● 本报记者 彭扬 "一路走来很不容易，但一路走来却很有意义。"这是中国证券报记者近日赴安徽、江苏、浙江等地调研 时，众多科创企业谈及成长历程时的共同感慨。 科创企业作为最具活力、潜力与成长性的创新群体，从萌芽到壮大的每一步都离不开金融"活水"的精准 灌溉。然而，科创企业往往具有轻资产、研发周期长、风险系数高等特质，在不同成长阶段金融需求有 较大区别，需要全生命周期金融服务。 记者调研发现，各地正通过政策协同赋能与金融机构产品服务创新形成合力，一套"精准滴灌"和"全周 期陪伴"的科技金融服务体系正加速构建，为银企携手共绘高质量发展新图景奠定坚实基础。 打破传统信贷思维 走进康霖生物科技（杭州）有限公司的新药研发中心，科研人员正专注地操作精密仪器，逐行记录着实 验数据。与研发中心紧密相连的生产基地内，4条细胞生产线整齐排布。满负荷运转状态下，可实现300 人份/年的细胞注射液的生产。 成立于2015年的康霖生物，作为国内最早一批从事创新基因治疗的企业之一，在企业初创时期面临的困 境极具行业代表性。 康霖生物是目前国际上罕见的同时拥有三大技术平台的基因治疗企业，也是地中海贫血创新基因治疗领 域的领军企业，率先攻克 ...

证券日报网讯 12月18日晚间，亿纬锂能发布公告称，控股股东西藏亿纬控股有限公司将其所持有的公 司470万股股份质押给浙商银行股份有限公司惠州分行，占其所持股份比例0.72%，占公司总股本比例 0.23%，质押用途为偿还债务。 （编辑 丛可心） ...

Core Viewpoint - The issuance of technology innovation bonds (科创债) by banks has significantly increased, with a total issuance scale reaching 301.4 billion yuan as of December 18, indicating a strong market response to the regulatory support initiated in May 2023 [3][14]. Issuance Scale - A total of 67 banks have issued 75 technology innovation bonds, with the largest share coming from state-owned banks, which account for 38.16% of the total issuance [3][15]. - The six major state-owned banks have collectively issued bonds worth 115 billion yuan, while city commercial banks and rural commercial banks have also become significant players, with issuance scales of 74.9 billion yuan and 15 billion yuan respectively [4][17]. Interest Rates - The interest rates for technology innovation bonds vary, with state-owned banks offering rates between 1.65% and 1.81%, while city and rural commercial banks have higher rates ranging from 1.67% to 2.07% [7][21]. - Notably, some city and rural commercial banks have rates exceeding 1.8%, indicating a competitive pricing environment [3][18]. Maturity Periods - The majority of the issued bonds have a maturity period concentrated around 5 years, which accounts for over 70% of the total, followed by 3-year bonds at over 20% [11][22]. - This maturity structure is designed to meet the medium to long-term funding needs of technology enterprises for research and development, as well as for project implementation [22]. Funding Allocation - The funds raised through these bonds are primarily directed towards technology innovation sectors, including the issuance of loans for technology projects and investments in innovative enterprises [6][17].

Core Viewpoint - The series of interviews titled "Xinhua Finance Looks at Hunan: Dialogue with Hunan Bankers" aims to showcase the unique paths and solid achievements of Hunan's financial industry in serving the real economy, with a focus on the role of financial institutions in supporting technological innovation and modern industrial system construction in Hunan [1]. Group 1 - The Zheshang Bank Changsha Branch emphasizes its commitment to being a "true companion" for technology enterprises in Hunan, translating the head office's strategy into localized practices [1]. - A key aspect of this localized service capability is the development of an understanding of the language and needs of Hunan's technology innovation enterprises [1]. Group 2 - The "Talent Bank" brand created by Zheshang Bank Changsha Branch addresses the common challenges faced by technology enterprises, particularly those with technology but lacking collateral [2]. - The "Talent Bank" first resolves the "valuation" issue by converting soft assets like talent identity and patent value into assessable hard currency [2]. - It also addresses the "access" issue by allowing top talent to secure up to 30 million yuan in credit loans based on talent certifications and other materials [2]. - Furthermore, the "Talent Bank" provides customized products such as "Talent Support Loans" and "Talent Growth Loans" to support enterprises at different stages of their lifecycle, ensuring comprehensive support [2]. - The bank aims to continue focusing on the entire lifecycle of technology enterprises, refining its product system, and striving to be a "booster" and "stabilizer" for technological innovation while achieving high-quality development [2].

随着企业业务规模扩大，在推广智慧养老方案、拓展全国服务网络及布局海外市场的过程中，亟需跨境 资金结算、流动性支持等一体化金融服务。浙商银行上海分行一方面持续深化合作，组建专项服务团 队，摒弃传统信贷评估中"重资产、轻价值"的惯性思维，将企业科技研发能力、数字化服务成效、行业 示范价值作为核心评估维度，高效完成3000万元流动支持类授信审批，为企业后续发展储备充足金 融"活水"；另一方面，针对该企业业务布局中的跨境资金需求，充分发挥自身深耕跨境金融领域的经验 优势，依托成熟的境外货币结汇服务体系，为企业提供高效、安全的境内外一体化资金管理方案，满足 企业海外市场布局的核心需求。 伴随人口老龄化加速，银发经济已成为连接民生与产业的战略纽带。传统养老模式面临服务供给不均、 精准度不足、隐私保护难等痛点，科技与养老的深度融合成为破局关键。浙商银行上海分行主动锚定智 慧养老产业发展需求，以"养老+金融+科技"三维赋能构建特色服务体系，将专业金融服务精准注入智 慧养老产业链，以创新实践助力民生福祉提升。 某数字基建领航企业深耕智慧养老领域，以"智能硬件+数字化平台+专业服务"闭环生态为核心，融合 AI技术与算法系统，打造 ...

