Bank of Beijing City Sub-Center Branch focuses on biomedicine related fields，Combined with the development characteristics of the industry, the practical exploration of key areas of financial services is carried out，Innovative launch of "e medicine loan" special products，Introduce the "financial + non-financial" scoring card model，Create a "start-up - growth - mature" hierarchical support model，Cover the whole life cycle of enterprise growth，We will optimize the approval mode for enterprise credit，A multi-gradient cultivation mechanism was formed，We will further increase credit support for the biomedical industry。
      Activity exchange:
      1, carry out the "financial energy, new medicine" biomedical industry integration and development matchmaking activities。Nearly 30 pharmaceutical industry enterprises were organized by the city sub-central branch of the Bank of Beijing to focus on the introduction of the Bank of Beijing's "e-medicine loan" products, and the participating enterprises showed high interest and exchanges。

      2. On August 4, Yin Shi, president of Beichen Road, Bank of Beijing, and his delegation visited Beijing Pharmaceutical Industry Association, conducted business exchanges with Secretary-General Sun Xiaojing, and deeply discussed the cooperation model between Bank of Beijing and Pharmaceutical Association。
Beijing Medical Association was established in 2001, with about 400 members, including pharmaceutical, medical device industrial and commercial enterprises, research institutes, universities and other units。There are six chapters: Important, Chemical Pharmaceutical, biopharmaceutical, Medical devices, Pharmaceutical business, and apis。

      Service program:
       For biomedicine related industries, the branch has formed a multi-linkage service model of government departments, industry associations, industrial parks and venture capital institutions。

       Actively promote all-round and comprehensive cooperation, and form a normal service mechanism through strategic cooperation signing, financing activities salon, list visit marketing, and comprehensive service plan。Branch linkage to establish a special service team，Conduct field visits and business promotion for participating enterprises one by one，And form a normal service mechanism of "monthly recommendation and regular discussion"，Classification, point-to-point "one-stop" to solve the needs of corporate financial services，Corporate, retail, financial market multi-line collaboration，Give full play to the advantages of characteristic financial services，Continue to innovate and upgrade the system of scientific and technological financial products，Make every effort to build the financial ecosystem of biomedical enterprises。

       As of the end of April, the city sub-central branch granted credit to 53 customers in the biomedical industry.$800 million, balance of 6.1.5 billion yuan, with rich experience in credit financing in the biomedical industry。

Business Case:
       ** Pharmaceutical Co., Ltd. is a modern pharmaceutical enterprise integrating research and development, production and sales of innovative drugs。After the development in recent years, the company has successively obtained a number of clinical approvals of self-developed drugs issued by the State Food and Drug Administration. The company's products are suitable for a wide range of people and have huge market prospects。

       The company's main capital investment mainly has four aspects:

       First, fixed expenses such as personnel salaries, rent, social security, and provident funds;

       Second, investment in research and development of new drug preparations;

       Third, the purchase of raw materials;

       The fourth is the marketing cost of product promotion。

       With the continuous improvement of the company's operation scale in recent years, the demand for funds is also expanding, and in early 2023, the Bank of Beijing proposed to increase the demand for working capital loan support。

       According to the company's business and financial situation in previous years，And the status of new contracts，Combined with the company's demand for loan quotas and business types，The Bank of Beijing uses E-Yaodai, a customized product for companies in the pharmaceutical industry，docking，And finally approved 30 million yuan，Business types include: working capital loans, bank acceptance bills, letters of credit，The form of guarantee is credit，It is used to supplement the company's working capital, pay for procurement, marketing expenses, personnel salaries, social security, provident fund, etc。

       The successful issuance of this credit loan effectively solved the company's tight financial situation and laid a strong foundation for the future business development of the enterprise。

       "e Medicine Loan" product introduction:

       Product support objects: innovative scientific and technological enterprises in the biomedical industry and its cross-industry, which are used to meet the capital needs of enterprises in the production and operation process and project financing credit products。
       Guarantee method: mainly credit guarantee, support guarantee company guarantee, real estate mortgage, personal or affiliated company guarantee guarantee, equity pledge and other guarantee methods。

       Business types: working capital loans, fixed assets loans, bank acceptance bills, guarantees, letters of credit and other business types。
       Loan amount: The loan amount is determined comprehensively according to the operating conditions of the enterprise and the fund gap, up to 50 million yuan。
       1, start-up enterprises, the limit of 10 million yuan
       2, growth enterprises, the limit of 30 million yuan
       3, mature enterprises, the limit of 50 million yuan