At the liquid cooled and dust-free room of the production center of Shuguang Shuchuang (Qingdao) Industrial Innovation Base, staff are producing cold plate liquid cooled products. Data source for Dawn Digital Innovation Supply Map: The People's Bank of China and the State Administration of Financial Supervision and Administration of China have increased financial support for scientific and technological innovation in recent years, and have established seven science and technology innovation financial reform pilot zones. Each pilot zone actively explores, increases innovation in financial products and service methods, develops characteristic institutions of science and technology innovation finance, optimizes the market system of science and technology innovation finance, and enhances the accessibility and convenience of financing for science and technology innovation enterprises. What kind of answer sheet has the reform of science and technology innovation finance delivered? Recently, reporters conducted interviews in the Zhongguancun National Independent Innovation Demonstration Zone in Beijing, the Science and Technology Innovation Financial Reform Pilot Zone in Nanjing, Jiangsu, Hefei, Anhui, Jinan, Shandong, and other places. Enriching products and services, guiding financial resources towards technological innovation frontend configuration. In early March 2023, an industrial automation enterprise in Nanjing received an order worth over 100 million yuan from a domestic engineering machinery company to provide a smart production line for a global lighthouse factory. "This is a good opportunity for development." While excited, Chang Mingyong, the person in charge of this industrial automation enterprise, felt pressure: according to the contract, the smart production line needs to be delivered within 5 months. The other party adopts the "3331" payment method, which means paying 30% of the advance payment within 7 days of signing the contract, 30% of the payment on site when the goods arrive, 30% of the payment after passing the acceptance inspection, and the remaining 10% of the warranty payment after one year of warranty period. It's both an opportunity and a challenge. For enterprises, the advance funds required for orders will cause significant financial pressure in the short term, and the annual R&D expenses of the enterprise are also a significant expense. "Our first thought was to undertake more orders, but in the face of a funding gap of about 50 million yuan, the company's own funds can only partially solve the problem." Chang Mingyong decided to borrow from the bank. Upon understanding the financing needs of the enterprise, Miao Ning, Deputy General Manager of the Science and Technology Culture Financial Service Center of Nanjing Branch of Bank of China, led the staff to analyze and evaluate the business status, development prospects, and operating qualifications of the enterprise. It was believed that as a provincial-level specialized, refined, and innovative enterprise, its annual revenue has increased significantly in the past three years, and it has strong industry competitiveness. Therefore, in combination with the enterprise's funding needs and "specialized, refined, and innovative" qualifications, it flexibly used products such as "specialized, refined, refined, and innovative insurance" and "Ningke Loan" to provide a total credit of 43.3 million yuan for the enterprise and its parent and subsidiary companies. In 2023, Jiangsu Province issued the Implementation Plan for the Construction of Nanjing Science and Technology Innovation Financial Reform Pilot Zone, which clearly supports commercial banks to enrich the types of credit loan products and increase the proportion of credit loans for science and technology innovation enterprises. The "Specialized, Refined, Special, and New Insurance" launched by Nanjing City implements a white list system for specialized, refined, special, and new enterprises through a risk sharing mechanism among the government, banks, guarantee companies, and re guarantee companies. It has the characteristics of no collateral, no premium, high credit limit, and low interest rate. "On this basis, our bank has provided a green approval fast channel for specialized, refined, and innovative enterprise loans through process reengineering, implementing fast business processing. Within less than a week of applying for loans, a loan of 25 million yuan has already been received," said Miao Ning. Related to the Financial Office of the Nanjing Municipal Party Committee