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鲁担科技贷
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鲁担养老服务贷金融破冰托起“夕阳红”
Qi Lu Wan Bao· 2025-06-25 23:31
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]
山东投融资担保集团“鲁担科技贷”:疏源开渠,精准浇灌科创沃土
Qi Lu Wan Bao· 2025-06-25 12:05
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].