转自：中国质量报 质量换来"信用款" 专利贷来"发展钱" 了解企业困境后，十堰市市场监管局工作人员主动上门，宣讲"鄂质贷"政策——这是一款专门为获得各 级政府质量奖、质量标杆、品牌示范等质量荣誉的企业量身定制的质量融资增信产品，将质量"软实 力"转化为融资"硬通货"。在该局精准对接下，湖北交通银行迅速启动授信审批流程，企业凭借多年积 累的质量信誉，无需额外抵押物，仅用两天时间便顺利获得贷款，解了燃眉之急。 "嘭、嘭、嘭……"1月15日，湖北省十堰市寅云实业有限公司20台框架式拉伸液压机、开式固定台压力 机"火力全开"，该公司的工人在操作台上有序冲压各种汽车车身件，车间内暖意融融、机声隆隆，一派 热火朝天的忙碌景象。 无形的资产，有形的支持。这是十堰市市场监管局创新服务模式、深挖无形资产"富矿"，精准破解企业 融资难题的生动实践。据统计，2025年，该局通过质量、商标、专利等无形资产质押，成功帮助企业实 现融资19.93亿元，为经营主体爬坡过坎、发展壮大输送源源不断的金融活水。 "鄂质贷"精准滴灌实体企业 "没想到，我们多年坚持质量管理的努力，真的换来了真金白银！"谈起不久前到账的230万元"鄂质 贷"，十堰市 ...

Core Viewpoint - The "E-Zhi Loan" program in Hubei province leverages quality honors to enhance corporate credit, facilitating financing for enterprises, particularly small and medium-sized ones, by providing a new financing paradigm that emphasizes quality over collateral [1][5][6]. Group 1: Loan Program Overview - The "E-Zhi Loan" program has issued a total of 234.7 billion yuan, benefiting 4,378 enterprises, with small and medium-sized enterprises making up 94.36% of the recipients [1][5]. - The program is a collaboration between the Hubei Provincial Market Supervision Administration and financial regulatory bodies, aimed at addressing financing challenges for light-asset and high-tech companies [1][5]. Group 2: Eligibility and Impact - Enterprises that have received quality honors such as "Hubei Quality Products," government quality awards, and certifications can access the loan program [5]. - Currently, five banks have launched three types of "E-Zhi Loan" products, with 33,000 enterprises registered in the program [5]. - The program promotes a financing model that prioritizes quality, allowing companies to convert quality achievements into financial assets, thus easing access to loans as their quality improves [5][6]. Group 3: Case Studies - Hubei Yaxing Electronics, a light-asset technology company, secured a 10 million yuan credit loan based on quality honors, which it invested in green technological upgrades, resulting in a 15% reduction in energy consumption and a 5% increase in production capacity [5]. - Jiafengsheng Technology, a new energy vehicle parts manufacturer, faced a 20% surge in orders due to new policies and quickly secured 30 million yuan in funding through the "E-Zhi Loan" program to expand production [5]. Group 4: Future Developments - The Hubei Provincial Market Supervision Administration plans to deepen the cooperation mechanism between government and banks, enhancing the accessibility and convenience of the "E-Zhi Loan" financing services [6]. - Financial institutions are encouraged to develop diversified "quality + finance" services to benefit more small and medium-sized enterprises [6].

Core Insights - The article highlights the successful issuance of a loan of 1 million yuan to a company in Jingzhou, showcasing the efficiency and service quality of the local bank [1][3] - The "E-Zhi Loan" program is introduced as an innovative financial product aimed at supporting high-quality enterprises in their development and upgrading efforts [3][4] Group 1: Company Overview - Jingzhou-based company specializes in the research, production, and sales of casting materials and industrial adhesives, and has recently received four utility model patents [3] - The company was recognized as one of Hubei Province's seventh batch of specialized and innovative small and medium-sized enterprises in 2025 [3] Group 2: Financial Support and Services - The loan was facilitated through the "E-Zhi Loan" program, which offers favorable interest rates, simplified procedures, and flexible terms for companies meeting quality standards [3][4] - The bank's proactive approach included a "six visits, six increases" initiative to understand and address the financial needs of local businesses [3] Group 3: Future Plans and Strategies - The bank plans to enhance its service model by focusing on comprehensive promotion, demand exploration, precise service, and continuous follow-up to meet the needs of high-quality enterprises [4] - The strategy aims to boost financial services for rural revitalization and small enterprises, thereby contributing to regional economic development [4]

Core Viewpoint - The local financial institution, Songzi Rural Commercial Bank, is effectively supporting small and micro enterprises through innovative financing solutions, particularly the "E-Zhi Loan," which has significantly improved access to credit for businesses lacking collateral [1][2]. Group 1: Financial Innovation and Support - The "E-Zhi Loan" has been described as a timely support for enterprises, providing essential funding for development and demonstrating the responsibility of local financial institutions in aiding the real economy [1]. - A specific case involves a provincial high-tech enterprise in the limestone mining and processing sector, which faced funding shortages for raw material procurement due to a lack of collateral. The bank's branch tailored a credit solution and expedited the process through a "green channel" [1][2]. - The bank completed the loan process of 9.8 million yuan in just five working days, utilizing an "online application + offline verification" model, which allowed the company to accelerate its production capacity [2]. Group 2: Economic Impact and Job Creation - The project supported by the loan is expected to produce an annual output value exceeding 80 million yuan, with annual tax contributions surpassing 10 million yuan and creating job opportunities for nearly 100 people in surrounding villages [2]. - Over the past three years, the bank's branch has provided financing support exceeding 500 million yuan to over 1,000 small and micro enterprises, with a notable increase in the proportion of credit loans to 35% and an average approval time reduced to under five working days [2]. Group 3: Future Plans and Strategies - The bank plans to deepen collaboration among government, banks, and enterprises, expand the coverage of the "E-Zhi Loan," promote a "borrow and repay as needed" credit model, and implement interest rate discounts to enhance financial services for more market participants [3].