In early summer in Shanghai, the wave of scientific and technological innovation is surging, and Internet of Things and artificial intelligence technologies are accelerating into thousands of households.
On the whole-house intelligence track, UIOT Super Smart Home (Shanghai) Internet of Things Technology Co., Ltd. is the benchmark scientific and technological leader in China that has been deeply involved in whole-house intelligence for more than ten years.
As an industry-recognized expert in high-end whole-house intelligent systems, it holds more than 480 independent intellectual property rights, serves more than 4.3 million households, and has implemented more than 300 smart real estate projects. It has been among the top 500 real estate companies for many years in a row and is a typical technological innovation example of Shanghai’s local new productivity.
The company has focused on the research and development, intelligent manufacturing and implementation of whole-house intelligent overall solutions for many years.
Relying on cutting-edge IoT sensing technology, independent AI algorithms and big data analysis capabilities, it has built a full-scenario smart home ecosystem covering intelligent security, whole-house lighting, home appliance linkage, and indoor environment monitoring, creating a safe, convenient, and efficient digital living experience for thousands of families.
With continuous technological breakthroughs and mature implementation results, the company has accumulated a deep reputation in the field of smart home IoT.
However, smart home is a technology-intensive long-cycle industry. Continuous technology iteration, new product development and market expansion require a large amount of financial support.
Like many technological innovation companies, UIOT also faces the problems of light assets, a high proportion of intangible assets, and a lack of traditional collateral. The pressure on capital turnover during the process of R&D and production expansion once became an obstacle to the steady development of the company.
In order to solve the development pain points of scientific and technological innovation enterprises, the Shanghai Branch of the Agricultural Bank of China has deeply cultivated the field of scientific and technological finance and fully assisted the development of new productivity.
It launched an “exclusive credit service system for technology-based enterprises” and innovatively established differentiated access standards based on equity investment situations.
Implement exclusive access rules for technology companies with strategic investment by private equity institutions in the “List of Private Equity Fund Managers of Technology Enterprises” and with institutional shareholding ratios of 1% and above.
Qualified companies can be directly identified as customers of supporting technology companies, eliminating the cumbersome step of item-by-item calculation and multi-link rating in the traditional science and technology enterprise rating table.
At the same time, it breaks the traditional credit model that “emphasizes physical mortgages and neglects the value of scientific and technological innovation”. Without the need for collateral such as factories and real estate, it can match the full-cycle capital needs of scientific and technological innovation enterprises such as R&D investment, production capacity expansion, and market layout, effectively solving the problems of difficult identification, access, and financing difficulties for scientific and technological innovation enterprises.
Relying on this innovative financial mechanism, the Shanghai Demonstration Zone Branch of the Agricultural Bank of China proactively contacted enterprises to fully understand the funding gaps for enterprise R&D upgrades and market expansion, and successfully issued a 10 million yuan loan to the enterprise.
Ye Long, the person in charge of the company, said sincerely: “Thank you so much to the Agricultural Bank of China. This is a timely rain for us, which allows us to carry out technology upgrading and research and development!”
With the help of finance, the company has effectively revitalized production capacity and made up for the project operating capital gap.
Through the complete installation of standardized intelligent systems and the batch implementation of whole-house intelligent equipment, we help newly-built properties achieve digital and intelligent upgrading of living scenes, and continue to empower the construction of smart residences with technological innovation.
In the future, Agricultural Bank of China Shanghai Branch will continue to delve into the core track of science and technology finance, iteratively optimize the exclusive financial products and differentiated tiered access for science and technology innovation enterprises, continue to increase the precise empowerment of cutting-edge science and technology entities such as the Internet of Things, artificial intelligence, and digital technology, promote the deep integration of financial resources with technological innovation and industrial upgrading, and use the financial strength of the state-owned bank to write practical answers to serve the country of science and technology and develop new productivity.
