Bank of Shanghai granted NaoHai AI a 3 million yuan startup guarantee loan and jointly released the content project matching platform "PaiDan NOW"

Can a person, in an office building in Shanghai, on a beach in Hainan, or even in a café in Lhasa, take on commercial orders from all over the country based on AI content creation capabilities? And as orders increase, can real income and performance records become a new basis for financial institutions to understand their business capabilities? On the afternoon of October 23, Bank of Shanghai (601229.SH), together with Naohai AI, held the "Financial Support for Entrepreneurship, Orders Alongside" content OPC entrepreneurship themed event at "Audio-Visual Jingjie · π Space" in Jing'an, attempting to provide answers to these questions. Previously, the Jing'an Branch of Bank of Shanghai had issued a 3 million yuan entrepreneurship guarantee loan to Shanghai Yiqi Naohai Artificial Intelligence Technology Co., Ltd. (hereinafter referred to as "Naohai AI"). At the event, the two parties signed a framework cooperation agreement, agreeing to carry out business cooperation around AI video production and AI content co-creation. Naohai AI and Audio-Visual Jingjie also jointly released the content project matching platform "Paidan NOW". From a single loan, to a series of orders, and then to a credit record that can accumulate, the "Shanghai model" of content OPC entrepreneurship driven by real orders is taking its first steps in Jing'an. Beyond loans, there are also orders. As AI video production accelerates, a group of asset-light content enterprises and OPC entrepreneurs are emerging. Their means of production are not factories and equipment, but creative capabilities, AI tools, and computing power. Being asset-light does not mean there is no need for funds: AI content production requires upfront payment for computing power, labor, and outsourcing costs, while customer settlement and platform payments have payment cycles. The faster the business grows, the more obvious the funding turnover gap becomes. The Jing'an Branch of Bank of Shanghai studied Naohai's upstream and downstream production contracts, project settlement methods, and cash flow situation, and issued a 3 million yuan entrepreneurship guarantee loan through the government-bank-guarantee cooperation mechanism. According to the city's entrepreneurship guarantee loan policy, this loan is exempt from guarantee fees, and after repaying the loan principal and interest on schedule, the enterprise can also apply for fiscal interest subsidies according to regulations. The signed framework cooperation agreement has pushed the cooperation one step further: the Jing'an Branch of Bank of Shanghai can, based on actual needs such as brand communication, event promotion, and product introduction, carry out AI video production and AI content co-creation with Naohai, and pension finance will also become one of the scenarios the two parties explore. This means that the bank is not only a funder, but also a client. Funds help the enterprise build production capacity, while real orders help the enterprise turn production capacity into income. A "chain leader" enterprise. OPC (One Person Company) is often called a "one-person company." With the popularization of AI tools, individual creators and small studios can already complete content production that previously required team collaboration. But new problems have followed: enterprises and brands want to use AIGC to produce advertisements and promotional videos, but they do not understand the technology and do not know how to choose teams, control costs, and ensure delivery; on the other hand, young creators have AI production capabilities but cannot find customers and lack business experience. Wang Ting, founder and director of Naohai AI, said that what Naohai AI wants to be is the organizer in the middle. Facing enterprises' content needs, it is responsible for creative planning and demand breakdown, matching suitable AI directors and creative teams, and then using its self-developed content production workflow to organize production, control quality, and complete delivery. This team, which started with three people, has now formed a production capacity of 25 high-quality AI micro-short dramas per month, with cumulative views of its works exceeding 1 billion, and many of them have entered the North American and Japanese markets. The enterprise has trained more than 350 creators in total, and more than 200 have entered jobs, projects, and entrepreneurial practice. Creators have earned more than 1 million yuan in cumulative income through platform projects. In 2026, Naohai won the second prize in the "Vocational Skills + Entrepreneurship" track of the national competition of the "Create and Win the Future" entrepreneurship competition. Let orders cross mountains and seas. At the event, Naohai AI and Audio-Visual Jingjie jointly released "Paidan NOW." One end of the platform connects to the AIGC content production needs of enterprises and brands, and the other end connects to content OPC creators with professional skills, providing demand publishing, project matching, production collaboration, and delivery management. Naohai founder Wang Ting, Daning Group Deputy General Manager Lu Jiajie, and OPC entrepreneurship representatives Fang Yuandun, Zhao Yingxue, and Li Jinyang jointly launched the platform release. According to Naohai's vision, even if a creator lives by the beach in Hainan or works in a café on Barkhor Street in Lhasa, as long as they have professional capabilities, they can undertake commercial projects from all over the country. What the platform wants to do is not just information matching: for clients, it must undertake demand communication, team matching, and delivery assurance; for creators, it must provide a standardized project collaboration mechanism and help them accumulate performance records recognized by the market. Letting orders find creators and turning creative labor into income is the first problem the platform needs to solve. A foundation accumulated over 26 years. Behind this cooperation is Bank of Shanghai's 26 years of accumulation in policy-based entrepreneurship finance. In 2000, Bank of Shanghai exclusively carried out small guaranteed loans with the Municipal Human Resources and Social Security Bureau, making it the first bank in Shanghai to lay out policy-based entrepreneurship finance. Over the following more than 20 years, it was the first to connect with the Municipal Employment Promotion Center and the Municipal Financing Guarantee Center, the first batch to sign a tripartite cooperation agreement, the first batch to pilot "entrepreneurship guarantee batch loans," the first to implement online batch filing, and in 2026 it fully upgraded its online signing and lending function. Chen Lijun, Assistant General Manager of the Inclusive Finance Business Department of Bank of Shanghai, introduced at the event that as of now, the bank's entrepreneurship guarantee business has cumulatively disbursed more than 5.7 billion yuan, with a balance of 1.1 billion yuan, and more than 900 million yuan disbursed this year alone; it has served more than 25,000 entrepreneurs and enterprise entities in total, directly driving support for more than 40,000 jobs, and its business scale ranks firmly second among peers in the city. Behind the numbers is the acceleration of processes. Relying on the "guarantee upon loan approval" batch filing model, the bank independently approves and disburses loans, and the municipal guarantee center files them in real time. The processing cycle has been shortened from nearly 30 days in the past to as fast as 7 working days, with funds arriving in as little as half a day. Costs are also falling: for a two-year 3 million yuan loan at an interest rate of 3%, the enterprise's total interest comes to 180,000 yuan; after a 50% fiscal interest subsidy, it pays 90,000 yuan, and with guarantee fees fully waived, it can save a cumulative 120,000 yuan in financing costs. The Jing'an Branch is a microcosm of this system. The branch has set up 10 dedicated teams; since the start of this year, it has disbursed 72 million yuan in entrepreneurship guarantee business, a record high, with its balance doubling and more than 60 clients served in total. From orders to credit With support from human resources and social security departments, Naohai developed the "Malanshan" boutique course on OPC content entrepreneurship in the AI era, linking entrepreneurship training with hands-on AI tool practice and project practice; Daning Group's "Audiovisual Jingjie · π Space" provides space and resources for AI content companies and young creators. Around a single chain-leader enterprise, training, space, finance and orders each fall into place, and a content OPC entrepreneurship support system built on real projects has begun to take shape. The further-reaching vision lies in data. As more and more content OPCs take orders, deliver and receive payment through the platform, these real business records—provided lawful authorization is obtained, data security is ensured and authenticity verification is completed—are expected to become a supplementary basis for banks' credit assessment and financing services. Both Naohai AI and Bank of Shanghai said they will explore more convenient online financing services on the basis of meeting independent risk control and credit approval requirements.