金融活水浇灌科技之花 贷款供给更有耐心

Core Viewpoint - The enhancement of self-reliance and strength in technology is a major goal for economic and social development during the "14th Five-Year Plan" period, with a focus on financial support for building a strong technological nation [1] Group 1: Financial Support for Technology Enterprises - The "Zhe Ke United Loan" service model was introduced to address the financing needs of technology enterprises, providing tailored services for startups, growth, and mature stages [2][3] - The model allows multiple banks to jointly provide credit, mitigating risks and enhancing the sustainability of technology finance [3] - As of now, 27 banks in Zhejiang have participated in the "Zhe Ke United Loan," issuing loans totaling 10.87 billion yuan to 197 enterprises [4] Group 2: Digital Credit and Financial Services - Suzhou has developed a comprehensive financial service system for small and medium-sized technology enterprises, including a digital credit foundation and various financial products [5][6] - The "Science and Technology Innovation Score" model helps financial institutions assess the operational status of innovative enterprises, leading to customized financial services [6] - By October 2025, Suzhou aims to provide nearly 700 billion yuan in financing support to 13,800 technology SMEs through this system [6] Group 3: Support for Biomedicine Sector - The Nanjing Biomedicine Regional Technology Transfer Center has created a financial support system for technology transfer, addressing challenges faced by early-stage projects [8] - The "Technology Achievement Transformation Loan" is designed to support the commercialization of research outcomes from universities, offering favorable terms to reduce financing barriers [9] - As of the third quarter of this year, Jiangsu has provided 4.94 billion yuan in intellectual property pledge financing and 3.87 billion yuan in investment-loan linkage loans, with significant year-on-year growth [9]