Core Insights - Postal Savings Bank of China (PSBC) has actively engaged in the investment-loan linkage mechanism since February, focusing on supporting the real economy and expanding effective investment [1][2] - As of the end of July, PSBC has approved project credit amounts exceeding 270 billion yuan and issued nearly 60 billion yuan in loans, targeting key areas such as ecological protection, urban renewal, rural revitalization, and new productivity [1] Group 1 - PSBC has established a dedicated working group to enhance the investment-loan linkage, involving leadership and various departments to ensure effective collaboration [1] - The bank has implemented a comprehensive project management system to improve service efficiency and resource allocation for major projects [1] - Priority policies have been introduced for key projects under the investment-loan linkage, ensuring timely and efficient loan disbursement [1] Group 2 - In the new productivity cultivation sector, PSBC's Anhui branch has utilized the investment-loan linkage to support private technology enterprises like Zhuopu Intelligent Equipment Co., Ltd. [2] - The Anhui branch has developed an innovative "technology flow" evaluation system to assess creditworthiness based on patents, R&D investment, and technical team strength [2] - PSBC aims to leverage its financial strength and extensive network to provide comprehensive financial support for key projects, aligning with national strategic priorities [2]

Core Viewpoint - Postal Savings Bank of China (PSBC) Anhui Branch has launched the "U Benefit Plan" to support the financial needs of high-growth technology enterprises, demonstrating effective financial support during critical development periods [1][2]. Group 1: Financial Innovation - The "U Benefit Plan" combines "loan + external direct investment" to address the financing challenges faced by technology companies, particularly those with light assets and lack of collateral [2]. - The plan includes a "stock option arrangement" and "forward cooperation rights" to create customized win-win solutions for high-growth technology firms [1]. Group 2: Case Study - Anhui Zhuopu Intelligent Equipment Co., Ltd. received a tailored financial solution of 60 million yuan in credit and 50 million yuan in stock options within two weeks, alleviating immediate funding pressures [1]. Group 3: Evaluation System - PSBC Anhui Branch has developed a "technology flow" evaluation system that uses hard indicators such as patent quantity, R&D investment intensity, and technical team strength as credit assessment criteria [2]. - The bank's financial products, such as "Science and Technology E-Loan" and "Intellectual Property Pledge Loan," facilitate the transformation of intellectual property into assets [2]. Group 4: Long-term Service Mechanism - The bank has established a "123+N" technology finance professional system, which includes dedicated credit products, specialized review processes, and incentive mechanisms tailored to key industries [2]. - As of June 2023, the bank's technology loan balance exceeded 50 billion yuan, with over 80% directed towards private enterprises [2].