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 ...

GPU芯片研发具有周期长、投入大、风险高的行业特性，人保寿险充分发挥保险资金长期稳定优势，通 过基金间接持股摩尔线程、沐曦股份，持续为企业提供稳定的资金保障，使企业能够专注于技术研发和 产品创新，切实支持两家企业的发展壮大。 据人保寿险相关负责人介绍，此次投资布局，既充分发挥了"耐心资本"核心优势，精准对接了GPU产业 高质量发展的需求，也助力企业借助资本市场实现跨越式发展，更有效推动了国产GPU产业链协同升 级，为人工智能、数字经济发展提供底层算力支撑，促进相关产业协同发展。未来，人保寿险将持续聚 焦国家战略需求，以资本为纽带，持续赋能优质硬科技企业成长，推动金融资源与实体经济深度融合， 为构建自主可控的算力生态体系贡献保险力量。 摩尔线程与沐曦股份均为国产GPU领域领军企业，聚焦高性能通用GPU自主研发，致力破解高端算 力"卡脖子"难题。同期成立的沐曦股份，作为全栈GPU芯片及解决方案提供商，其核心团队具备国际 GPU研发经验，自主软件栈兼容主流生态，曦云系列产品性能对标国际顶尖水平并实现大规模商用。 商报讯(记者叶晓珺通讯员诸昕美)近日，由人保寿险通过一二级联动投资布局的摩尔线程、沐曦股份登 陆科创板， ...

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。 2025年以来，多家银行配合地方迅速响应促消费政策，通过加大信贷投放、创新服务模式、提供财政贴 息等多种方式，为消费市场注入源源不断的金融活水。例如，工商银行推动消费贷款财政贴息政策落地 见效。自该政策实施至2025年11月末，工行累计发放个人消费贷款近1000亿元；累计签 ...

人民财讯1月12日电，山东省人民政府印发《山东省引育长期资本促进创业投资高质量发展的行动方 案》，方案提出，力争到2027年年末，投资山东的创业投资金额年均增长10%以上，管理规模超过4000 亿元，存续基金数量保持在3800只左右，全省创投基金"投早投小投硬科技"的比例超过80%，股权投资 对企业上市的渗透率超过90%，推动形成"产业-科技-金融"高水平循环，全力打造全国科技金融改革试 验区和创业投资高地。 ...

杭州银行行长人选落定。1月12日晚间，杭州银行（600926,SH）发布公告表示，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。其任职资格尚待国家金融监管总局浙江监管局核准， 其现任副行长职务履职至其行长任职资格获得监管核准之日止。 此次人选落定，延续了杭州银行内部培养的高管选拔路径。 张精科出生于1978年8月，毕业于复旦大学、浙江工商大学，研究生学历，项目管理硕士，高级经济 师。其职业生涯扎根杭州银行体系，从基层岗位起步逐步成长为核心高管，积淀了扎实的一线业务经验 与丰富的综合管理经验。 公开简历显示，张精科曾先后担任过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。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正式核准其副行长任职资格。 杭州银行成立于1996年，是一家总部位于杭州市的城市商业银行。自2009年7月设立全省首家科技专营 支行以来，科创金融一直颇具特色，目前科创金融已成为杭州银行的一张"特色名片"。 张精科在2023中国企业家博鳌论坛上曾公开表示，"科技金融是杭州 ...

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 [3][6]. 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 has been included in the five-year planning recommendations [7]. - 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 [7]. - The "1+N" policy system has been established, focusing on five key areas: - Technological finance to support high-level self-reliance in technology and inject financial momentum into innovative enterprises [7]. - Green finance targeting carbon neutrality goals to assist in the comprehensive green transformation of the economy and society [7]. - Inclusive finance to reach underserved segments, ensuring financial services are accessible to all [7]. - Pension finance addressing the needs of an aging population to improve the social security system [7]. - Digital finance leveraging technological innovation to reshape the financial service ecosystem [7]. Upcoming Events - Sina Finance will host the "18th Golden Unicorn Forum: Financial New Start" on January 15, 2026, focusing on the banking and insurance sectors [8]. - The forum will address two main topics: "Banking New Start: Enhancing Financial Quality and Efficiency to Support High-Quality Economic Development" and "Insurance New Start: Reshaping Value Ecology through Core Return" [8]. - Regulatory leaders, industry leaders, and scholars will gather to contribute insights for the transformation and development of the financial industry [8].