Core Viewpoint - Zhejiang Commercial Bank's management team has exceeded its share buyback plan, indicating confidence in the company's value and future prospects amidst challenging performance conditions [1][3]. Group 1: Management Actions - As of the previous day's close, the bank's directors and supervisors have cumulatively increased their holdings by 6.7122 million A-shares, amounting to 21.0431 million yuan, which is 105.22% of the planned minimum amount [1]. - The management team had previously announced a minimum buyback amount of 20 million yuan in early April [1]. Group 2: Financial Performance - In the first three quarters of 2023, the bank experienced a decline in revenue and profit by 6.78% and 9.59%, respectively, ranking 41st among 42 A-share banks [3]. - The bank's revenue and net profit figures from 2015 to 2018 show a trend of growth, but recent performance indicates a shift due to external pressures [4][6]. Group 3: Strategic Direction - The management has stated that the overall performance aligns with the established operational strategy of consolidating results, solidifying foundations, and optimizing structures [6]. - The new president, Chen Haiqiang, emphasized a shift away from pursuing rapid scale growth and short-term profits, focusing instead on long-term strategic decisions [6][7]. Group 4: Market Context - The bank's performance challenges are attributed to a declining net interest margin and fluctuations in the bond market, with management actively addressing these issues [6]. - Despite the bank's strategic shift, it faces intense competition from regional peers, which have shown higher growth rates in net profit [7].

近年来，浙商银行还获得多家险资的青睐。2020年底，百年人寿在场内增持4100万股浙商银行H股，持 股数量达到该行H股总数5%的举牌线，此后百年人寿又参与浙商银行的配股；2023年5月，太平人寿与 山东国信共同参与浙商银行股权拍卖，耗资近16亿元竞得其中7.09亿股，随后出资参与该行配股。 从浙商银行业绩表现来看，截至今年三季度末，该行总资产规模达3.39万亿元，较上年末增长1.91%。 经营成果方面，报告期内，该行实现营业收入489.31亿元，归属于该行股东的净利润为116.68亿元。资 产质量方面，截至今年三季度末，该行不良贷款率为1.36%，比上年末下降0.02个百分点，资产质量呈 现进一步改善。 截至12月17日午间收盘，浙商银行A股报3.05元/股，总市值为837.6亿元，年内涨幅约为9.93%。 公告显示，在增持计划实施前，浙商银行上述增持主体合计持有该行A股股份约261.2万股，占该行总股 本的0.0095%；增持计划实施后，增持主体合计持有该行A股股份升至约932.4万股，占该行总股本的 0.0339%。 今年8月，浙商银行还获得股东民生人寿保险股份有限公司（以下简称民生保险）的增持，且持股比 ...

证券代码：601916 证券简称：浙商银行 公告编号：2025-056 浙商银行股份有限公司关于董事、监事、高级管理人员等自愿增持 本公司股份计划实施完毕的公告 本公司董事会、全体董事保证本公告内容不存在任何虚假记载、误导性陈述或者重大遗漏，并对其内容 的真实性、准确性和完整性承担法律责任。 重要内容提示： 1.增持主体：本公司部分董事、监事、高级管理人员及总行部门、分行、子公司主要负责人。 2.本次增持计划实施前，增持主体合计持有本公司A股股份2,611,960股，占本公司总股本的0.0095%； 本次增持计划实施后，增持主体合计持有本公司A股股份9,324,160股，占本公司总股本的0.0339%。 浙商银行股份有限公司（以下简称"本公司"）于2025年4月9日披露了《浙商银行股份有限公司关于董 事、监事、高级管理人员等自愿增持本公司股份计划的公告》（公告编号：2025-018），本公司部分董 事、监事、高级管理人员及总行部门、分行、子公司主要负责人（以下统称为"增持主体"）自2025年4 月9日起6个月内（如期间存在N个交易日限制董事、监事、高级管理人员买卖股票，则上述期限顺延N 个交易日）拟通过上海证 ...

截至2025年12月16日，相关增持主体通过上海证券交易所系统以集中竞价交易方式累计增持本公司A股 股份671.22万股，累计增持金额2104.31万元，占本次增持股份计划金额下限的105.22%，本次增持计划 实施完毕。 浙商银行（601916）(02016)发布公告，本公司于2025年4月9日披露了《浙商银行股份有限公司关于董 事、监事、高级管理人员等自愿增持本公司股份计划的公告》(公告编号：2025-018)，本公司部分董 事、监事、高级管理人员及总行部门、分行、子公司主要负责人(以下统称为"增持主体")自2025年4月9 日起6个月内拟通过上海证券交易所交易系统集中竞价交易方式自愿增持本公司A股股份，本次增持计 划不设价格区间，合计增持金额不少于2000万元人民币。 ...

智通财经APP讯，浙商银行(02016)发布公告，本公司于2025年4月9日披露了《浙商银行股份有限公司关 于董事、监事、高级管理人员等自愿增持本公司股份计划的公告》(公告编号：2025-018)，本公司部分 董事、监事、高级管理人员及总行部门、分行、子公司主要负责人(以下统称为"增持主体")自2025年4 月9日起6个月内拟通过上海证券交易所交易系统集中竞价交易方式自愿增持本公司A股股份，本次增持 计划不设价格区间，合计增持金额不少于2000万元人民币。 截至2025年12月16日，相关增持主体通过上海证券交易所系统以集中竞价交易方式累计增持本公司A股 股份671.22万股，累计增持金额2104.31万元，占本次增持股份计划金额下限的105.22%，本次增持计划 实施完毕。 ...