Recently, Zhangjiagang Rural Commercial Bank successfully issued the city's first "Computing Power Loan" of 1 million yuan to local company Tongsuanshidai Technology (Suzhou) Co., Ltd. This product, as a concrete practice of empowering new quality productive forces through finance, precisely matches the asset-light characteristics of tech-innovation enterprises and their funding needs for computing power investment, injecting strong financial momentum into the artificial intelligence industry development in the port city.
The "Computing Power Loan" product innovatively constructs a financing model of "bank credit + policy support + computing power voucher credit enhancement." It fully integrates local computing power voucher support policies into the entire credit granting process, transforming policy benefits into direct financing and credit enhancement tools. Simultaneously, it links with government risk compensation mechanisms, effectively bridging the "last kilometer" for the implementation of industrial support policies and promoting the precise aggregation of financial resources towards the core tracks of the computing power industry.
Addressing the pain points of computing power tech-innovation enterprises, such as high R&D investment, long funding cycles, and lack of traditional collateral, the bank has innovated in product elements: First, flexible quota calculation. It adopts a dual-dimensional rule of "basic credit line + computing power voucher credit enhancement," with a maximum basic credit line of 10 million yuan per enterprise. With the support of computing power voucher credit enhancement, fixed asset loans can reach up to 50 million yuan. Second, precise term matching. It offers revolving working capital loans, medium-to-long-term working capital loans, and fixed asset loans with terms of up to 10 years, comprehensively covering the entire development cycle of enterprises. Third, diversified guarantee methods. Breaking through traditional collateral restrictions, it fully accepts intellectual property, data assets, and procurement contracts as credit enhancement bases, effectively solving the "difficulty in obtaining guarantees" for asset-light enterprises.
Tongsuanshidai Technology (Suzhou) Co., Ltd., as a startup in the port city's artificial intelligence and computing power infrastructure sector, has its core assets concentrated in technology, algorithms, and talent. Faced with the company's purely technology-driven model and lack of traditional collateral, Zhangjiagang Rural Commercial Bank broke away from traditional credit logic. Based on the company's procurement contracts and R&D capabilities, it completed the issuance of a 1 million yuan pure credit loan within one week through efficient approval. This funding not only filled the company's computing power investment gap but also strongly ensured the smooth progress of its AI R&D projects.
Moving forward, Zhangjiagang Rural Commercial Bank will closely align with the city's "5+5+N" modern industrial system layout. Taking the launch of the "Computing Power Loan" as an opportunity, it will continue to iterate and optimize its tech-innovation financial product matrix. Adhering to the original purpose of a local corporate bank, it will increase financial support for the entire local computing power industry chain and core tracks of new quality productive forces, providing solid financial support for the modernization of Zhangjiagang City.