金融之水精准滴灌 激活科创企业新动能

Group 1 - The recent Central Economic Work Conference emphasized the need for financial institutions to support key areas such as expanding domestic demand, technological innovation, and small and micro enterprises [1] - Sci-tech enterprises are identified as crucial for industrial upgrading and achieving high-level technological self-reliance, necessitating precise financial support due to their high investment, high risk, and high growth characteristics [1] - A combination of policies from central to local levels has been implemented to address the financing difficulties faced by sci-tech enterprises, with financial institutions moving away from traditional real estate collateral to focus on the core value of enterprises [1] Group 2 - Innovative financial products such as "intellectual property pledge loans" and "specialized and innovative loans" are emerging, providing more flexible and adaptive financial supply to empower sci-tech enterprises [1] - Local governments are actively participating by using various market-oriented methods such as fiscal interest subsidies, risk compensation, and government financing guarantees to share risks with financial institutions and enhance their confidence [1] - Insurance institutions are also taking action to support the development of sci-tech enterprises, exemplified by the launch of the "Zhe Ke Bao" service model by PICC to facilitate the transformation of technological achievements in Zhejiang [2]