中国人民银行青岛市分行：首创科技金融投（保）贷融资模式，助力全省科技创新高质量发展

Core Viewpoint - The Qingdao branch of the People's Bank of China has innovatively launched a technology finance investment (guarantee) loan financing model to address the financing difficulties faced by technology-based small and medium-sized enterprises (SMEs) and to promote high-quality development in this sector [1][3][6]. Group 1: Financing Innovation - The Qingdao branch has focused on breaking through the financing bottlenecks for technology SMEs by introducing a model that integrates investment, guarantee, and loan services, thus facilitating both direct and indirect financing channels [1][3]. - The innovative financing model has been recognized as a typical case of financial service innovation, showcasing its effectiveness in supporting the growth of technology enterprises [1][3]. Group 2: Policy Optimization - The Qingdao branch has collaborated with various departments to enhance policy mechanisms, evolving from a basic investment and loan model to a more comprehensive "4.0 version" that includes multiple financing modes and fiscal support [4][5]. - The branch has conducted outreach activities to promote understanding of support policies among over 300 technology enterprises and partner organizations [4]. Group 3: Risk Management and Resource Sharing - The financing model has created a collaborative platform for investment institutions, guarantee agencies, insurance companies, banks, and technology enterprises, promoting resource sharing and complementary advantages [6]. - As of May 2025, the model has successfully provided loans totaling 5.89 billion yuan to 1,188 technology enterprises, significantly alleviating financing challenges [6]. Group 4: Future Directions - The Qingdao branch plans to continue implementing innovative strategies to build a comprehensive technology finance service system that supports the entire lifecycle of enterprises, contributing to the province's technological innovation and development [7].