近日召开的中央经济工作会议明确指出要“围绕发展新质生产力，推动科技创新和产业创新深度融合”，《中国日报》记者跟随中国银行业协会来到浙江省，对进出口银行支持小微企业发展，培育新质生产力等情况进行走访调研。报道内容如下： 

　　As China prepares its 15th Five-Year Plan (2026-30), policymakers have underscored the importance of pursuing high-quality development, advancing new quality productive forces in line with local conditions and accelerating the cultivation of new growth drivers to upgrade the economic structure. 

　　At the annual Central Economic Work Conference in Beijing from Wednesday to Thursday, it was noted that China will guide financial institutions to scale up support for domestic demand expansion, sci-tech innovation, micro, small and medium enterprises, and other key areas. 

　　In Zhejiang province, local financial regulators have made nurturing these new quality productive forces a top priority, encouraging the banking sector to strengthen financial support for innovation-led growth. 

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　　Zhejiang Desman Intelligent Technology Co Ltd, a leading manufacturer of high-end smart door locks, has obtained more than 200 authorized patents and 264 registered trademarks. From 2021 to 2023, its high-end products ranked first globally in both sales and market share. 

　　During a key expansion phase in 2024, Desman faced limited credit and high financing costs due to a lack of collateral, which hampered funding efficiency and squeezed profits under traditional financing models. The Export-Import Bank of China Zhejiang branch stepped in with a loan secured by three core patents, breaking the financing barrier and speeding up approvals. The move also prompted other lenders to follow suit, lowering the company's overall financing costs. 

　　In the first six months, Desman's operating revenue doubled year-on-year, while its cross-border business recorded a significant month-on-month compound growth rate. 

　　Lu Meihua, deputy general manager of China Eximbank's Zhejiang branch, explained the bank's selection criteria for tech company clients. "We look at the entrepreneur and team, the industry's potential and the business model." 

　　Desman's founder is an entrepreneur with proven success. The smart lock industry serves millions of households and has huge growth potential. The company emphasizes long-term value and conducts 60 percent of its sales through online platforms like Tmall, JD and Douyin, minimizing receivables and protecting loan safety, Lu said. 

　　"For banks, it's important to build relationships before a company becomes successful, not after," he added. 

　　As of the end of September, China Eximbank's Zhejiang branch had an outstanding loan balance of nearly 2 billion yuan for specialized, refined, distinctive and innovative "little giant" enterprises