此外，兴业银行武汉分行紧盯国家战略、着眼区域禀赋，将信息技术、生物医药、高端装备、新能源、 新材料等战略性新兴产业列为核心服务赛道，持续加大金融供给。在武汉东湖高新区、经开区等科创要 素集聚区域，布局科技特色支行，深化产品、服务与模式协同创新，助力前沿领域科技型企业发展壮 大。目前，这套"区域+行业"经营体系正成为该行锻造区域科技金融领先银行的重要支撑。 截至目前，该行服务科技型企业1.7万户，科技金融贷款余额387.16亿元。 编辑：沈宥辰 科技创新是引领发展的第一动力。近年来，兴业银行武汉分行持续提升科技金融战略定位，健全体制机 制、优化服务体系，夯实发展底座；以覆盖企业全周期的产品矩阵精准对接成长需求，联合多方资源搭 建"五链融合"雨林生态，助推新质生产力加速成长。 在东湖高新区尚赛光电的实验室里，一簇微光正悄然点亮中国"芯屏"产业的未来。这家成立于2011年的 企业，十四年来只专注一件事：在泛半导体高端电子材料领域，实现从依赖进口到自主可控的突 围。"从起步阶段关键资金支持，到如今大额集团授信，兴业银行不仅提供了资金，更陪伴我们走过了 从'跟跑'到'并跑'的全程。"企业负责人这句话，道出了无数科创企业 ...

Core Viewpoint - The financing accessibility for technology-based enterprises has significantly improved, with a loan approval rate of 50.3% for small and medium-sized tech enterprises as of September 2025, and interest rates continuing to decline [2]. Group 1: Industry Changes - The banking sector has optimized its technology financial services by enhancing approval efficiency and offering preferential policies on access and pricing [2]. - There is a high concentration of credit and value-added services in established tech companies, while early-stage and smaller enterprises still face challenges in accessing these services [2]. - The concept of "early investment" is emphasized, with Hangzhou Bank being a pioneer in this approach, exemplified by its role as the first lender to the private aerospace company Diwei II [2][3]. Group 2: Diwei II's Business Model - Diwei II focuses on providing satellite services and ground systems to countries lacking satellite infrastructure, with a business model that includes full-chain services such as satellite construction and technical training [4]. - The AI satellites developed by Diwei II can perform 400 trillion calculations per second, enabling rapid data processing that traditional satellites cannot achieve [4]. - Diwei II has secured contracts with Oman for satellite services aimed at land surveying and urban planning, indicating a strong international market potential [5]. Group 3: Collaboration with Hangzhou Bank - Hangzhou Bank has provided Diwei II with a low-interest loan of 20 million for payroll and R&D, showcasing its commitment to supporting early-stage tech companies [8]. - The bank employs a dynamic evaluation model for assessing the growth potential of startups, focusing on policy, capital, technology, team, and industry [8]. - Hangzhou Bank's technology loan balance reached 115.2 billion as of June 2025, with increasing support for emerging sectors like AI and commercial aerospace [10]. Group 4: Strategic Focus and Future Plans - Hangzhou Bank plans to target key areas in the AI industry, such as computing hardware and industrial applications, over the next 3-5 years [11]. - The bank's strategy includes a specialized organizational structure to support early investments and a risk management framework that allows for higher risk tolerance in tech financing [10]. - The bank aims to enhance its "early investment" approach by collaborating with research institutions and focusing on companies with stable teams and promising technology [9].

Core Insights - Shanghai Tensu Zhixin Semiconductor Co., Ltd. has successfully listed on the Hong Kong Stock Exchange, marking a significant milestone for China's domestic GPU industry and showcasing the country's advancements in computing infrastructure [1] - The partnership with SPD Bank highlights a shift in financing strategies for technology companies, focusing on future growth potential rather than traditional collateral-based assessments [2][3] Company Overview - Tensu Zhixin was established in December 2015, focusing on general-purpose GPU design, and has launched products like the Tianwei Gen1 and Zhi Kai Gen1 [2] - The company has faced challenges typical of the industry, such as high R&D costs and long return cycles, necessitating continuous financial support [2] Financial Support and Solutions - SPD Bank has introduced the "Puxin Loan" product to address immediate financial needs, such as payroll and procurement, while also providing a specialized "Puyuan Loan" worth several hundred million yuan to support long-term R&D efforts [3] - The bank has tailored flexible repayment terms to accommodate the lengthy development cycles of chip technology, thereby reducing financing costs for Tensu Zhixin [3] Ecosystem Development - SPD Bank is not only providing credit support but also leveraging its comprehensive service advantages to assist in resource coordination, market expansion, and investment opportunities for Tensu Zhixin [4] - The bank aims to create a synergistic ecosystem that includes equity investment and support for technology mergers and acquisitions, enhancing the company's growth potential [4] Future Outlook - The successful listing and ongoing development of Tensu Zhixin exemplify SPD Bank's commitment to supporting hard technology enterprises, with plans to further enhance its financial services to foster innovation and self-reliance in technology [5]

