在走访中，一家专注于智慧安防领域的无锡某智能科技有限公司进入江阴农商银行的视野。尽管该公司 技术实力获政府认可，却因"轻资产、缺抵押"的先天属性，在研发投入和市场拓展的关键阶段陷入融资 困境。 面对这一难题，"江银·高新科创服务中心"启动"融智"赋能机制，深入调研企业所处行业，形成专业行 研报告，同时创新运用"科创尽调百分表"，从产业前景、团队实力、研发能力、经营稳健性和营收状况 五大维度，对企业价值与风险进行全景式研判。最终，江阴农商银行基于专业评估结论，为企业投放了 200万元"科技企业贷"，及时满足其生产经营与新品研发的资金需求。 在智慧交通与智能网联汽车的赛道上，江阴某互联科技有限公司虽手握V2X车载域控制器等核心技术与 专利，却因企业轻资产、缺抵押的典型特征和"销售规模尚小"的阶段性困境，遭遇了融资瓶颈。 ■本报记者李美丽 近期，随着"江银·高新科创服务中心"在江阴国家高新技术产业开发区（以下简称"高新区"）落地，江 苏江阴农商银行破解科创企业轻资产、融资难，有了新的解决方案。据了解，"江银·高新科创服务中 心"是江阴农商银行与高新区政府合作打造的科创企业专属服务机构，工作场所、人员团队均由江阴农 ...

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]