CZBANK's Hangzhou Branch has successfully completed the full system construction and integration with Hangzhou's "Five-in-One" Hangchuang E-Station platform. Leveraging the advantage of data sharing between government and bank, the branch has successfully executed the bank's first batch of its "Five-in-One Sci-Tech Loan" business. Among these, Hangzhou Woken New Materials Technology Co., Ltd. and Hangzhou Haoyang Biotech Co., Ltd. have successfully completed online loan applications and received funding approval through the platform.
The successful execution of these two deals not only serves as a flagship case for the deep integration of CZBANK Hangzhou Branch's sci-tech finance with the municipal sci-tech finance platform, but also provides precise financial support to two critical sectors: semiconductor new materials and biopharmaceuticals. This creates a replicable, scalable standard model for similar sci-tech business scenarios.
Government-Bank Data Sharing Creates a Full-Lifecycle Service Loop
Hangzhou's "Five-in-One" Hangchuang E-Station Sci-Tech Financial Service Platform focuses on the coordinated linkage of five dimensions: "investment, loan, subsidy, guarantee, and insurance," directly addressing pain points for sci-tech enterprises in financing, data collection, and resource matching. By aggregating data resources from multiple government and enterprise sources, the platform breaks down information barriers between departments and institutions, establishing an efficient and collaborative service system.
To align with Hangzhou's sci-tech finance strategy, CZBANK's Hangzhou Branch proactively engaged with and joined the platform, opening up a full-process online loan application channel. Eligible sci-tech enterprises can submit financing applications with a single click from their offices, and can enjoy a fiscal interest subsidy of up to 25% on loan interest. The mutual concessions from both government and bank tangibly reduce the comprehensive financing costs for technology companies, allowing supportive policies to directly benefit the real economy.
Woken New Materials: Financial Support Fuels Domestic Substitution for High-End Thermal Field Materials
Hangzhou Woken New Materials Technology Co., Ltd. is a high-quality, specialized, and innovative "Little Giant" enterprise in Xiaoshan District, focusing on the R&D and production of carbon-based composite materials such as high-purity carbon fiber thermal fields and SiC coatings. Its products are widely used in high-end, critical manufacturing sectors like semiconductors and photovoltaics. The high-end new materials industry is characterized by high R&D investment and relatively low fixed assets, making it difficult for traditional credit models to meet its financing needs.
CZBANK's Hangzhou Xiaoshan Branch has been cooperating with Woken New Materials since 2017. In this transaction, the company applied for the loan with a single click via the Hangchuang E-Station platform, significantly saving application time. By claiming the Sci-Tech Loan interest subsidy voucher, the company directly enjoys interest reduction, effectively alleviating funding pressure for capacity expansion and technological upgrades.
Haoyang Biotech: Precise Support Safeguards "Innovation Translation" in Biopharmaceuticals
As a national-level specialized and innovative "Little Giant" enterprise and one of the first key cultivation pilot platforms designated by the Ministry of Industry and Information Technology, Hangzhou Haoyang Biotech Co., Ltd. focuses on one-stop R&D and production services for antibodies and ADC drugs. CZBANK's Hangzhou Branch first granted Haoyang Biotech a credit line of 30 million yuan in August 2023. Recently, by connecting with the bank's launched "Five-in-One" Hangchuang E-Station Sci-Tech Loan product, the company obtained high-quality fiscal interest subsidy support, significantly lowering its comprehensive financing costs. These funds precisely support the company's R&D operations and capacity expansion, helping it bridge the critical path from laboratory to industrialization.
Establishing a Standard Model to Foster New Quality Productive Forces
From semiconductor new materials to biopharmaceuticals, CZBANK's Hangzhou Branch leverages its technological financial strength to precisely meet the financing needs of specialized and innovative enterprises. The successful execution of these dual flagship deals has established a fully online financing service process integrating "government platform + bank + sci-tech enterprise," creating a new, standardized financial service path suitable for sci-tech firms.
Moving forward, CZBANK's Hangzhou Branch will continue to deepen its strategic cooperation with the Hangchuang E-Station platform, accurately connect with the financing needs of more high-tech enterprises, use financial resources to safeguard independent innovation in advanced manufacturing, and inject strong financial momentum into cultivating new quality productive forces for the region.
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