北京银行业已实现对辖内上万家专精特新企业金融服务的全覆盖

Core Insights - Specialized and innovative enterprises represent high-quality small and medium-sized enterprises, playing a crucial role in promoting new industrialization and developing new productive forces. As of the end of Q3 2025, there are 10,482 recognized specialized and innovative enterprises in Beijing [1] Group 1: Financial Coverage and Support - By the end of Q3 2025, all specialized and innovative enterprises in Beijing have opened accounts in local banks, achieving full financial service coverage, with a financing coverage rate of nearly 80% [1] - The Beijing Financial Regulatory Bureau has collaborated with relevant departments to dynamically update the list of specialized and innovative enterprises and promote precise matching by banking institutions [1] Group 2: Loan Composition and Trends - As of the end of Q3 2025, the proportion of credit loans among loans to specialized and innovative enterprises in Beijing reached 58.7%, indicating a shift from traditional "heavy collateral" to "heavy credit" in the local technology financial ecosystem [2] Group 3: Financing Costs and Future Directions - The financing costs for specialized and innovative enterprises in Beijing have significantly decreased in 2025. The annualized interest rate for loans issued to these enterprises in the first three quarters of 2025 dropped by 44 basis points compared to the entire previous year, and it is 78 basis points lower than the average interest rate for small and micro enterprises in the same period [3] - The Beijing Financial Regulatory Bureau plans to continuously improve the financial support system for technological innovation, guiding financial resources to more precisely and effectively support specialized and innovative enterprises, thereby contributing to the construction of an international technology innovation center and promoting high-quality development through new productive forces [3]