破局“首公里” 金融陪伴企业跑赢科创“马拉松”

Core Viewpoint - The recent Central Economic Work Conference emphasizes the integration of technological and industrial innovation to develop new productive forces, highlighting the role of financial services in supporting the entire lifecycle of technological innovation [1] Group 1: Challenges in Financing Technology Startups - Technology innovation is characterized as a high-investment, long-cycle "marathon," with the most challenging phase often being the initial stage where startups face difficulties in obtaining loans due to lack of revenue and collateral [2] - Shenzhen Guarantee Group has introduced the "Crossing Loan" program to address the financing challenges faced by startups, providing 4 million yuan in initial loan support to a technology company focused on AI-driven manufacturing systems [2] Group 2: Credit and Financing Solutions - The People's Bank of China in Shenzhen is promoting collaboration among local credit platforms, government financing guarantee institutions, and banks to provide credit scoring and guarantee services for "no-loan" technology enterprises, resulting in 2 billion yuan in loans approved for 69 companies through the "Crossing Loan" program [3] - The "Technology Startup Pass" initiative offers a digital credit solution for early-stage tech companies, utilizing public and industry data to create comprehensive credit scores and reports, helping over 5,000 companies secure 8 billion yuan in loans [3] Group 3: Investment and Support for Technological Development - Shenzhen Zhujidongli Technology Co., known for its humanoid robots, has attracted investment from Dongfang Fuhai, which issued a 400 million yuan technology innovation bond to support hard tech sectors like AI and semiconductors [4] - Guangdong Blue Potential Marine Technology Co. has developed underwater robots and received nearly 20 million yuan in integrated financing support through a collaborative model involving equity investment and credit loans, aiding in their production expansion [6][7] Group 4: Cross-Border Financial Innovations - The "Kehui Tong" pilot program facilitates cross-border flow of innovation elements between Shenzhen and Hong Kong, with over 77 million yuan in research funds successfully transferred to research institutions in the Qianhai Shenzhen-Hong Kong Cooperation Zone [8][9] - Financial institutions are expanding their services to include high-end research talent and providing comprehensive financial services to core research institutions and scientists in the cooperation zone [9]