Industries such as new energy, semiconductors, chip testing, and high-end electrical equipment are characterized by high technological content and rapid innovation cycles. They are pivotal forces in developing advanced productive forces and provide strategic support for achieving technological self-reliance. However, these sectors often face the practical challenges of high R&D investment and difficult commercialization of results, creating an urgent need for financing support.
Postal Savings Bank Of China Co.,Ltd. (ASX: 601658) is actively implementing decisions to advance the financial sector's role in supporting technology. Moving beyond traditional credit frameworks, the bank focuses on the technological value and development potential of enterprises. Through flagship products and tools like Sci-Tech Credit Loans, a "Technology Flow" evaluation system, investment and financing advisory services, and intellectual property pledge loans, it aims to bridge the "last mile" in transforming scientific and technological achievements, helping innovative seeds sprout and flourish.
Empowerment Through Sci-Tech Credit Loans: Securing the Closed Loop for Lithium Battery Recycling
In recent years, the new energy vehicle industry has experienced rapid development, with its influence across the industrial chain continuously rising. Concurrently, as power batteries enter their retirement cycle in large numbers, the recycling and utilization of lithium batteries have become a critical area for completing the new energy industry chain's closed loop and an essential step in practicing green, low-carbon development.
Wuhan Ruikemei New Energy Co., Ltd. is a national-level "Little Giant" enterprise specializing in the recycling and echelon utilization of retired power batteries from new energy vehicles. During an on-site visit, Postal Savings Bank Of China Co.,Ltd.'s Jiangxia District branch in Wuhan discovered the company was in a capacity expansion phase but urgently needed working capital due to cyclical raw material price increases.
Through deeper engagement, the branch learned that the company's technical team members hail from prestigious universities, possessing strong R&D capabilities. Its self-developed comprehensive recycling and processing system for retired power batteries had already secured multiple rounds of equity financing, indicating promising market prospects.
The Jiangxia branch comprehensively assessed the company's growth potential from the perspectives of team, technology, and capital, ultimately granting it a 20 million yuan (RMB) Sci-Tech Credit Loan to support its expansion and operations. This infusion of financial resources not only stabilized the company's confidence for expansion but also accelerated the industrialization of its technological achievements, ushering in a new phase of capacity release and diversified development.
Synergy of Credit and Investment: Backing Substrate Material R&D
The new display and semiconductor industries form the "core foundation" supporting the digital economy, impacting the development of multiple technological fields including electronic information, intelligent manufacturing, and new energy. In Anhui, a national-level "Little Giant" enterprise focused on R&D of core materials for new displays and semiconductors was in a high-growth stage. Its semiconductor material R&D project was hindered by a lack of funds for equipment procurement.
Upon learning of the company's difficulties, the Anhui provincial and municipal branches of Postal Savings Bank Of China Co.,Ltd. conducted a joint on-site visit. They evaluated the company based on its patent portfolio, technical strength, and operational capabilities, providing a 25 million yuan equipment purchase loan under a "disburse first, mortgage later" arrangement. Simultaneously, they offered investment and financing advisory services with an equity option. This dual approach of credit provision and investment facilitation successfully propelled the project forward.
The combined financial empowerment of "loan + investment matching" allowed the company to shed its financing burdens and focus wholeheartedly on R&D and capacity expansion, speeding up the further industrialization of its technological results.
"Technology Flow" Assessment: Driving Progress in Chip Testing
Chip testing serves as the "quality inspection checkpoint" for the integrated circuit industry. It is a core link in ensuring chip performance and enhancing product reliability, and a crucial support for breaking through high-end chip technology barriers and achieving industrial autonomy and controllability.
A national-level "Little Giant" enterprise in Shanghai's semiconductor chip testing field possesses dual technological advantages in "full industry chain + advanced process" domestically. During a marketing visit, Postal Savings Bank Of China Co.,Ltd.'s Songjiang District branch in Shanghai learned that the company was experiencing a phase of operational losses due to its R&D cycle, making it difficult to obtain financing under traditional credit evaluation logic.
The bank's Shanghai Science and Technology Finance Department quickly formed a specialized team for an on-site investigation. Leveraging information on the company's core technological advantages, potential revenue from billions in orders, and backing from state-owned investment funds, the team employed the "Technology Flow" evaluation system. They customized a 50 million yuan credit package for the company, comprising working capital loans, bank acceptance drafts, and letters of credit.
This financial service built a bridge for the conversion of scientific and technological achievements, smoothing the transition from R&D攻坚 to capacity expansion, and empowering the transformation of hardcore technological advantages into industrial development momentum.
Breaking Barriers with IP Pledges: Energizing Electrical Equipment Development
The high-end electrical equipment industry is a vital force supporting new infrastructure construction and driving manufacturing upgrades. The transformation of its technological achievements directly impacts infrastructure quality and the development level of intelligent manufacturing.
In Shaanxi, a light-asset technology company long dedicated to electrical equipment installation and smart electrical system integration has secured multiple infrastructure projects using its core utility model patents. During routine visits to the industrial park, Postal Savings Bank Of China Co.,Ltd.'s Shaanxi Free Trade Zone Pilot Area branch learned that due to industry practices requiring significant upfront capital and long warranty cycles, the company dared not increase R&D investment to maintain normal cash flow, hindering the transformation of its technological results.
Addressing this bottleneck, the Shaanxi Free Trade Zone Pilot Area branch, adopting an "intellectual property credit" perspective, assessed the company's development prospects based on the value of its patents, technological practicality, and operational stability. It successfully granted the company a 4 million yuan intellectual property pledge loan and assisted it in applying for local government intellectual property interest subsidy funds.
Transforming technological patents into R&D capital revitalized the company's intangible assets, promoting the continuous iterative transformation of its technological achievements.
Every technological breakthrough embodies the perseverance of science and technology enterprises; every successful transformation of an achievement relies on the support of financial strength. From the mass production of new energy technologies to the industrial breakthrough of chip achievements, from value realization for "Little Giant" enterprises to innovation activation for light-asset companies, Postal Savings Bank Of China Co.,Ltd. consistently walks alongside technology enterprises. It helps bring technology out of the laboratory and enables innovation to win in the marketplace.
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