Core Viewpoint - Jiangyin Rural Commercial Bank has established the "Jiangyin High-tech Innovation Service Center" to address the financing challenges faced by light-asset technology enterprises, enhancing interaction between the bank and tech companies through a "financing + intelligence" mechanism [1][2]. Group 1: Service Center Initiatives - The "Jiangyin High-tech Innovation Service Center" is a dedicated service institution for technology enterprises, providing workspace and personnel support from Jiangyin Rural Commercial Bank [1]. - The center employs innovative evaluation methods and actively engages with local technology authorities to identify the specific needs of startups [1][2]. Group 2: Financing Solutions - Jiangyin Rural Commercial Bank provided a 2 million yuan "Technology Enterprise Loan" to a smart security technology company after conducting a comprehensive assessment of its needs [2]. - Another company in the smart transportation sector received a 3 million yuan "Technology Enterprise Loan" and was assisted in applying for a government interest subsidy, reducing financing costs to an annualized rate of 1% [2]. Group 3: Collaborative Ecosystem - The bank has introduced a "stock option" arrangement, adding 3 million yuan in stock options to support enterprises while sharing risks and benefits [3]. - Jiangyin Rural Commercial Bank aims to build a collaborative financial ecosystem involving government, banks, enterprises, and research institutions, facilitating technology exchanges and project roadshows [3]. - The bank plans to continue innovating financial products and expanding resource channels to support the entire lifecycle of technology enterprises [3].

Core Viewpoint - Jiangyin Rural Commercial Bank is focusing on building a comprehensive technology finance service system, promoting innovation and collaboration among government, business associations, and enterprises to create a supportive ecosystem for technological innovation [1] Group 1: Technology Finance Development - The bank has organized 14 events this year, including "Government-Bank-Enterprise Connection Meetings" and "Technology Innovation Roadshow Seasons," to support over 40 recognized high-tech enterprises [1] - Jiangyin's high-tech industry output value is projected to reach 291.92 billion yuan in 2024, accounting for 38.8% of the total industrial output, with a year-on-year growth of 9% [1] Group 2: Collaborative Innovation - The bank has established strategic cooperation with the Federation of Industry and Commerce and Jiangyin Campus of Nanjing University of Technology to align financial services with industry needs [2] - A comprehensive strategic partnership with Jiangyin High-tech Zone has been formed to enhance financing for private enterprises and support major projects [2] Group 3: Service Network Innovation - Jiangyin Rural Commercial Bank has set up a "High-tech Innovation Service Center" and a technology branch in Jiangyin High-tech Zone, creating a dual-track model for technology finance services [3] - The bank has implemented a new party-building model to cultivate a talent pool that understands technology, industry, and finance [3] Group 4: Comprehensive Service Innovation - The bank has introduced various loan products tailored for different stages of enterprise development, including "Technology Enterprise Loans" and "Talent Loans," focusing on technology potential and team strength rather than traditional financial metrics [4] - As of September, the bank has completed two "loan + equity" agreements to alleviate financial pressure on enterprises while maintaining control for core teams [4] Group 5: Process and Brand Innovation - The bank has streamlined processes to create a green channel for technology finance, reducing approval times by 60% compared to traditional methods [5] - The bank has launched a content matrix to promote technology enterprises' development stories, enhancing communication with capital and markets [5] Group 6: Overall Impact - By the end of September, the bank had provided financing services to 1,503 technology enterprises, with a total credit balance of 15.5 billion yuan [5] - The bank aims to continue refining its comprehensive service model to effectively support the transformation of technological achievements into productive forces [5]