Relying on big data and breaking the traditional credit evaluation model of banks, Industrial Bank innovatively launched the "Technology Flow" exclusive evaluation system to achieve an accurate portrait of the scientific and technological innovation capabilities of scientific and technological innovation enterprises, becoming the "solution" to unlock financing difficulties. Golden Key".
Fujian Weibo Industrial Robot Co., Ltd. is one of the beneficiaries of the exclusive evaluation system of "Technology Flow". The company is a high-tech enterprise specializing in the R&D and production of industrial robot equipment and systems, with 36 patents. Because the enterprise is in a period of rapid scale expansion, there is a certain time difference between upstream and downstream payments and collection settlements, resulting in short-term liquidity needs. However, the company lacked tangible assets as collateral and fell into financing difficulties for a while. After learning about the situation, Industrial Bank took the initiative to contact the enterprise, and based on the enterprise's "technological flow" score ranking, using the six core patents provided by the enterprise as pledges, it issued an intellectual property pledge loan of 3.8 million yuan to the enterprise, solving the enterprise's funding problem.
According to reports, the "Technology Flow" evaluation system of Industrial Bank's scientific and technological innovation enterprises quantitatively evaluates the scientific and technological innovation capabilities of enterprises from 17 dimensions, including intellectual property rights, R&D investment, R&D team strength, industry-university-research situation, etc., and uses This builds a differentiated approval model, and launches an exclusive business for technology-based enterprises "Kechuang Cloud Loan" based on the online financing "Quayidai" for small and micro enterprises, providing all-round online financing for technology-based companies such as "Specialized Specialties" , pure credit, convenient financial services that can be borrowed and repaid at any time. “Technology Cloud Loan” is currently being piloted in Fujian Province. Previously, Industrial Bank’s offline “Technology Loan” in Fujian Province ranked first among its peers.
"In the next stage, our bank will further leverage its 'commercial bank + investment bank' advantages, continue to improve the scientific and technological innovation financial service system integrating stocks, bonds and loans, increase comprehensive financial services for various scientific and technological innovation entities, and cultivate Support more high-tech enterprises and specialized new enterprises to grow and expand," said the person in charge of the Small and Medium Enterprises Department of Industrial Bank.
Contributed by Industrial Bank
Click "Discover" on WeChat and scan the QR code
to share this article to your circle of friends.