【头条评论】 优化综合金融服务体系 助力新型工业化

Core Viewpoint - New industrialization is the core engine for advancing Chinese-style modernization, characterized by high-end, intelligent, and green development, which creates diverse and systematic new demands for financial services [1] Group 1: Policy and Regulatory Framework - The National Financial Supervision Administration and other departments issued a notice in April 2024 to enhance financial services for the manufacturing sector, emphasizing the need for separate credit plans and increasing the proportion of medium- and long-term loans [1] - In August 2025, the People's Bank of China and seven other departments released guidelines to create a financial tool system that integrates loans, bonds, equity, and insurance to support the transformation of technological achievements [1] Group 2: Current Banking Service System - The banking service system has begun to form a multi-dimensional support structure, with leading banks developing unique service models that integrate domestic and international resources [2] - New financial products such as intellectual property pledge loans and insurance for first-time equipment are emerging to address financing challenges faced by technology enterprises [2] Group 3: Challenges in Financial Services - There are significant structural adaptation challenges, including an imbalance in resource allocation and insufficient long-term funding for traditional manufacturing upgrades and emerging industries [2] - The risk-return matching mechanism is not well established, leading to banks' reluctance to lend due to the high-risk nature of technology research and development [2] - Digital service capabilities lag behind industry needs, resulting in inadequate assessment of enterprise technology value [2] Group 4: Recommendations for Optimization - To optimize the banking service system, there should be a focus on aligning with the core demands of new industrialization, enhancing policy guidance, and combining market mechanisms [3] - Banks should innovate product and service models, providing tailored financial services throughout the lifecycle of technology enterprises [3] - Digital transformation and risk management upgrades are essential for sustainable development, requiring the establishment of new assessment systems based on technology and team capabilities [3] Group 5: Collaborative Ecosystem - Banks should actively engage with national industrial funds and innovation platforms to build an ecosystem that supports the financial chain of technology achievement transformation [4] - Regulatory bodies need to implement a due diligence exemption system and optimize the process for handling non-performing loans to alleviate banks' concerns regarding credit investments [4] Group 6: Future Outlook - The deepening of new industrialization presents a historical opportunity for banks to transform, while optimizing the banking service system is crucial for industrial upgrading [5] - A well-integrated financial supply side reform will enhance the precision of resource allocation, adaptability of products and services, and effectiveness of risk management, ultimately driving the development of high-end, intelligent, and green manufacturing [5]