Does the subject want to ask, "How many points can the caliber of scientific and technological innovation loans be divided into?" The caliber of scientific and technological innovation loans can be divided into three points, specifically, loans for developing new software or electronic products, new business models, cloud computing or big data.

1. loans for developing new software or electronic products: loans applicable to developing new software or electronic products, including software development fees, system integration fees, equipment purchase fees, testing fees, etc.

2. New business model loan: It is suitable for supporting the research and development and start-up of emerging business models, including internet plus, artificial intelligence, intelligent manufacturing, and enjoying the economy.

3. Cloud computing or big data loan: It is suitable for the research and development and application of cloud computing or big data technology, including cloud computing equipment loan and big data application loan.