On January 3, 2025, the District Science and Technology Innovation and Investment Promotion Bureau, in conjunction with the District Credit Office, jointly applied for the typical case of Xinyi Loan: Huizhou Zhongkai High tech Zone's "Enterprise Innovation Points System+Credit System" dual wheel drive technology finance new ecology, which was rated as one of the three typical cases of Xinyi Loan in the province by the Guangdong Provincial Development and Reform Commission.

　　The dual wheel drive of "Enterprise Innovation Points System+Credit System" is driving the new ecology of technology and finance

　　Under the guidance of the innovation driven development strategy, Zhongkai High tech Zone, as a national level high-tech industrial development zone, has always been at the forefront of integrating scientific and technological innovation with financial services. Since being designated as the second batch of pilot high-tech areas for enterprise innovation points system platform by the Torch Center of the Ministry of Science and Technology in 2021, Zhongkai High tech Zone has closely focused on the "innovation driven development" strategy, actively explored and constructed an efficient science and technology financial service system that integrates credit evaluation, information sharing, financial empowerment, and credit rewards and punishments. This system not only effectively improves the accuracy of enterprise innovation capability evaluation, but also deeply integrates social credit work, forming a unique "innovation+credit" dual wheel driving model.

　　（1） Constructing a scientific evaluation system and strengthening the application of credit indicators

　　Zhongkai High tech Zone closely follows the pulse of regional development, accurately grasps industrial characteristics and enterprise needs, and innovatively expands 22 Zhongkai characteristic indicators based on the 18 core indicator system released by the Torch Center of the Ministry of Science and Technology, covering key areas such as innovative talents, innovation platforms, innovation achievements, entrepreneurship competitions, and enterprise credit. These indicators not only enhance the comprehensiveness and objectivity of the evaluation system, but also fully consider the risk preferences of financial institutions, making the evaluation model highly compatible with the bank risk control model, and drawing a precise innovation portrait for enterprises.

　　（2） Build a points management platform to promote seamless integration of credit information

　　Zhongkai High tech Zone has created a unique enterprise innovation points management information system that integrates points management, data management, policy services, notification and announcement, visual display, indicator calculation, and enterprise credit enhancement support. Through this system, enterprises can query their points status, innovation capability comparison, and ranking in real time, while the government can accurately push policy announcements and financial products. Financial institutions can easily obtain key information such as corporate credit reports and business data, providing strong support for enterprises to increase credit and credit. At the same time, government departments can also monitor the credit status of enterprises in real time, provide more policy support and rewards to enterprises with good credit, and create a good atmosphere of "credit incentives and dishonesty punishment".

　　Relying on the enterprise innovation points management system, we have successfully developed a technology finance application platform to achieve efficient and seamless integration between the government, financial institutions, and enterprises. Enterprises can post their financing needs on the platform "Financial Supermarket", and financial institutions will accurately match and respond quickly based on the enterprise's innovation points and credit status. In addition, we have collaborated with financial institutions such as Bank of China, China Construction Bank, China Merchants Bank, and Huizhou Rural Commercial Bank to launch special financial products such as "High Enterprise Loan", "Innovation Points Storage Loan", and "Enterprise Innovation Points Loan". These products directly link the innovation points of enterprises to their credit ratings, effectively reducing their financing costs and improving financing efficiency. As of now, 12 banks have registered in the system and released 8 point based loan products. A total of 702 point based enterprises have obtained special loans or credit through the platform, with a total amount of 43.615 billion yuan.

　　（3） Establish a sound credit reward and punishment mechanism, optimize the first-class business environment

　　Establish a sound credit reward and punishment mechanism in conjunction with the pilot work of enterprise innovation points system. On the one hand, priority will be given to employees of top ranked companies in terms of talent apartment occupancy, talent fund subsidies, and children's enrollment; At the same time, according to the ranking of enterprise innovation points, honors such as technology innovation model enterprises, advanced enterprises, and emerging enterprises will be awarded. Priority will be given to recommending project applications and participating in competitions, and rent reductions will be implemented for high scoring enterprises to comprehensively reduce operating costs and stimulate enterprise innovation vitality. On the other hand, enterprises that engage in dishonest behavior will be punished in accordance with laws and regulations, such as restricting their access to policy incentives and participation in government procurement.

　　（4） Innovative financing models to overcome financing bottlenecks

　　In response to the common problems faced by technology enterprises in the early stages of growth, such as difficult and insufficient financing, Zhongkai High tech Zone takes enterprise innovation points as the starting point and pioneered the "compensation first, compensation later" government bank cooperation model, reducing the initial capital investment pressure of the government, amplifying the leverage effect of fiscal funds, and providing credit support to technology-based small and medium-sized enterprises on a larger scale. As of now, the first batch of enterprises supported by the government bank have successfully landed loans and signed cooperation agreements with Industrial and Commercial Bank of China, Minsheng Bank, Guangzhou Bank, and Nanyue Bank, with an agreement amount of 1.55 billion yuan. The total scale of special loans reaches 3 billion yuan, and it is expected to accurately support more than 1000 small and medium-sized enterprises.

　　（5） Precise drip irrigation of loan interest subsidies, helping enterprises to go into battle with light equipment

　　In order to further solve the problem of high financing for technology-based small and medium-sized enterprises, Zhongkai High tech Zone has developed a loan subsidy (rental) module on the innovative point based technology finance application platform, and has matched the district's loan subsidy (rental) policy. The subsidy ratio is tailored according to the enterprise's revenue scale and financing needs. Specifically, for enterprises with annual revenue between 20 million yuan and 200 million yuan, the loan interest subsidy ratio shall not exceed 2%; For enterprises with annual revenue below 20 million yuan, the subsidy ratio shall not exceed 3%. At the same time, corresponding proportional restrictions have been set for rental subsidies for financing leases to ensure fairness. Since the operation of the platform, the district's finance department has invested nearly 30 million yuan in subsidized loans and rental support for technology-based small and medium-sized enterprises, supporting 522 enterprises, reducing their financing costs by about 50%, and successfully facilitating the issuance of more than 3 billion yuan in loans. In addition, under the risk sharing model of government and bank, the financing guarantee fees for enterprises have been significantly reduced to 0.45%, a decrease of 55% compared to the market's general guarantee rates, and the problem of expensive financing for technology-based small and medium-sized enterprises has been continuously alleviated.