High-Tech Loans Grow 43.3% in First Half! ICBC Henan Branch Empowers High-Tech Enterprises for New Development
【Big River Financial News】ICBC Henan Branch deepens implementation of high-tech financial policies, perfects service system and ability-building, strengthens overall supply, optimizes mechanisms and procedures, and actively meets the financing needs of high-tech enterprises in the whole province.
As of June 30th, the bank's high-tech loan balance reached 988.2 billion yuan, with a net increase of 298.6 billion yuan over the year, representing a significant growth of 43.3%. The bank has provided financing support to 6196 high-tech enterprises, an increase of 25.6% over the year. High-tech financial services have continued to improve in terms of depth, coverage, and accessibility.
The ICBC Zhengzhou Branch's service team conducted on-site visits to understand enterprise needs.
Building a Centralized High-Tech Financial Management Mechanism
ICBC Henan Branch established a comprehensive high-tech financial organization framework, set up the "Five-Star Team" led by the provincial branch's president, and formed the Henan Branch's High-Tech Financial Committee. The committee has built a specialized service system for high-tech enterprises, providing full-chain financial services.
The bank takes advantage of the characteristics of high-tech enterprises, such as lightweight assets and high-tech attributes, to implement policy bias in client access, credit evaluation, approval efficiency, and authority delegation. The bank has simplified entry processes for high-tech enterprises, with credit ratings automatically increased based on the enterprise's technological qualifications. The bank has optimized review modes and mechanisms, set up a specialized review team, and improved review efficiency.
In the key period of economic transformation and upgrading, high-tech finance has become an important engine driving real economic development. Zhengzhou Dada Technology Equipment Co., Ltd., as a national-level high-tech enterprise and "small giant" company, specializes in designing and manufacturing welding auxiliary equipment, automated welding lines, and coating production lines.
Improving Comprehensive Service Supply
ICBC Henan Branch is committed to building a multi-level financial product and service system that matches the growth cycle of high-tech enterprises, strengthening credit-type and guarantee-type products, and enhancing service adaptability.
For mature and growing high-tech enterprises, the bank has comprehensively applied operating funds loans, project financing, and merger financing to meet large-scale credit needs. The bank has also emphasized knowledge property pledge financing, focusing on solving middle-sized enterprise lightweight asset problems.
For small and micro high-tech enterprises, the bank has launched "Specialized and Innovative Loans", "Henan Province E-Loan", and "Technology E-Loan" universal products. The bank has innovatively developed scenario-based models, launching regional characteristic products such as "Drone Industry Loan", "Robot Park Loan", "Electric Equipment Industry Loan", and "Chemical New Materials Loan".
The bank has deepened the integration of investment and credit, emphasizing new-type services such as debt financing tools, funds, and equity. The bank has promoted early-stage, small-scale, and long-term investments to meet diversified funding needs.
Strengthening Digital Empowerment and Resource Support
Based on the ICBC high-tech enterprise intelligent evaluation system and other digital platforms, ICBC Henan Branch has comprehensively assessed enterprises' financial status and development prospects. The bank has strengthened support for enterprises in terms of credit scale, internal funds transfer pricing (FTP), assessment and review, and resource allocation.
Zhengzhou Multi-Intelligent Equipment Manufacturing Co., Ltd. is a national-level high-tech enterprise and "small giant" company, focusing on providing comprehensive intelligent manufacturing solutions for automobile production enterprises. With the expansion of the company's scale and clients' payment cycles extended, the company has requested mid-to-long-term working capital loans.
The Zhengzhou Branch's vice president led a team to visit the company's production workshop, understanding its production processes and supply chain situations. The bank has worked closely with the company's responsible person to discuss business cooperation, risk control, and other issues. Ultimately, the company successfully secured a 2-year loan of 3 billion yuan, effectively alleviating mid-to-long-term financing pressures.
In the future, ICBC Henan Branch will continue to deepen the implementation of the "ICBC Entrepreneurship Partner" plan, strengthening its face-to-face interactions with high-tech enterprises, providing customized service plans for each enterprise, and promoting a virtuous cycle between technology, industry, and finance. The bank will further deepen cooperation with high-quality high-tech enterprises, providing professional and efficient financial services to empower enterprises to grow stronger, injecting financial impetus into the development of Henan's economy.
Editor: Shi Jian | Auditor: Li Jin Yu | Supervisor: Lu Zhen | Monitor: Gǔ Qín