The blooming of the "flower of technology" cannot be separated from the careful watering of financial water. How to further improve the quality and of financial services and solve the financing problems of technology enterprises?
During recent investigations in Anhui, Jiangsu, Guangdong and other places, journalists found that the support of relevant policies, more and more financial institutions are exploring new paths, and the continuous flow of financial "water" is pouring into innovation highlands.
Focusing improving the financing environment for technology enterprises
Using voiceprint technology to create a "stethoscope" for industrial equipment is the direction that Anhui Zhongke Haoin Intelligent Technology Co., Ltd. has been exploring. In recent years, the company's business has expanded to new energy, steel and other industries. As the service and research and development investment increase, it is becoming more and more important to ensure the research and development funds of the enterprise.

"This year, we have increased cooperation enterprises in the industrial chain, and integrated voiceprint monitoring into the front end of industrial equipment research and development and design, which requires more research and development funding investment." The companys co-founder Xu Quan told reporters that at a critical moment, Xingye Bank's Hefei Branch provided the enterprise with a 20 million credit through the "Common Growth Plan", which ensured the research and development funds.

Workers at Anhui Zhongke Houyin Intelligent Technology Co., Ltd. are conducting acoustic AI inspections on oilfield's flexible pipeline. Photo courtesy of the interviewee.
The "Co-growth Plan" that Xu Quan mentioned is an innovative measure launched by the's Bank of China, Anhui Branch in the past two years. By using the model of "Basic Loan Contract   Long-term Strategic Cooperation Agreement", it the formation of long-term in-depth cooperation between banks and enterprises. As of the end of November 2025, this plan has served more than 15000 enterprises and issued loans of more than 210 billion yuan.
The lack of collateral and difficulty in valuation and assessment have always been the main problems by technology enterprises in financing, and they are also the directions in which financial measures are actively introduced from the central to local governments to explore solutions.
The scale of innovation and transformation relending has been expanded to 800 billion yuan, and the relending interest rate has been lowered to 1.5%. The establishment of a " and Technology Board" in the bond market... Since this year, the People's Bank of China and relevant departments have closely collaborated and comprehensively used credit, bonds, and other means to improve the full-link financial services and continuously increase the financial support for scientific research and technology transformation.
Under the promotion of a series of measures, the in the field of science and technology finance are obvious: the year-on-year growth rate of the loan balance of science and technology SMEs has remained above 20% many years, the new amount of science and technology loans accounts for nearly 30% of the new amount of all loans, and has become an important driving force for credit growth
Financial and technological "mutual pursuit" to solve problems together
In the second half of this year, Nan Anze Information Technology Co., Ltd. has achieved a key technological breakthrough: the company successfully introduced a university patent technology, significantly optimizing the server computing power architecture, and injecting momentum into the company's digital upgrade.
"This breakthrough could not have been possible without the support of the 7 million 'patent conversion loan' from the Bank of." said Liu Xuming, the person in charge of the company. Instead of requiring traditional factory mortgage, the bank focused on the value of the company's soon-tobe industrialized patent technology, gave a high score through professional evaluation, and ultimately helped the company obtain a pure credit loan.
More and more technology-based enterprises' " power" of technology is turning into "hard currency" of financing. Behind this is the bank's continuous optimization of the loan process, using technological power to promote financing services from response to active touch.
"We have established a dynamic database for 4.01 million corporate customers, relying on big data to accurately identify the credit potential of enterprises generate pre-authorized credit limits." said Li Xiaoguang, the deputy general manager of the Small and Micro Finance Department of the Bank of China Jiangsu Branch With the support of the independently developed "Digital Inclusive Finance" platform, the financing cycle of technology-based small and micro enterprises has been shortened by more than 60% and 4,530 technology enterprises have quickly obtained loans of 33.4 billion yuan through the platform.
Developing innovative scoring models, establishing technologybased financial centers, and improving the due diligence exemption system... With the help of "hard technology", financial institutions are actively launching more adaptable risk assessment models, "or-made" technology-based financial products, and establishing "intimate service" technology-based financial teams. Technology and finance promote each other and move forward together.
Innovation in science and technology relies on good financial support, and financial development is increasingly relying on scientific and technological innovation to expand customer space and optimize the evaluation system." said Qingma, the vice president of the China Institute of Finance at Southwestern University of Finance and Economics. Through AI and big data, etc., financial institutions improve the accuracy "portrait" of technology-based enterprises, and help enterprises to turn "abilities" into money and "intellectual property" into assets