"政保共担贷"是该行与吴兴区发改经信局、浙江省融资担保有限公司联合推出的，旨在为当地优质 科技型企业提供以信用为主、免抵押、低费率、降门槛、简手续的创新性融资担保服务，适用于湖州市 吴兴区发展改革和经济信息化局划定的科创型企业名单内的企业。 "轻舟贷"是该行推出的一款专门针对科技型企业的信用贷款，旨在缓解科技型企业融资困难，扶持 科技型企业发展，加速科技成果产业化，通过采用纯信用、弱担保的产品，获贷企业最多可享受35%的 政府专项资金贴息。 科创型企业在成长初期，大多存在投入大、轻资产、缺抵押物和担保人带来的"融资难、抵押难、 担保难"问题。近年来，浙江农商联合银行所辖吴兴农商银行始终围绕企业自主创新和发展的融资需 求，主动对接，缓解科创型民营企业融资难题，多措并举助力科创型企业成长。 近日，吴兴农商银行为浙江孔辉汽车科技有限公司发放专利权质押贷款及"绿色助力贷"共1200万 元，并下调利率0.5个百分点，主动为企业减负。据悉，该行制定出台首批科技型企业白名单，通过"投 贷补"模式切实缓解科创型中小企业融资难、融资贵问题。一是创新综合担保方式，积极打造"信用+担 保+质押"的组合方式，着力推动政策担保、专利权 ...

Core Viewpoint - Shenzhen Yiatong Supply Chain Co., Ltd. has approved a guarantee for its subsidiary Yitong New Materials Co., Ltd. to secure a credit line of up to RMB 800 million for 2025, with a specific guarantee amount of RMB 390 million for a loan from Industrial Bank [3][4]. Group 1: Guarantee Approval and Details - The board of directors approved the proposal for Yitong New Materials to apply for a credit line from banks, with a total amount not exceeding RMB 800 million [3]. - The guarantee provided by the company is a joint liability guarantee, with a maximum guarantee amount of RMB 390 million for the loan from Industrial Bank [4][6]. Group 2: Financial Metrics and Risk Assessment - As of the announcement date, the total external guarantees provided by the company and its subsidiaries exceed 100% of the latest audited net assets, with the guaranteed entity having a debt-to-asset ratio exceeding 70% [2]. - The company has a total of RMB 36.94 billion in approved guarantees (non-actual) and RMB 15.53 billion in actual guarantees, with the signed guarantee amount representing 247.82% of the latest audited net assets [8]. Group 3: Board's Opinion and Compliance - The board believes that the guarantee is necessary and reasonable to meet the operational funding needs of the subsidiary, and that the risks are controllable [7]. - The company will adhere to regulatory requirements to effectively manage external guarantee risks [8].