“专精特新第一城”为什么是深圳？解码金融活水如何浇灌科创高地

Core Viewpoint - Shenzhen has emerged as a vibrant hub for technological innovation, supported by a comprehensive financial service system that covers the entire lifecycle of enterprises, enhancing their growth and development [1][2][13]. Group 1: Innovation and Financial Support - Shenzhen boasts an average of 12 national high-tech enterprises per square kilometer, the highest density in the country, and has nurtured over 1,300 specialized "little giant" enterprises, leading the nation in new additions for three consecutive years [1]. - The city's R&D investment accounts for 6.67% of its GDP, ranking first among major cities in China [1]. - The financial support system includes products like "Tengfei Loan" and "Technology Startup Pass," which cater to the financing needs of tech enterprises throughout their lifecycle [3][4]. Group 2: Specific Financial Products - "Tengfei Loan" has evolved to include revenue-sharing models, allowing banks to provide long-term loans to high-growth tech companies while sharing future profits, with 146 companies signing contracts totaling 8.63 billion yuan by November 2025 [3][4]. - "Technology Startup Pass" has helped 5,037 enterprises secure loans totaling 8 billion yuan by November 2025, significantly shortening the time for companies to obtain financing [4][5]. - "Crossing Loan" provides rapid financing support for growth-oriented companies lacking collateral, serving nearly 70 enterprises with a total of 200 million yuan [5]. Group 3: Ecosystem Optimization - Shenzhen is building a collaborative "technology-industry-finance" ecosystem, enhancing the "stock-loan-debt-insurance-exchange" linkage in its financial service system [6][10]. - The "Kowloon Technology Innovation Cooperation Zone" facilitates cross-border flow of innovation resources between Shenzhen and Hong Kong, with over 200 high-end research projects and 15,000 researchers attracted to the area [9][10]. - The introduction of the "Technology Board" and risk-sharing tools has provided private investment institutions with stable, low-cost funding sources, addressing previous financing challenges [11][13].