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用“信用+质量”架起企业与金融机构之间的桥梁——将“好质量”转化为“好信用”(市场万花筒)
Ren Min Ri Bao· 2025-04-29 22:14
Core Viewpoint - The article discusses the implementation of quality financing systems in Northeast China, particularly focusing on the "Liaozhi Loan" initiative, which provides financial support to quality enterprises without traditional collateral requirements, thereby enhancing the quality of the agricultural supply chain and supporting the real economy's high-quality development [3][4]. Group 1: Quality Financing Initiatives - The "Liaozhi Loan" product allows companies to obtain loans based on their quality credentials rather than traditional collateral, addressing urgent funding needs for businesses like a seafood farming company in Dalian [1][3]. - The initiative is part of a broader strategy outlined in the "Quality Strong Nation Construction Outline," which aims to create a financing system that covers quality, standards, brands, and patents to support small and medium-sized enterprises [3][4]. - As of now, a total of 1.495 billion yuan has been disbursed through the "Liaozhi Loan" program, demonstrating its impact on enhancing the quality of agricultural products and services [3]. Group 2: Regional Implementation and Impact - In Jilin Province, the quality financing initiative has benefited companies like Changchun Xida Electronic Technology Co., which has received credit from multiple banks for equipment purchases and technology upgrades, allowing them to focus on improving product quality [4]. - In Heilongjiang Province, the "Longzhi Loan" program has identified 115 companies with financing needs totaling 2.393 billion yuan, with 40 companies already receiving loans amounting to 1.36 billion yuan [4]. - The Northeast provinces are establishing a quality financing system that bridges the gap between enterprises and financial institutions, transforming quality products into valuable assets and enhancing the supply of quality goods to meet consumer demands [4].
“软实力”变身“硬资产”:东三省赋能产业升级有新招
Di Yi Cai Jing· 2025-04-28 13:45
Group 1 - "Quality financing enhancement" has become a key strategy in the quality strong chain of Liaoning, Jilin, and Heilongjiang provinces, closely linking quality improvement with corporate credibility building [1][5] - Technical innovation is identified as the core driving force for a quality strong nation, while funding is crucial for achieving innovation [1] - The National Market Supervision Administration, along with the People's Bank of China and the Financial Regulatory Bureau, issued a notice in June 2024 to promote quality financing enhancement to better serve the high-quality development of the real economy [1] Group 2 - Companies can now apply for loans based on intangible assets such as quality capabilities and qualifications, which has broadened financing channels for enterprises, especially small and medium-sized innovative firms [2][4] - In 2023, Jilin Province issued guidelines to address financing difficulties and improve the scale and benefits of intellectual property pledge financing [2][6] - The introduction of "Liaozhi Loan" in Liaoning Province allows companies to leverage intangible assets like quality honors and brand value to secure loans [5][8] Group 3 - Quality financing enhancement refers to a mechanism that provides financing services based on a company's quality capabilities and qualifications, also known as "quality loans" [3][4] - As of now, Liaoning Province has issued loans totaling 1.495 billion yuan, while Jilin Province has initiated pilot projects for intellectual property pledge financing in eight regions [6][9] - Heilongjiang Province has identified 115 companies with quality financing needs, with a total demand of 2.393 billion yuan, and has facilitated loans for 40 companies amounting to 1.36 billion yuan [7][9] Group 4 - Government support plays a crucial role in quality financing enhancement, providing policy support, risk sharing, and credit backing to help companies gain trust from financial institutions [8] - The "Liaozhi Loan" program specifies requirements for companies to possess certain quality financing enhancement elements, which are essential for loan eligibility [8] - Jilin Province has organized regular meetings between enterprises and banks to explore financial support measures, while Heilongjiang Province has established a credit service platform to connect market entities with banks [9]