温州：写好金融“五篇大文章” 驱动高质量发展

Core Viewpoint - The Central Financial Work Conference has outlined the direction for high-quality financial development in the new era, emphasizing five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance [1] Group 1: Technology Finance - Wenzhou has implemented a series of innovative practices in technology finance to support the high-quality development of the private economy, including the introduction of the "Wenzhou Private Enterprise Technology Innovation Promotion Regulations" [2] - The city has developed a technology finance service system that combines policy guidance, financial innovation, and industry collaboration, utilizing products like "Science and Technology Index Loan" to convert R&D investments into financing criteria [2] - A new service model combining "data intellectual property + finance + insurance" has been launched, allowing companies to use data intellectual property as collateral for loans [2] Group 2: Green Finance - Wenzhou has created a green finance system that integrates land and sea, focusing on developing carbon finance and climate finance products to support regional low-carbon transformation [3] - The introduction of the "climate loan" product has encouraged companies to enhance their disaster resilience and carbon efficiency, thereby improving production safety and environmental capabilities [3] - The "Wenzhou Green Heart · Ecological San Yang" project has been recognized as a demonstration project for green finance services in building a beautiful China [3] Group 3: Inclusive Finance - Wenzhou aims to enhance inclusive finance by focusing on urban and rural areas, small and micro enterprises, and agricultural services, thereby supporting common prosperity [4] - The city is improving its credit system to include more small and micro enterprises and low-income groups, ensuring timely responses to loan applications [4] - The "Skill Common Prosperity Loan" project has been developed to provide convenient and favorable financing services to rural revitalization efforts [4] Group 4: Pension Finance - Wenzhou is innovating in pension finance to support the construction of an elderly-friendly society, with government-led insurance coverage for seniors over 70 [5] - High-end medical and nursing communities have been introduced to provide comprehensive care throughout the life cycle [5] - Financial services are being upgraded to cater to elderly clients, including the provision of personalized health services and financial education [5] Group 5: Digital Finance - The city has launched the "Wenzhou Digital Finance Action Plan" to promote the digital transformation of financial institutions and enhance the value of data elements [7] - Examples of successful digital finance initiatives include the use of machine learning models to improve customer retention and the development of a "Digital Bank" by招商银行 [7] - The five areas of finance—technology, green, inclusive, pension, and digital—are interlinked and form the core pillars for empowering high-quality economic and social development [7]