Policy Background and Importance - Jiangsu, as a strong economic province, plays a crucial role in economic growth and employment through numerous small and medium-sized enterprises. However, financing difficulties and high costs have been bottlenecks for enterprise development. To address this, the Jiangsu provincial government has established various financing loan subsidy policies aimed at reducing financing costs through fiscal support, encouraging increased R&D investment and innovation, enhancing market competitiveness, and promoting industrial structure upgrades and high-quality economic development [3]. Common Types of Subsidies - Interest subsidies for technology enterprises: Aimed at technology-based enterprises, a certain percentage of interest subsidies is provided for loans obtained from qualified financial institutions for high-tech project R&D and achievement transformation [4]. - Financing guarantee fee subsidies: Encourages enterprises to obtain loans through financing guarantee institutions, subsidizing guarantee fees to lower financing costs [5]. - Financing lease fee subsidies: Supports enterprises in acquiring equipment and assets through financing lease methods, providing subsidies for financing lease fees [6]. Application Conditions - Basic conditions: Enterprises must be registered in Jiangsu Province, have independent legal person status, a sound financial management system, and have been operating normally for over one year with no serious credit violations in the past three years [7]. - Specific conditions: Depending on the subsidy project, enterprises must meet specific requirements. For example, for the technology enterprise loan interest subsidy project, enterprises must belong to various leading talent enterprises, have obtained technology achievement transformation, or be recognized as technology-based independent brand cultivation enterprises [7]. Application Process - Online application: Enterprises must log in to the Jiangsu government service website or designated platforms of local financial departments to find the corresponding financing loan subsidy application entry, fill in the required information, and upload relevant scanned documents [8]. - Material preparation: Generally, enterprises need to prepare a funding application report, business license, financing guarantee business operation license, annual inspection certificate, and other materials [9]. - Review and public announcement: After the application deadline, financial departments will review the application materials to ensure compliance with application conditions and authenticity. Approved applications will be publicly announced on official websites for no less than five working days [9]. - Subsidy disbursement: After the public announcement period with no objections, the financial department will directly transfer the subsidy funds to the enterprise's bank account [10]. Important Notes - Attention to time nodes: Application notifications are usually released at specific times each year, and enterprises should closely monitor local financial department announcements to ensure timely applications [11]. - Ensure material authenticity: Enterprises must accurately fill in application information and provide genuine supporting materials. Any false reporting or forgery will result in disqualification from the application process [12]. - Active communication and coordination: If issues arise during the application process, enterprises should promptly communicate with local financial departments or relevant supervisory departments for guidance and support [13]. Support from Kecy Cloud Platform - The Kecy Cloud Platform is a comprehensive platform that integrates policy information and expert services, providing convenience for enterprises applying for Jiangsu financing loan subsidies. Enterprises can quickly access the latest subsidy policy information, application guidelines, and requirements on this platform, along with professional customer service teams to address application-related inquiries [14]. Conclusion - Jiangsu's financing loan subsidy policy provides substantial support for enterprises, helping them reduce financing costs and achieve innovative development. Enterprises should fully understand and actively apply for relevant subsidies to facilitate their growth and contribute to the prosperity of Jiangsu's economy [15].