Core Viewpoint - The integration of technology finance and industrial finance is essential for promoting technological innovation and industrial innovation during the "14th Five-Year Plan" period, which is crucial for achieving high-level technological self-reliance and leading new productive forces [1][2]. Group 1: Importance of Integration - Strengthening the deep integration of technology finance and industrial finance is a strategic choice to shape new development momentum and gain an advantage in international competition during the "14th Five-Year Plan" period [2][3]. - The integration aims to eliminate barriers between technology, industry, and finance, allowing technological innovation to fuel industrial innovation and upgrades, while financial resources can support both sectors [3]. Group 2: Current Challenges - There are significant challenges in achieving cross-departmental policy coordination, as differences in core concerns among technology, industry, and finance departments hinder unified resource allocation and project selection [5]. - Structural mismatches exist between financial supply and the demands of technological and industrial innovation, particularly in the areas of financing stages, financial structure, and the need for patient capital [6][7]. Group 3: Strategic Measures for Future Integration - Establishing a cross-departmental policy coordination mechanism is crucial for fostering a resilient national innovation ecosystem, which includes creating a "coordinating office" for joint approvals and assessments [9]. - Innovating a diversified financial supply that covers the entire lifecycle of enterprises is necessary, including promoting venture capital and enhancing bank credit to support technology-driven enterprises [10]. - Deepening financial services for industrial chains and clusters is essential, focusing on data-driven credit models and tailored financial products to address the unique needs of different stages of enterprise development [11][12]. Group 4: Digital Empowerment and Risk Management - Implementing a data governance model that integrates data elements, assets, and value chains is vital for enhancing financial services and supporting technological innovation [13]. - Optimizing the regulatory framework and establishing a risk-sharing system is necessary to adapt to the uncertainties inherent in technological and industrial innovation, including developing a multi-layered risk warning system [14].

Group 1 - The Central Economic Work Conference has outlined eight key tasks for economic work in 2026, emphasizing the importance of "innovation-driven development" and the role of technology in industry upgrades and high-quality development [1] - Non-bank financial institutions are encouraged to align with the conference's directives, focusing on serving the real economy and leveraging technological innovation as a driving force for breakthroughs in quality and efficiency [1] Group 2 - The conference has reiterated the commitment to "dual carbon" goals, promoting a comprehensive green transformation, which is a significant focus for trust companies and financial leasing institutions [2] - The emphasis on "innovative technology financial services" marks a new phase in the development of technology finance, integrating core elements like "technology" and "green" with the real economy [2] - Examples of practical applications include the use of big data and AI by companies like Industrial Bank Leasing to enhance risk management in green leasing [2] Group 3 - The carbon trading market is expected to enter a new stage of high-quality development, with the conference calling for strengthened national carbon emission trading market construction [4] - Trust companies are encouraged to explore carbon trusts centered around carbon quotas, leveraging the opportunity presented by the national carbon market to promote green trust development [4] - Accurate management of carbon data is highlighted as a critical area where AI can play a significant role in carbon trading infrastructure [4] Group 4 - Companies like Northern Trust are focusing on integrating AI into green finance, enhancing project selection, pricing, risk control, and post-investment monitoring through data-driven approaches [5] - The goal is to embed green concepts into public life and foster a culture of low-carbon development [5] Group 5 - Financial leasing companies are leveraging their unique "financing + leasing" attributes, supported by technology, to play an irreplaceable role in promoting green development [6] - Companies are implementing digital transformation strategies to enhance risk control and operational efficiency in green leasing [6] - The focus is on converting transformation outcomes into precise support for industrial upgrades [6] Group 6 - Financial leasing companies are urged to optimize their business structures, concentrating on high-end manufacturing, green energy, urban renewal, and retail sectors to align with modern industrial system construction [7]

