广东多家银行推出"词元贷"创新金融产品，改变了传统科技企业融资模式。1广州腾元数字科技获得首笔300万元3年期信用贷款，成为广东该产品的首个受益者。1这一创新以AI企业日常算力消耗等数字化指标作为授信依据，用"算力账单"替代传统固定资产抵押，为轻资产科技企业解决融资难问题。1
目前，中国银行、建设银行、工商银行等多家银行已推出相关产品。1其中，中国银行广州海珠支行"词元贷"授信总额已达2800万元。1建设银行广东省分行为广州南沙一家智能物联网企业批复3000万元信用贷款，工商银行深圳龙岗支行为爱智慧科技核定500万元信用贷款额度。1单户最高授信可达3000万元，流动资金贷款期限最长3年。1
词元调用量的增长反映了相关需求的快速扩大。12024年初日均词元调用量为1000亿，至2025年底跃升至100万亿，到2026年3月已突破140万亿。1为防范数据造假风险，银行建立了"合同+词元调用数据+交易流水"的多维交叉验证机制。1尽管该创新仍在探索阶段，但完善词元计费标准和第三方审计体系成为下一步发展方向。1
Guangdong has pioneered a novel financing approach called "token loans" that uses artificial intelligence companies' daily computing consumption and other digitalized metrics as the basis for credit decisions 1. Rather than relying on traditional fixed asset collateral, banks now leverage computing power billing statements to address financing challenges faced by asset-light technology enterprises 1.
Guangzhou Tengyuan Digital Technology became the recipient of Guangdong's first token loan, securing a 3-million-yuan three-year credit facility 1. Multiple major financial institutions have since introduced related products: the Bank of China's Guangzhou Haizhu branch has extended total token loan credit of 28 million yuan 1, the China Construction Bank's Guangdong provincial branch approved a 30-million-yuan credit facility for an intelligent Internet of Things company in Guangzhou Nansha 1, and the Industrial and Commercial Bank of China's Shenzhen Longgang branch allocated a 5-million-yuan credit quota for Aizhi Technology 1. Maximum credit per borrower reaches 30 million yuan, with working capital loans available for up to three years 1.
To mitigate fraud risks associated with computing data, banks have established a multi-dimensional cross-verification mechanism incorporating contracts, token usage records, and transaction flows 1. Daily token invocations surged from 100 billion in early 2024 to 1 trillion by the end of 2025, reaching over 1.4 trillion by March 2026 1. Despite its promise, the innovation remains in exploratory stages and requires refinement of token pricing standards and establishment of third-party audit systems 1.
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