Core Viewpoint - The global economic landscape is undergoing significant adjustments, and the domestic economy is entering a new stage of high-quality development, presenting both strategic opportunities and transformation challenges for the financial sector [2][5]. Policy and Strategic Framework - The Central Financial Work Conference has set the ambitious goal of "accelerating the construction of a financial power," marking the first time this concept has been included in the five-year planning recommendations [6]. - A series of policies aimed at stabilizing growth, promoting innovation, and preventing risks have been implemented, with coordinated monetary and fiscal policies laying a solid foundation for the reform and development of the financial industry [6]. Financial Sector Initiatives - The "1+N" policy system has been established as part of the top-level design of the financial sector, providing precise navigation for industry development [6]. - Key initiatives include: - **Technology Finance**: Focused on achieving high-level technological self-reliance and empowering innovative enterprises [6]. - **Green Finance**: Aimed at supporting the comprehensive green transformation of the economy and society, aligned with the "dual carbon" goals [6]. - **Inclusive Finance**: Targeting underserved areas to ensure financial services reach every household [6]. - **Pension Finance**: Addressing the needs of an aging population and improving the social security system [6]. - **Digital Finance**: Leveraging technological innovation to reshape the financial service ecosystem [6]. Upcoming Events - The 18th Golden Unicorn Forum will be held on January 15, 2026, focusing on the banking and insurance sectors, with discussions on enhancing financial quality and efficiency to support high-quality economic development [7].

值得注意的是，2025年12月，杭州银行公告，公司董事会聘任原监事长、职工监事王立雄为副行长，其 任职资格尚待浙江金融监管局核准。张精科、王立雄上任后，杭州银行将形成"1正6副"的高管格局，且 均为"70后"，年轻化、专业化的管理梯队为后续战略落地提供了组织支撑。 科技金融"老将"能否扭转业绩下滑趋势 1月12日，杭州银行发布公告称，董事会已审议通过聘任副行长张精科为公司行长的议案。张精科的行 长任职自取得浙江金融监管局核准之日起生效。2025年4月，杭州银行原行长虞利明因个人原因辞职， 当时由董事长宋剑斌代为履行行长职责，至今已超过九个月。 从公开履历看，张精科是杭州银行现任最年轻的副行长，有着丰富科技金融领域管理经验。当前，杭州 银行正面临业绩增长放缓的挑战，2025年前三季度该行营收增速为1.35%，较净利润14.53%的增幅出现 明显落差，单季营收更是出现负增长。张精科的任命能否为杭州银行摆脱业绩下滑趋势、强化差异化竞 争优势注入新动能，成为市场关注的焦点。 董事长代任超9个月后，行长人选官宣 根据杭州银行公告，张精科现任该行党委副书记、副行长，其行长任职自取得监管核准之日起生效，在 此之前仍继续履行 ...

从公开资料可以看出，现任副行长张精科是杭州银行内部培养起来的干部。从复旦大学金融系本科毕业 之后，张精科便加入了杭州银行，历经多个岗位锻炼。他曾担任杭州银行科技支行副行长，杭州银行文 创支行行长，杭州银行资产管理部总经理，杭州银行科技文创金融事业部党委书记、总经理，杭州银行 党委委员、人力资源部总经理。 2023年7月，杭州银行公告聘任其为副行长，同年9月，国家金融监督管理总局浙江监管局核准其副行长 任职资格。 行长一职空缺9个月后，杭州银行决定内部提拔"75后"副行长张精科作为"接棒者"。 1月12日晚间，杭州银行公告称，公司董事会同意聘任张精科为公司行长，任期至第八届董事会届满之 日止，其任职资格待监管部门核准。 记者注意到，张精科是杭州银行内部培养起来的干部，从复旦大学金融系本科毕业之后，他便加入了杭 州银行，从公司客户经理做起，历经多个岗位锻炼。2009年杭州银行成立浙江省首家科技专营支行，张 精科作为该支行筹建班子成员之一，在工作中积累了丰富的经验，亦成为杭州银行科技金融业务的重要 开拓者之一。 新任行长人选来自内部提拔 去年4月初，杭州银行原行长虞利明因个人原因辞任，此后该行董事长宋剑斌代为履行行 ...

