（来源：辽宁日报） 转自：辽宁日报 2025年7月，锦州中院联合锦州金融监管分局共同举办"两状"示范文本推广应用培训会，提升金融类案件诉讼文书质量，减轻当事人诉累。本版图片由辽宁 省高级人民法院提供 沈阳金融法庭"全国投资者保护宣传日"活动暨示范庭审现场。 2025年9月，辽河人民法院执行局法官在某公司查封设备。图为法官李大海检查设备情况。 2025年4月，沈阳知识产权法庭法官到高新技术企业调研，围绕企业在生产经营、技术研发中遇到的法律问题，提供"滴灌式"精准法治服务，以司法之力护 航创新发展。 本报记者 黄岩 核心提示 优化营商环境，关乎辽宁全面振兴新突破的发展全局，牵动千家万户的民生福祉。让一流营商环境成为辽宁振兴的最强支撑、最大优势、最亮标识，是全省 上下的共同目标。 2025 年，全省法院锚定这一目标，牢固树立"人人都是营商环境，案案关系营商环境"理念，统筹推进规范涉企执法司法专项行动与优化法治化营商环境专 项行动。从深入实施涉企案件生产经营影响评估制度、依法维护公平公正市场秩序，到强化知识产权司法保护、持续优化高效便捷诉讼服务，一系列务实举 措落地见效，为辽宁营商环境建设注入司法动能。 "经济发展到 ...

Core Viewpoint - The article highlights the challenges faced by technology-oriented small and micro enterprises in securing funding due to their asset-light nature, lack of collateral, and long R&D cycles. It emphasizes the role of SPDB Changchun Branch in providing financial support through its "Puxin Loan" product, which facilitates seamless loan renewals to sustain innovation in these companies [1][2]. Group 1: Challenges Faced by Technology Enterprises - Technology-oriented small and micro enterprises often experience funding pressure during loan renewals due to characteristics such as being asset-light, lacking collateral, and having long R&D cycles [1]. - A specific case is presented where a high-tech company in Jilin Province, recognized as a specialized and innovative small and medium-sized enterprise, faced difficulties in repaying a loan while needing funds for R&D and production upgrades [1]. Group 2: SPDB Changchun Branch's Solutions - SPDB Changchun Branch focuses on the full lifecycle needs of technology enterprises, utilizing the "Puxin Loan" product to support these companies through a no-repayment renewal mechanism [1]. - The bank's team assessed the company's patent value, R&D investment, and market orders to facilitate a loan renewal of 10 million yuan within three working days, without requiring additional collateral [1]. Group 3: Future Plans - The bank plans to continue implementing inclusive finance policies and establish clear standards for technology loan renewals, ensuring that technology enterprises can secure financing effectively [2].