来源:视觉中国 银企关系由"甲乙方"到"好伙伴"。"贷款明白纸"将散落在合同或协议文本中的各项成本集中呈现，避免因"隐性成本"导致误解和纠纷，还将银行减免或代 为缴纳的费用也一并列出，让利举措更加具象化。如泰州某机械制造企业在当地交通银行办理经营贷款，填写明白纸时惊喜地发现，抵押登记费550元及 评估费4306.42元均由银行承担，切实感受到了金融减费让利的政策红利，也提升了对银行服务的满意度。 企业融资适配度由"粗放式"到"省钱易"。在政策协同和金融产品优化上，"贷款明白纸"发挥了关键作用，引导银行主动作为，帮助企业充分争取各项优惠 政策，或精准推介更合适的融资产品，切实降低成本。如苏州某印刷企业向当地上海银行申请续贷600万元，客户经理开展明示服务时发现，该企业需要 资金周转，且符合政府应急转贷资金条件，遂协助企业申请，转贷费（万分之三/日）2天共计3600元，相比企业原计划使用的民间借贷资金价格大幅降 低，节省了3万元的融资成本。再如，无锡某电缆企业在当地中国银行获批800万元普惠贷款额度，在填写"贷款明白纸"过程中，客户经理了解到企业名下 有多项专利，符合"苏知贷"产品的续作条件，可享受50%、不超过 ...

Group 1 - The event on May 19 focused on "Intellectual Property Safeguarding 'Going Global', Financial Collaboration Leading the Way," providing practical guidance for transforming intellectual property into assets [1] - Intellectual property serves as a crucial bridge for converting technological achievements into productive forces, linking innovation with the market [1] - The city has seen a growing number of technology innovation enterprises, with financial products like "Su Zhi Loan" and "Talent Loan" introduced to facilitate the transformation of intellectual property into assets and patents into profits [1] Group 2 - Jiangsu Bank's Zhenjiang branch has served over 1,000 technology innovation enterprises, with intellectual property-related business exceeding 1 billion yuan [1] - Jiangsu Hanya Organic Farm Co., Ltd., a leading agricultural enterprise, has accumulated 15 patents and established 32 production technology standards, highlighting the importance of intellectual property pledge financing in activating intangible assets and boosting innovation confidence [1] - From January to April this year, the city recorded 79 cases of intellectual property pledge financing, amounting to 1.315 billion yuan, with six companies establishing cooperation with Jiangsu Bank during the event [1] Group 3 - As the city's outward-oriented economy progresses, challenges in the intellectual property sector are becoming more prominent [2] - The city's intellectual property department is actively addressing enterprise needs by providing overseas intellectual property risk response guidance and financial services, helping companies transition from passive to proactive strategies [2] - The department plans to participate in major exhibitions and events, using a combination of online and offline methods to guide exhibitors in self-checking their products and promotional materials to prevent overseas infringement disputes [2]

Group 1 - The provincial intellectual property bureau has actively promoted intellectual property pledge financing activities, helping enterprises convert intellectual property into assets [1] - From January to March, 11 partner banks provided loans totaling 5.0738 billion yuan to 886 enterprises through the "Su Zhi Dai" program, leading to a total intellectual property financing amount exceeding 16 billion yuan, benefiting 1,492 enterprises [1] - The number of patent and trademark pledge projects reached 1,501, with a financing amount of 10.47 billion yuan, benefiting 1,390 enterprises [1] Group 2 - The provincial intellectual property bureau has initiated the 2025 enterprise intellectual property pledge financing demand information collection to better understand the financing needs of innovative small and medium-sized enterprises [2] - The focus of the information collection includes high-tech enterprises, "specialized, refined, distinctive, and innovative" enterprises, and enterprises with intellectual property advantages, gathering data on financing needs, existing channels, costs, and suggestions [2]

Core Insights - The article highlights the significant role of China Bank's Changzhou branch in supporting local technology enterprises, particularly in the hydrogen energy sector, through financial assistance and innovative products [1][4]. Group 1: Financial Support and Initiatives - In 2013, China Bank's Changzhou branch formed a 650 million yuan financing consortium to assist Longcheng Precision Forging in overcoming early financial difficulties [1]. - In 2023, the bank approved a 150 million yuan long-term loan to support Longcheng Precision Forging's 360 million yuan project for developing high-precision components for new energy vehicles [1]. - By the end of 2024, the bank's technology finance credit balance reached 20.302 billion yuan, with an increase of 8.792 billion yuan, marking a growth rate of 76.38% [1]. Group 2: Establishment of Dual Centers - In 2024, China Bank's Changzhou branch established two centers: the Technology Finance Center and the Sci-Tech Innovation Finance Center, aimed at directing financial resources to technology innovation [2]. - The bank utilizes external data to create precise profiles of technology enterprises and collaborates with government departments to address financing challenges through targeted matchmaking events [2]. Group 3: Product Innovation and Service Enhancement - The bank has developed a "Technology Finance Exclusive Credit Business" to streamline the approval process for technology enterprises, reducing the average approval time by half [4]. - The introduction of the "Innovation Points Loan" in 2023 features a smart credit model tailored for technology companies, integrating AI technology for accurate credit assessments [4]. - The bank has launched 20 support measures for key customer groups in inclusive finance, including differentiated credit policies for specialized and new technology enterprises [4][5]. Group 4: Direct Engagement with Enterprises - China Bank's Changzhou branch has formed specialized service teams to conduct in-depth research on enterprises' needs, providing tailored financial consulting services [6]. - As of the end of 2024, the bank supported 1,115 small and micro technology enterprises with loans totaling 7.49 billion yuan, with a notable focus on specialized and new technology customer groups [6]. - The bank organized 17 matchmaking events for technology enterprises, providing 720 million yuan in credit support to 116 companies [7].

苏州银行在知识产权金融领域不懈耕耘。6单知识产权资产证券化、8地市首单数据知识产权质押、近 700家知识产权质押登记企业，"知易融"系列产品正如春日繁花，结出累累硕果，收获行业无数赞誉。 在科创金融的赛道上，凭借全国首单"流片贷"和生物医药License-Out收益权融资，勇夺苏州工业园 区"科技金融创新奖"、"金融开放创新奖"，彰显出在前沿领域探索的无畏勇气。 在数字浪潮奔涌与科技兴国号角齐鸣的时代，知识产权正褪去"无形"的朦胧纱衣，显露出"资本"的璀璨 真容。苏州银行（002966）恰似一位深谙时代脉搏的丹青妙手，以知识产权金融为灵动笔墨，在科创金 融的宣纸上挥毫泼墨，绘就出一幅充满创新张力与发展活力的壮丽画卷。每一笔"全国首单"的突破，每 一抹"行业首创"的亮色，都在诉说着金融赋能科创的动人故事。 破冰之举：解构数据知识产权密码的创新笔触 两年前的盛夏，苏州银行在知识产权金融领域落下惊鸿一笔。自主研发的"苏心科创力"企业评价模型， 如同一把精准的密钥，成功开启全国银行业数据知识产权登记的大门，斩获首张证书。这一模型打破传 统财务数据的桎梏，从科创资质的深厚底蕴、知识产权布局的精妙架构、行业前景的壮阔蓝图 ...