邮储银行基于无形资产的"科创贷"，解锁科技型企业的核心价值，贷款决策改由企业的未来成长潜力决 定，而非固定资产积累，这可激励持续创新，形成正向循环。并且，打破对土地、房产等传统硬抵押物 的路径依赖，为多数科技型企业提供更宽的债权融资渠道，从而可优化融资结构，并降低融资门槛。 近年来，为深度服务国家创新驱动发展战略，中国邮政储蓄银行在广东江门地区积极创新金融服务模 式，通过创新产品、快速放款、陪伴式服务，精准支持当地"专精特新"及高新技术企业发展。9月17 日，记者前往恩平市宏兴铝业有限公司、广东万佳泓不锈钢制品有限公司，江门市力丰电机有限公司进 行实地调研。 创新贷款，打破传统抵押物限制 科技型制造企业常常面临研发投入大、回款周期长，原材料采购和设备升级需要大量流动资金等共性挑 战。 恩平市宏兴铝业有限公司是江门地区铝型材制造的领军企业，正处于智能化、绿色化转型的关键期，资 金需求迫切。对此，邮储银行恩平市支行2025年为其发放3394万元"科创贷"，基于无形资产（专利、软 件著作权）进行授信，打破了传统抵押物限制。 如今的台山，不锈钢产业园内生机盎然，万佳泓的生产车间里机器轰鸣，工人们正全力赶制一批发往中 ...

Core Viewpoint - The "Quality Credit Enhancement" financing model in Chengdu, Sichuan, transforms companies' quality management and innovation achievements into tangible financial assets, facilitating easier access to loans for small and medium-sized enterprises (SMEs) without collateral [1][2][3] Group 1: Financing Model - The "Quality Credit Enhancement" model was developed by the market supervision department in Chengdu, allowing companies to convert their quality attributes into bank credit, thus addressing the financing challenges faced by tech-driven SMEs [2][3] - This model quantifies 40 quality factors, including quality credit, management, branding, and innovation, which can be integrated into existing bank credit products, enhancing loan amounts and reducing interest rates [1][2] Group 2: Impact on Companies - Chengdu Xinghuiteng Group successfully secured a loan of 10 million yuan with doubled credit limits and a reduced interest rate of 0.6 percentage points, enabling the company to pursue larger orders and invest in innovation [1] - Chengdu Meifute Membrane Environmental Technology Co., Ltd. increased its loan amount from an estimated 10 million yuan to 15 million yuan due to the quality factors, allowing for the initiation of key R&D projects and new production lines [2] Group 3: Results and Future Plans - As of July, the model has facilitated over 160 loans totaling 1.127 billion yuan, significantly supporting the high-quality development of enterprises in the region [3] - Future plans include expanding the model's reach by integrating quality credit data into financial institutions and creating a standardized manual for broader implementation [3]

Group 1 - The timely financial support from Postal Savings Bank has alleviated funding pressure for small and micro enterprises, enhancing their confidence in development [1] - The "Mortgage e-loan" product from Postal Savings Bank is designed for small and micro enterprises, offering a quick and convenient online application process [1] - In Jiangxi Province, Postal Savings Bank has visited over 10,000 enterprises and provided nearly 11.5 billion yuan in credit to small and micro enterprises, with over 9.3 billion yuan in loans disbursed [1] Group 2 - Postal Savings Bank's efficient services and favorable interest rates have effectively addressed the funding challenges faced by enterprises like Jiangxi Dongjin Power Technology Co., Ltd [2] - The city of Ji'an has developed a strong industrial ecosystem with over 1,100 enterprises in six key sectors, supported by Postal Savings Bank's issuance of nearly 2 billion yuan in specialized loans [2] - As of March 2025, Postal Savings Bank's Jiangxi branch has provided loans to over 130,000 private enterprises, with a total loan balance exceeding 105.2 billion yuan [2]