科技金融贷

1. 产品描述：科技型中小企业因其规模小、资产少、风险大等原因，融资十分困难。数新网络创新地提出“基于数字信用体系的科技型企业评价模型”，充分借鉴国家及部分省市的企业创新指标，针对科技型企业的不同发展阶段，建立多维度的指标模型，致力于为各级政府及金融机构提供“一站式 ”科技型企业融资服务，助力产业结构调整、转型升级和科技强国。2. 产品功能：一键评估基于政务数据进行建模评分，企业可直接通过应用了解到自身多维度评分和评价，同时对比同类型企业的经营状况与发展程度。政策直兑展示企业相关政策，并提供政策针对性的匹配推荐，企业可通过政策直兑进行政策解读，并线上申请相关政策。线上贷款基于科技积分，各银行评定后会给企业预授信额度，企业可以对比各银行预授信额度及产品信息后进行申请。3. 产品优势：创新评分科创积分是对科技企业评价工作的方式方法创新，科创积分评价机制相当于建立基于企业创新能力的科技企业增信机制。知产质押通过企业创新积分可与更多社会资源对接挂钩，促进无形资产质押，第三方机构、其他企业对科创积分优质企业的多元化支持。政策支持科创积分为火炬中心和政府联合评估，衔接所在地方政府各类政策，根据企业积分结果精准量化支持科技企业。4.应用场景：科创企业融资：银行针对科技企业的融资困境，基于政务、经营、舆情等数据进行建模评分，从多维度出发评价企业的发展情况与潜力，为科技企业带来低成本高效率的科技融资。5.产品成效：某区科技局：使用科技金融贷对企业创新“一图清”：“企业积分”通过积分维度表，清晰获取总分与细分指标分值，找准科技创新领域争先创优方向；点击“金融服务”，立即获取银行机构贷款额度与专办热线，线上完成贷款手续，其中企业创新积分越高，银行授信额度越高。某市金融办：市科技金融平台针对科技企业所拥有的智力资源、人力资本、知识产权等无法准确量化为企业商业价值的无形资产，运用系统进行分析，通过信息反馈企业，企业申请贷款，银行线上审核实现“速贷”。整个运行过程实现了数据链推动业务链决策链变革。从改革创新角度，创造了科技企业贷款线上新模式。

1. Product Description: Technology-based small and medium-sized enterprises (SMEs) face severe financing difficulties due to their small scale, limited assets, high risks, and other factors. Shuxin Network has innovatively proposed a "Technology-based Enterprise Evaluation Model Based on Digital Credit System", which fully draws on the enterprise innovation indicators of the state and some provinces and cities, establishes a multi-dimensional indicator model targeting different development stages of technology-based enterprises, and is committed to providing "one-stop" technology-based enterprise financing services for governments at all levels and financial institutions, so as to facilitate industrial restructuring, transformation and upgrading, and the building of a strong country in science and technology.

2. Product Functions:
One-click Evaluation: Model-based scoring based on government affairs data. Enterprises can directly learn their multi-dimensional scores and evaluations through the application, and compare their operating conditions and development level with those of similar enterprises.
Direct Policy Application: Display enterprise-related policies and provide targeted matching recommendations. Enterprises can interpret policies through the direct policy application channel and apply for relevant policies online.
Online Loan: Based on the Technological Innovation Score, banks will grant pre-credit lines to enterprises after evaluation. Enterprises can apply for loans after comparing the pre-credit lines and product information of various banks.

3. Product Advantages:
Innovative Scoring: The Technological Innovation Score is an innovation in the evaluation methods for technology enterprises. The Technological Innovation Score evaluation mechanism is equivalent to establishing a credit enhancement mechanism for technology enterprises based on their innovation capabilities.
Intellectual Property Pledge: The Technological Innovation Score can be linked with more social resources, promoting the pledge of intangible assets, and enabling third-party institutions and other enterprises to provide diversified support for enterprises with excellent Technological Innovation Scores.
Policy Support: The Technological Innovation Score is jointly evaluated by the Torch High Technology Industry Development Center and the government, connects with various policies of local governments, and accurately quantifies support for technology enterprises based on their score results.

4. Application Scenarios:
Financing for Technological Innovation Enterprises: To address the financing difficulties of technology enterprises, banks conduct model-based scoring based on government affairs, operation, public opinion and other data, evaluate the development status and potential of enterprises from multiple dimensions, and provide low-cost and high-efficiency tech financing for technology-based enterprises.

5. Product Effects:
Technology Bureau of a Certain District: Using the "One-stop Overview" of Tech Financial Loan for Enterprise Innovation: The "Enterprise Technological Innovation Score" obtains the total score and the scores of subdivided indicators through the score dimension table, helping enterprises identify the direction for striving for excellence in the field of scientific and technological innovation; Clicking on "Financial Services" allows enterprises to immediately obtain loan amounts and special service hotlines from banking institutions, and complete loan procedures online. The higher the enterprise's innovation score, the higher the bank's credit line.
Financial Office of a Certain City: The municipal tech financial platform analyzes the intangible assets of technology enterprises that cannot be accurately quantified into commercial value, such as intellectual resources, human capital, intellectual property rights, etc., feeds back the analysis results to enterprises, and enables enterprises to apply for loans with banks conducting online review to achieve "quick loans". The entire operation process has realized the transformation of business chain and decision chain driven by data chain. From the perspective of reform and innovation, it has created a new online model for technology enterprise loans.