跨越，源于风险共担体系的构建。2019年9月，山东投融资担保集团正式成为国家融资担保基金合作机 构，标志着山东接入全国政府性融资担保体系。依托国家层面在股权投资、合作试点、业务授信等方面 的政策红利，山东投融资担保集团围绕构建多级风险共担机制，持续完善政府性融资担保体系建 设，"十四五"期间，实现了银担"二八"分险、免收保证金、90天代偿宽限期等突破性举措。"十四 五"末，一个覆盖全省16市、凝聚60家成员、总资本金超300亿元的政府性融资担保体系全面建成，形成 了"国家引导、省级统筹、市县协同、银行参与"的多层次风险共担格局，将金融支持实体经济高质量发 展的宏大命题，转化为万千市场主体可感可及的融资支持。 五年为山东省67万户小微、"三农"等经营主体提供担保贷款支持4764亿元，服务户数位居全国政府性融 资担保体系首位；在保规模从2020年的45亿元，增长至2025年的1334亿元，排名从全国倒数跃居全国第 三——数字的跨越，不仅是业务规模的倍增，更是服务质效的飞跃。 "十四五"以来，山东投融资担保集团始终坚守支小支农主责主业，积极发挥财政资金杠杆撬动作用，将 国家关于"健全具有高度适应性、竞争力、普惠性的 ...

Group 1 - The core idea of the news is the introduction of "鲁担养老服务贷" and "鲁担科技贷" by Shandong Investment and Financing Guarantee Group to address the financing difficulties faced by small and medium-sized private elderly care institutions and technology enterprises [1][3][4] - "鲁担养老服务贷" has provided 5 million yuan in loans to a nursing home, increasing its capacity to over 270 beds, making it the largest in the area [1] - The financing model involves collaboration among government, guarantee institutions, and banks, enhancing the stability of the financing guarantee system [1][3] Group 2 - The "鲁担科技贷" product was launched in July 2024 and has provided 27.27 billion yuan in premium subsidies to 20 guarantee institutions across nine cities, benefiting 1,025 national high-tech enterprises [3][4] - The annual guarantee fee rate for "鲁担科技贷" is capped at 0.5%, significantly lower than market rates, which reduces the financial burden on enterprises [4] - As of May 2025, Shandong Investment and Financing Guarantee Group has supported 15,800 specialized and innovative enterprises with a total amount of 70 billion yuan [4][5]

Core Viewpoint - The "Ludang Technology Loan" product from Shandong Investment and Financing Guarantee Group has been recognized as a typical product in technology finance, demonstrating effective support for high-tech enterprises and alleviating their financing burdens [1][3]. Group 1: Product Overview - The "Ludang Technology Loan" was launched in July 2024 and has provided a total of 27.27 billion yuan in premium subsidy business for 20 guarantee institutions across nine cities, benefiting 1,025 national high-tech enterprises and technology-based SMEs with a premium reduction of 16.67 million yuan [1][10]. - The product features a guarantee fee rate of no more than 0.5% per year, significantly lower than market levels, thus reducing the financial burden on technology enterprises [7][9]. Group 2: Financing Challenges - Traditional credit logic does not align with the characteristics of technology enterprises, leading to financing bottlenecks characterized by light assets, low collateral, and lack of information [3][7]. - The "Ludang Technology Loan" addresses three major pain points of financing: difficulty, high cost, and slow processing [7]. Group 3: Policy Support and Implementation - The initiative is supported by policies such as the "Several Measures for Strengthening Financial and Fiscal Coordination to Serve Enterprise Innovation Development" and the "Implementation Rules for Provincial-level Technology Guarantee Premium Subsidy and Risk Compensation" [7]. - The product operates within a comprehensive policy-backed framework, facilitating direct financial subsidies to local guarantee institutions and enhancing the efficiency of credit access for technology enterprises [7][10]. Group 4: Impact and Future Plans - As of May 2025, the Shandong Investment and Financing Guarantee Group has supported 15,800 specialized and innovative high-tech enterprises with a total amount of 700.04 billion yuan [10]. - Future plans include optimizing policy support standards, deepening policy coordination, and building a multi-level financial support system that covers the entire lifecycle of enterprises [10].