Financing Salon for Technology based Small and Medium sized Enterprises with the Promotion of Industry Finance Cooperation

Helping enterprises overcome financing difficulties and enter the fast lane of development

On March 28, 2025, the "Industry Finance Joint Promotion" technology-based small and medium-sized enterprise financing salon symposium jointly hosted by Xi'an High tech Enterprise Association and Xi'an Listed Enterprise Association was successfully held in the High tech Zone. This event brought together elite representatives from many professional institutions such as China Construction Bank, Guosen Securities, and Guohao Law Firm, as well as leaders from more than 10 technology-based small and medium-sized enterprises. All parties have conducted in-depth exchanges on core issues such as interpreting financing policies, sharing practical strategies, and risk prevention, jointly exploring systematic solutions to solve the three major pain points of "difficult financing, expensive financing, and poor financing information".

（1） Accurately monitoring policy trends and constructing diversified financing paths

At the beginning of the event, Yang Xianghui, Vice President of the Xi'an New City Branch of China Construction Bank, stated in his speech: "In recent years, our bank has continued to make efforts in the field of financial services for technology-based enterprises and achieved significant results. In response to the unique characteristics of technology-based enterprises, we have established a technology enterprise customer group management center dedicated to providing more professional, focused, and efficient services to empower technology enterprises and help them thrive." This promotion injected strong confidence into the on-site enterprises and opened a wonderful prelude for industry finance integration.

Wang Xu, investment advisor of Guosen Securities Shaanxi Branch, conducted in-depth analysis of macroeconomic trends based on detailed data. He pointed out that "in the wave of industrial upgrading, the financing needs of technology-based small and medium-sized enterprises show distinct structural characteristics. In 2024, the scale of equity financing in Shaanxi increased by 37% year-on-year, with intelligent manufacturing and biopharmaceutical fields accounting for 65%." Through accurate trend analysis, he has clearly outlined the window of opportunity for the capital market for enterprises and helped them seize the initiative.

（2） Practical strategies address pain points and empower enterprise capital operations

Jie Xiaochen from the Investment Banking Department of China Construction Bank focuses on equity financing and provides a professional and in-depth interpretation. He carefully sorted out the equity financing policies for science and technology innovation enterprises from four major directions, and deeply analyzed the policy highlights, including optimizing capital market access and systems, expanding special funds and equity investment pilot programs (AIC equity investment pilot program expanded to the provincial level), coordinating support from banks and insurance funds to solve the financing difficulties of light asset enterprises, and coordinating the bond market with regional policies (establishing a priority review mechanism for technology-based corporate bonds and allowing local governments to increase trust). Based on actual product cases, he analyzed how the combination strategy of stock and bond linkage can help enterprises with financing, providing valuable financing ideas for the companies present.

The Inclusive Finance Department's He Chao has focused on innovative debt financing products, with a particular emphasis on promoting specialized products for small and micro technology enterprises as well as the unique tools of China Construction Bank, fully meeting the diversified financing needs of enterprises. Through the dual drive of capital market reform and capital innovation, a financing chain covering the entire life cycle of enterprises has been constructed, providing solid financial support for the development of enterprises.

Financing risk control is a compulsory course for enterprises. "Lawyer Fan Hui from Guohao Law Firm has built a comprehensive financing risk control system for enterprises from key dimensions such as compliance infrastructure, risk warning mechanisms, and crisis response plans through typical case warnings. At the same time, he also deeply analyzed the risks that technical characteristics may cause, helping enterprises establish a solid compliance firewall, effectively avoiding legal risks, and safeguarding the security of enterprise funds.

（3） Significant achievements have been made in the integration of production and demand, and a long-term service platform has been established

In the experience exchange session, representatives from participating companies were enthusiastic and raised numerous practical questions, engaging in lively and in-depth discussions with experts. The heads of various companies unreservedly elaborated on the various problems encountered by enterprises in the financing process, while investment banking experts patiently provided one-on-one answers. They also adjusted their financing plans based on the characteristics and needs of the enterprise, reached preliminary cooperation intentions on site, and established a long-term communication platform to comprehensively solve the financing difficulties of technology-based small and medium-sized enterprises.

As an important practice of the reform and construction of science and technology innovation finance, this salon marks a new stage of precision and specialization in financing services for technology-based small and medium-sized enterprises. Looking ahead to the future, the Xi'an High tech Enterprise Association and the Xi'an Listed Enterprise Association will fully collaborate and continue to deepen industry finance cooperation. Through innovative measures such as building a digital financing docking platform and establishing expert think tanks, they will help more technology companies enter the fast lane of development and move forward towards a more brilliant future.