Core Viewpoint - The article discusses the entrepreneurial journey of Duan Xiaofeng, who, after 10 years, chooses to continue his entrepreneurial path despite challenges, emphasizing the importance of transforming scientific research into products [2][3]. Group 1: Company Background - Duan Xiaofeng founded Xi'an Ruifeng Optoelectronic Technology Co., Ltd. after leaving his position as a researcher at Xi'an Institute of Optics and Precision Mechanics, benefiting from supportive policies for researchers starting businesses [4]. - The company specializes in high-precision optical load components for aerospace applications, facing significant challenges in financing due to its status as a small and micro enterprise [5]. Group 2: Financing Challenges and Solutions - The company struggled with financing, as traditional bank loans were difficult to obtain due to a lack of collateral, which is common for small enterprises [5]. - A breakthrough occurred when a client manager from Minsheng Bank introduced the "Gongxin Loan" risk compensation policy, allowing the company to secure a loan of 5 million yuan with a low interest rate of 2.8% [6]. Group 3: Policy Impact on SMEs - The "Gongxin Loan" policy aims to alleviate financing difficulties for small and micro enterprises in Shaanxi, with the provincial government establishing an 800 million yuan risk compensation fund [7]. - The policy has led to increased confidence among banks to lend, with Minsheng Bank issuing approximately 350 million yuan in loans to "Gongxin Loan" whitelist enterprises this year [7][8]. Group 4: Loan Statistics and Future Plans - As of November, banks have issued a total of 469.78 billion yuan in loans under the "Gongxin Loan" program, with an average interest rate of 3.00% [9]. - The provincial government plans to enhance the "Gongxin Loan" risk compensation mechanism and increase the frequency of updates to the whitelist of eligible enterprises, aiming to further support the transformation and upgrading of small and micro enterprises [10].