Fujian Baiwei 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 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 payment and collection settlement, resulting in short-term liquidity demand. However, the company lacked tangible assets as collateral and was once caught in a financing dilemma. After understanding the situation, Industrial Bank took the initiative to connect with enterprises, and based on the ranking of "technical flow" of enterprises, with six core patents provided by enterprises as collateral, it issued intellectual property pledge loans of 3.8 million yuan for enterprises, which solved the capital problem of enterprises.
According to reports, Industrial Bank's "technology flow" evaluation system quantifies the technological innovation ability of enterprises from 17 dimensions, such as intellectual property rights, R&D investment, R&D team strength and Industry-University-Research situation, and builds a differentiated approval model on this basis. On the basis of online financing "quick and easy loan" for small and micro enterprises, we launched the exclusive business "Kechuang Cloud Loan" for technology-based enterprises, providing full-line services for technology-based enterprises such as "specialization and innovation". "Kechuang Cloud Loan" is being piloted in Fujian Province at this stage. Previously, Industrial Bank's "Technology Loan" offline investment in Fujian Province ranked first in the industry.
"In the next stage, the Bank will further give play to the advantages of' commercial bank+investment bank', constantly improve the technology and finance service system integrating stocks, bonds and loans, increase comprehensive financial services for various scientific and technological innovation entities, and cultivate and support more high-tech enterprises and specialized new enterprises to grow and develop." The person in charge of the SME Department of Industrial Bank said.
Industrial Bank contributed capital.
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