近日，人民网正式发布2025建设金融强国创新实践案例库，旨在遴选具有创新性、可持续性、可复制性 的典型案例形成案例库，展示推广金融更好赋能新质生产力发展、助力中国式现代化建设的创新举措与 务实成果。厦门国际银行北京分行"'产业专业化'推动科技产业金融深度融合"成功入选科技金融案例。 厦门国际银行北京分行紧密围绕国家与首都重点产业发展方向，持续深化"产业专业化3.0"战略，服务 赛道从新能源、数字制造等领域，逐步拓展至人工智能、低空经济、人形机器人等70余个前沿细分产 业，构建起涵盖客群划分、准入政策、产品方案、营销推动的"四位一体"服务体系。通过精准匹配不同 产业客群的金融需求，提供差异化、定制化服务，有力助推科技产业企业成长。截至2025年末，该行产 业贷款余额近240亿元，产业贷款占比超过51%，产业客群覆盖率持续提升。 针对初创期与成长期科技企业普遍面临的"规模小、流动性弱、抵押物不足"等融资瓶颈，厦门国际银行 北京分行围绕企业全生命周期需求，创新推出"知享贷"等特色产品，建立以产业流、技术流、资本流、 现金流、能力流、业务流为核心的多元评价体系，打破对传统抵押物的依赖，有效拓宽科技企业融资通 道。20 ...

Core Insights - The Shandong Provincial Government has issued an action plan to attract and cultivate long-term capital to support high-quality development in the region, aiming for an annual growth of over 10% in venture capital investment by the end of 2027 [1] Group 1: Long-term Capital Attraction - The action plan aims to attract well-known venture capital institutions to establish regional headquarters or branches in Shandong, participating in the management of various government and state-owned investment funds [2] - It encourages various financial entities, including insurance funds and commercial banks, to set up or invest in venture capital funds in the province [2] - The plan promotes corporate venture capital (CVC) investments from Shandong's listed companies and major tech enterprises along the industrial chain [2] Group 2: Promotion of Venture Capital - There will be increased policy support for venture capital institutions focusing on original and leading technological innovations [2] - A risk compensation mechanism will be established for seed and early-stage enterprises, encouraging "advanced incubation" and "deep incubation" models for hard tech companies [2] Group 3: Government Investment Fund Management - A differentiated assessment system for state-owned venture capital will be constructed, optimizing the evaluation system for the entire investment lifecycle [3] - The plan emphasizes a higher risk tolerance for government investment funds focused on seed and early-stage investments [3] - A fault-tolerance mechanism will be established, allowing for due diligence exemptions for fund managers and state investors in compliance with relevant policies [3]

2025年中央经济工作会议要求，引导金融机构加力支持扩大内需、科技创新、中小微企业等重点领域。 落实中央经济工作会议精神，不久前召开的全国金融系统工作会议明确，要继续实施好适度宽松的货币 政策，加强对扩大内需、科技创新、中小微企业等重点领域的金融支持。 丰富消费金融产品供给 中央经济工作会议把"坚持内需主导，建设强大国内市场"摆在2026年经济工作重点任务的首位，并提 出"深入实施提振消费专项行动，制定实施城乡居民增收计划"。 提振消费需要金融体系提供全方位支持，以激发消费潜力、优化消费供给并培育新兴消费模式。近日， 商务部、中国人民银行、金融监管总局联合印发《关于加强商务和金融协同 更大力度提振消费的通 知》，围绕商品消费、新型消费、消费场景、县域消费等领域部署了多条政策措施，进一步丰富消费金 融产品和服务。 紧扣中央经济工作会议部署，各金融机构结合自身优势，进一步明确信贷支持举措，着力促消费、扩内 需。例如，建设银行提出，加快升级产品服务体系，深入推进消费金融专项行动，更好满足人民群众多 样化、差异化金融需求。中国银行表示，将积极配合实施好提振消费专项行动和城乡居民增收计划，全 方位满足居民多元消费需求。 ...

经验沉淀：夯实科技金融高质量发展根基 实践表明，构建多维评价体系是精准授信的前提，政银协同联动是形成政策合力的关键，提升服务效率 则是金融机构的核心竞争力。通过整合金融与财政资源形成的"1+1>2"赋能效果，不仅有效降低企业融 资成本，更提升了金融服务实体经济的质效。未来，该行将持续深耕科技金融赛道，不断迭代服务模 式、丰富产品体系，通过"知识产权证券化""投贷联动"等创新举措，持续激活科创企业"无形资 产"与"沉睡资产"价值，扩大科技金融服务覆盖面，以更高质量的金融服务扎实做好科技金融"五篇大文 章"，为地方科创产业高质量发展、实体经济转型升级贡献更强农商力量。李旭 创新实践：构建全链条科技金融服务体系 该行创新构建多维价值评价体系，突破传统信贷过度依赖财务指标和抵押物的局限，形成涵盖技术实 力、知识产权价值、研发能力、市场前景、团队素质等八大维度的综合评估模型。在评估过程中，既认 可固定资产的抵押担保价值，更通过专利价值评估、技术成熟度分析等手段挖掘核心技术、专利储备 等"软实力"蕴含的发展潜力，实现从"单一资产评价"到"多维价值考量"的转型。 针对科创企业不同发展阶段的资金需求特征，该行优化信贷产品体系 ...