industrial bank helps "gazelle" and "unicorn" enterprises accelerate their development by doing a good job in science and technology finance
2024-09-21
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the characteristic of new quality productivity is innovation, and "gazelle" and "unicorn" enterprises are typical representatives of innovative enterprises and an important force in developing new quality productivity. the politburo meeting of the cpc central committee held recently emphasized the need to effectively support the development of "gazelle" and "unicorn" enterprises.
going forward, finance is surging. in recent years, industrial bank has made technology finance one of the five new tracks it has focused on, and has made "gazelle" and "unicorn" enterprises its key support targets, striving to build a full-life cycle comprehensive service system of "commercial bank + investment bank", "online + offline", and "finance + non-finance", contributing to the acceleration of the development of new quality productivity and the realization of high-level scientific and technological self-reliance. as of the end of june, industrial bank had 165,400 cooperative technology finance customers, with a loan balance of 903.515 billion yuan, an increase of 9.25% from the end of the previous year.
leverage the advantages of “commercial bank + investment bank”
"industrial bank is one of the first commercial banks to serve us. it adheres to the principle of 'investment-loan linkage and two-way empowerment' and grows together with our company. it is a good assistant and partner on our development path." a relevant person in charge of jiangsu housheng new energy technology co., ltd. in changzhou, jiangsu province said that the company is a world-renowned high-end lithium battery separator manufacturer and has recently successfully become a 'unicorn' enterprise.
industrial bank supports the development of jiangsu housheng new energy technology co., ltd.
it is reported that at the beginning of 2020, industrial bank paid attention to the development potential of jiangsu housheng new energy technology co., ltd. in view of the company's high technical and equipment advantages, it first met the company's daily operating needs through products such as "investment-loan linkage loans". at the beginning of 2022, the company launched the pre-ipo round of financing. industrial bank took advantage of its group operation and linked equity investment funds to support the company's rapid development through the "equity + debt" combination model. at the same time, in response to the company's growing production needs in changzhou, jiangsu, taiyuan, shanxi, and tongliang, chongqing, industrial bank's head office and branches coordinated to provide the company with more than 2 billion yuan in project loan support.
in the process of serving the development of "unicorn" enterprises, industrial bank fully leverages the advantages of "commercial bank + investment bank" and, through the coordinated cooperation between commercial banks and investment banks, enriches the models, tools and methods of serving technology-based enterprises, providing full-chain technology financial services from account opening to agency settlement, financing and intellectual capital.
at present, industrial bank has more than 230 equity investment institutions on its white list, serving a total of 1,065 investment-loan linkage loan customers, with a total investment-loan linkage loan amount of more than 12 billion yuan.
improve "financial + non-financial" services
in hubei, a company dedicated to providing full-stack solutions for the incremental parts needs of smart cars has successfully joined the ranks of "unicorn" companies in just four years.
the rapid development of the company is also inseparable from the financial support of industrial bank. in 2021, industrial bank, based on the service concept of growing together with the company, granted the company its first working capital loan of over 100 million yuan to help it grow and develop. at the beginning of 2022, at the critical time before the company went public, industrial bank relied on the "technical flow" credit evaluation system to inject financial vitality into the company again, helping the company to successfully list on nasdaq.
"for 'gazelle' and 'unicorn' enterprises that have developed to a certain stage, traditional financial services alone are often unable to fully meet the development needs of the enterprises. we must go beyond finance to do finance and build a 'finance + non-finance' technology and financial service model." a relevant person in charge of industrial bank introduced.
in addition to financial services, industrial bank strives to meet the "non-financial" service needs of "gazelle" and "unicorn" companies in terms of technology systems, research consulting, industry docking, etc., establish an "industry expert database", and deepen "region + industry" research. it serves as a think tank for government departments, high-tech parks, and technology-based enterprises, provides research support, and achieves both financing and "intelligence", truly "helping them get on the horse and then sending them on their way."
strengthen the synergy between “bank, government and guarantee”
"at the end of 2020, we were just a small and micro enterprise with an annual income of less than 20 million yuan. the industrial bank hefei branch, in conjunction with the hefei high-tech zone government, created the 'gazelle loan' product through the coordinated linkage of banks, governments and guarantees, which provided us with timely liquidity support and eliminated our worries about development." a relevant person in charge of kangjuren intelligent technology co., ltd. located in hefei high-tech zone said.
with the financial support of industrial bank, kangjuren intelligent technology co., ltd. has no worries about its development.
according to reports, the company is a gazelle enterprise and a national high-tech enterprise, mainly engaged in the production, sales and technical services of medical devices such as oxygen concentrators and nebulizers. thanks to the fact that industrial bank is the "gazelle loan" cooperative bank of the science and technology bureau of hefei high-tech zone, the bank actively contacted the guarantee company and vigorously promoted the efficient coordination and linkage of "bank, government and guarantee", and helped the company to develop and advance through its own "diligent running errands".
as high-growth technology-based enterprises, "gazelle" enterprises are small in scale and grow rapidly, but at the same time, they have obvious characteristics such as light assets, high growth and high risks. in response to this, industrial bank strengthened the cooperation between banks and government guarantees and improved the loss sharing mechanism, which not only "enhanced the credit" of enterprises, but also made banks "dare to lend and lend more". at the end of 2023, the balance of loss sharing loans for smes of industrial bank's science and technology innovation exceeded 23 billion yuan.
in addition, more than 30 branches of industrial bank have cooperated with local government departments such as the department of science and technology or the department of industry and information technology to innovate and improve the exclusive technology finance product system such as "gazelle loan" and "technology guarantee loan". at the same time, it has cooperated with government departments, guarantee companies, high-tech parks, stock exchanges, equity investment institutions, etc., taking advantage of the "peer circle of friends" to continuously expand the technology finance ecosystem and help accelerate the development of new quality productivity.
source: industrial bank guiyang branch
first trial of zheng qin
the second trial of zheng guo
third trial: xiang yongdong and zhou xiaoling