Core Insights - The Lize Financial Business District aims to become a new international financial hub and vibrant center by 2025, with over 1,520 enterprises and tax contributions exceeding 10 billion yuan [1][2] - The district focuses on developing emerging financial, digital financial, and technology financial sectors, enhancing its economic contribution and industrial capacity [2][3] Group 1: Development Goals - By 2025, Lize Financial Business District plans to have over 1,520 enterprises and tax contributions surpassing 10 billion yuan, with 37 high-quality buildings and 2.19 million square meters of industrial space [1][2] - The district aims to attract at least 200 high-quality enterprises this year and successfully launch the "Beijing International Flower Exhibition" project [1][4] Group 2: Strategic Collaborations - The district has signed a cooperation agreement with China General Technology Group and China Galaxy Securities to enhance the integration of policy, industry, capital, and talent [2] - The focus is on creating a "capital model" for collaborative development between financial industries and regional construction [2] Group 3: Infrastructure and Services - Lize Financial Business District has completed the underground structure of the Lize Urban Terminal and is advancing several key projects, including the Lize Digital Financial Technology Demonstration Park [3][4] - The district has introduced the "Lize Ten Measures" to support enterprise development and innovation, along with a smart service platform offering nearly 1,000 services [3] Group 4: Urban Transformation - The district is transitioning from a single financial business area to a vibrant center, with over 700 high-end brands and 72 first stores in Beijing [3][5] - The development includes a 1,300-acre high-quality green park and various cultural and commercial integration projects [3][4] Group 5: Future Plans - By 2026, the district will accelerate the development of key projects and plans to enhance urban construction, including the Lize Digital Financial Technology Demonstration Park and the Lize Urban Terminal [4][5] - The district aims to strengthen its financial and technological service capabilities while enhancing its international influence and support for regional development [5]

Core Viewpoint - The company emphasizes its commitment to serving the real economy and fulfilling social responsibilities while adapting to industry transformations and aligning with national development strategies [1][3]. Group 1: Company Development and Strategy - Since its inception four years ago, the company has focused on empowering the real economy and safeguarding public wealth, achieving a management product scale expected to exceed 1.5 trillion yuan by 2025 and serving 15 million customers, generating 130 billion yuan in returns for investors [1]. - The strategic positioning of the company is rooted in its unique role as a connector between resident wealth and the real economy, integrating responsibility into its core development [3]. - The company has initiated the "Three-Five Special Project" to deepen its focus on key areas, including technology finance, green finance, and inclusive finance, supporting the construction of five centers in Shanghai and five major tracks of Pudong Development Bank [3]. Group 2: Product Innovation and Performance - The company has launched innovative products, including equity-based technology-themed investments, and introduced a wealth management product linked to the "Pudong Development Bank - China Bond Credit Technology Innovation Bond Index" to guide investments into strategic emerging industries [4]. - In the green finance sector, the company has integrated ESG principles into its investment practices, with green finance-related assets expected to grow nearly 20% by 2025, with bonds making up nearly 80% of this portfolio [4]. - The company has doubled its inclusive finance asset balance since the beginning of the year, responding to the needs of small and micro enterprises and developing specialized wealth management products for the elderly [4]. Group 3: Product System and Market Recognition - The company has upgraded its product system to meet diverse investor needs, launching the "Day Xin Yue Yi" 2.0 product line, which optimizes asset allocation and introduces multiple investment strategies [6]. - The performance of the company's products has been recognized in the market, with several products winning industry awards such as the "Bank Wealth Management Product Golden Bull Award" and "Best Cash Management Return" [7]. Group 4: Digital Transformation and Innovation - The company is focusing on digital transformation as a core strategy, implementing the "Zhi Pu Wealth Management" project to enhance operational efficiency, risk control, and investment research capabilities [8]. - The launch of the "North Star Intelligent Research" platform integrates investment research and strategy, enhancing the company's ability to adapt to market changes and improve decision-making processes [8]. Group 5: Future Outlook and Commitment - The company aims to continue its journey of high-quality development, driven by compliance and professionalism, while striving to become a leading asset management institution [9]. - The company is committed to deepening the integration of financial services with the real economy, contributing to the construction of a financial powerhouse and creating value for clients [9].