Bank is actively responding to the national strategy of technological innovation by positioning itself as a "solid partner" for the growth of sci-tech enterprises through innovative financial services [1][3] - The bank has developed a comprehensive financial product matrix that covers the entire lifecycle of enterprises, utilizing the "Sci-tech Innovation Index" evaluation system to break traditional credit models [1][2] Financial Products and Services - Suzhou Bank offers five major financial products: Sci-tech Easy Loan, Talent Easy Loan, Chain Easy Loan, Knowledge Easy Loan, and Investment Easy Loan, providing full-chain financial services from startup to maturity [1] - The bank has successfully launched the first "Sci-tech Index Online Loan" and the first "Equipment Guarantee" business in collaboration with the United Nations, addressing funding challenges for equipment upgrades and digital transformation for sci-tech enterprises [1] Performance and Impact - As of September 2025, Suzhou Bank has served over 13,000 sci-tech enterprises with a total credit amount exceeding 130 billion, with over 20% of corporate loans directed towards sci-tech enterprises [2] - The bank's sci-tech credit clients are predominantly in the manufacturing sector, accounting for 80%, and over 40% of inclusive loans are allocated to sci-tech categories [2] Strategic Initiatives - The bank has established a "GOAI" sci-tech financial ecosystem, connecting various institutions to enhance comprehensive service capabilities, achieving a cumulative loan balance exceeding 1 billion through partnerships with nearly 100 venture capital institutions [2] - Suzhou Bank has set up a dedicated sci-tech financial business review department under the credit approval department, focusing on six strategic emerging industries and future industries [2] Future Outlook - The bank aims to deepen policy alignment, enhance professional capabilities, and improve collaborative mechanisms to provide more precise financial support for technological innovation [3] - Suzhou Bank is committed to fostering technological financial innovation and supporting high-quality development in Jiangsu and Suzhou [3]

Core Viewpoint - The People's Bank of China Sichuan Branch has implemented the "Star Plan" for technology finance in Sichuan Province, focusing on enhancing the financial support for technology-driven enterprises in key cities, achieving initial success in the initiative [1] Group 1: Mechanism Construction - The Deyang Branch has integrated technology finance into its annual key work, launching the "Party Building + Financial Support for High-end Equipment Technology City Construction" project and issuing the "Deyang Technology Finance Action Plan" [2] - The Panzhihua Branch has collaborated with technology departments to conduct the "Spark Jinpan" activity, completing a dual-profile assessment for all 347 technology enterprises, establishing a credit whitelist for 58 companies [2] - The Leshan Branch has guided nine banks to set up "Financial Advisor Workstations" and "Technology Finance Service Stations," creating a dual-advisor team for technology and financing [3] Group 2: Product and Service Innovation - The Sichuan Branch has supported the Chengdu "Zhi Yi Rong" platform in knowledge property financing, achieving a total of 2.556 billion yuan in financing for 2,071 enterprises by the end of September [4] - The Mianyang Branch has created a specialized credit product called "Technology City·Twin Star Loan," with a cumulative loan issuance of 95.4 million yuan [4] - The Ziyang Branch has issued a work plan to support the high-quality development of the low-altitude economy, planning to provide over 10 billion yuan in financing support over five years [5] Group 3: Financial Interaction Optimization - The Ziyang Branch has promoted the upgrade of the 2025 technology finance reward policy, resulting in the application of 102,000 yuan in technology loan rewards for six institutions [6][7] - The Meishan Branch has introduced a financial service development incentive policy, increasing the assessment weight for technology enterprise loans and innovation [7] - The Panzhihua Branch has established a risk-sharing mechanism for technology loans, with a 3:7 ratio between banks and guarantee companies [8] Group 4: Risk Mitigation Mechanisms - The Luzhou Branch has implemented a risk-sharing mechanism for intellectual property pledge loans, with a total issuance of 3.3 billion yuan in such loans from January to September 2025 [8] - The Deyang Branch has created a risk fund of 40 million yuan for technology loans, enhancing banks' willingness to lend [8] - The Mianyang Branch has established a 29.9 million yuan technology finance risk compensation fund to support technology enterprise financing [8]

Core Viewpoint - The article highlights Suzhou Bank's innovative approach in the field of intellectual property finance, showcasing its significant achievements and contributions to the technology and innovation sector [1]. Group 1: Innovations in Intellectual Property Finance - Suzhou Bank developed the "Suxin Innovation Capability" enterprise evaluation model, which successfully opened the door to data intellectual property registration in the banking industry, earning the first certificate in the country [2]. - The bank executed the first data intellectual property licensing revenue rights pledge financing in the country, enabling a technology company to secure 3 million yuan in funding by pledging future licensing revenues [2]. - The bank has completed six cases of intellectual property asset securitization and eight first cases of data intellectual property pledges across various cities, demonstrating its leadership in the sector [3]. Group 2: Comprehensive Financial Services - Suzhou Bank offers a full lifecycle service model for technology enterprises, including the "Accompanying Flight Plan" for startups, "Wingspan Plan" for growth-stage companies, and "Navigation Plan" for mature enterprises [4]. - Specific financing examples include a biotechnology company obtaining millions in funding through a mixed pledge of patents and copyrights, and a vehicle networking company securing tens of millions through data intellectual property pledges [4]. Group 3: Future Vision and Ecosystem Development - On the 25th World Intellectual Property Day, Suzhou Bank aims to create a "GOAI Innovation Financial Ecosystem," focusing on integrating intellectual property evaluation models with blockchain and AI technologies [5]. - The bank plans to build a knowledge property transaction platform and participate in local standards, responding to the "Comprehensive Pilot Work Plan for Intellectual Property Finance Ecosystem" [5]. - Suzhou Bank's brand philosophy emphasizes growth and innovation in technology finance, aiming to enhance the value of intellectual property through dynamic transactions [5].