Group 1: Monetary Policy and Financial Support - The People's Bank of China and the State Administration of Foreign Exchange in Shenzhen aim to implement a moderately loose monetary policy, targeting a credit structure with technology and inclusive loans at 2 trillion each, and green and digital economy loans at 1 trillion each by the end of 2025 [1] - Shenzhen's deposit balance is expected to exceed 14 trillion yuan and loan balance to approach 10 trillion yuan by 2025, maintaining the third-largest scale among cities in China [1] - New loans for service consumption and elderly care in Guangdong province account for over 60% of the total [1] Group 2: Technology and Innovation Financing - Shenzhen has launched the first batch of technology boards in the bond market, with an issuance scale exceeding 40 billion yuan, and three financing models have been promoted nationwide [2] - Over 5,100 technology enterprises in their initial and growth stages have received more than 16 billion yuan in loans through the "Tengfei Loan," "Technology Startup Pass," and "Tech Exchange" models [2] - A total of 611 billion yuan in loans has been issued to 2,843 technology enterprises and 122 technology transformation projects, ranking third among cities in China [2] Group 3: Payment Services and Cross-Border Transactions - Shenzhen has established a comprehensive payment demonstration zone, enhancing inbound consumption by over 30% year-on-year [3] - The city has implemented a tax refund system that allows for refunds to domestic and international electronic wallets, resulting in a 199% increase in sales of tax refund goods [3] - Cross-border payment services have facilitated nearly 1 million transactions amounting to approximately 4 billion yuan, becoming a key method for residents and businesses in Shenzhen and Hong Kong [7] Group 4: Currency Settlement and Trade Facilitation - Shenzhen's cross-border RMB settlement for goods trade has reached 30%, with a total of 12.317 billion yuan in cross-border RMB receipts and payments, marking a significant increase since 2009 [4] - The number of trial banks for cross-border trade has expanded to seven, with transaction amounts increasing by 90% [4] - Financial support for foreign trade has saved over 600 million yuan in settlement fees for more than 250,000 enterprises [5] Group 5: Green Finance Initiatives - Shenzhen has initiated the first national pilot for green foreign debt, issuing over 40 billion yuan in loans to support green development projects [8] - Carbon reduction loans amounting to 200.46 billion yuan are expected to facilitate a reduction of 4.2 million tons of carbon emissions [8] - The climate investment and financing project loan balance is nearing 250 billion yuan, with new loans of 38.39 billion yuan issued in 2025 [8] Group 6: Tax Refund and Fraud Prevention - Efficient tax refund services have benefited nearly 5.6 million individuals, with a total of 90.5 billion yuan in personal tax refunds processed [10] - The introduction of online tax refund for personal postal items has reduced processing time by 3-5 working days [10] - Anti-fraud initiatives have been actively promoted in schools and communities, targeting youth and elderly populations [10]

转自：新华财经 新华财经北京1月9日电（记者 翟卓）如何让"硬科技"企业脱颖而出？离不开金融"活水"的悉心浇灌。 金融机构如何更高效获得回报？离不开信贷资源的精准投放。 记者了解到，从"联合授信"模式，到"共同成长计划"，从善用征信试点政策，到"股贷担保租"联动服 务．.....各地因地制宜创新发展，引导金融资源精准流向科技创新领域，助力金融机构共享科创企业成 长果实。 随着"创新科技金融服务"成为2026年金融工作的核心之一，科技金融发展也有望步入系统推进、深度整 合的新阶段，为关键技术攻关与产业升级等注入更充沛、更适配的金融动能。 ——联合授信风险共担 银企携手奔向双赢 作为"杭州六小龙"之一，云深处科技股份有限公司的四足机器人产品已覆盖全球40多个国家和地区，并 在2025年12月内相继完成超5亿元的C轮融资及数亿元的Pre-IPO轮融资。 但不同于当下的柳暗花明，企业的成长也曾充满坎坷。如在B轮融资后，云深处科技一度面临研发投入 高、订单周期错配等典型科创企业痛点。2022年3月，杭州银行科技支行率先出手，以500万元纯信用贷 款解了企业燃眉之急。 但随着业务快速扩张，单一银行又逐渐难以满足企业多元融 ...

2025年，潍坊银行着力打造数字普惠新场景，实现医疗场景破冰，打通医保数据接口，研发上线"医保e 贷"，专注服务小微医疗机构；运用金融科技手段加速推进"潍企e贷""潍科e贷"产品研发，打通企业主 体线上申贷渠道；与省农担公司合作，开发"鲁担e贷"产品，线上政策性担保产品再添力作。 针对区域特色农业产业，潍坊银行探索基于物联网风控的农产品电子仓单质押贷款模式，打通从田间到 市场的供应链融资堵点，夯实农业发展的金融支撑；针对农药核心企业下游采购客群，研发上线"农智 贷"，依托农药核心企业的信用为下游采购商融资增信；针对个体商业营运客户研发推出"个人商车 贷"，以普惠金融激活个体经济活力。 2025年，潍坊银行紧密围绕中央金融工作会议"五篇大文章"战略布局，将普惠金融作为践行金融初心、 履行社会责任的关键着力点，以"深耕产业金融、攻坚科技金融、共建普惠生态"为主线，通过差异化布 局，推动普惠金融提质扩面，为区域经济高质量发展注入源源不断的金融活水。截至2025年11月末，潍 坊银行普惠小微贷款余额390.0亿元，较年初增长51.2亿元，规模、增量分别列全省城商行第3位、第2 位，金融"及时雨"持续润泽千企百业。 产 ...

Group 1 - The report titled "Overview of Capital Market Services for Guizhou's Economic and Social Development by 2025" highlights the continuous improvement of the system and mechanism for capital market services in Guizhou, emphasizing the new achievements in supporting high-quality development and modernization processes [1] - Various stakeholders in Guizhou are actively promoting the integration of capital market tools into the province's industrial system, providing a solid guarantee for the full utilization of capital market functions [2] - The direct financing amount in Guizhou is steadily increasing, with various market entities achieving direct financing of 77.546 billion yuan, supporting industrial upgrades, project construction, and improving people's livelihoods [3] Group 2 - Guizhou's capital market is focused on serving the real economy, providing high-quality financial products and services for major strategies, key areas, and weak links in local economic and social development [3] - The average coupon rate for corporate credit bonds has decreased to 3.31%, down 49 basis points from 2024, supporting enterprises in reducing costs and increasing efficiency [3] - The implementation of the "five major articles" in finance, including technology finance, green finance, inclusive finance, pension finance, and digital finance, is being actively promoted by the Guizhou Securities Regulatory Bureau and other departments [4]

Core Viewpoint - The Jiangxi Provincial Government has issued a plan to promote the deep integration of technological innovation and industrial innovation from 2025 to 2027, focusing on enhancing the effectiveness of financial services for enterprises [1] Group 1: Policy Initiatives - The plan emphasizes optimizing the due diligence exemption and assessment mechanisms for government investment funds [1] - It aims to strengthen the guiding role of the Provincial Modern Industry Guidance Fund and the Provincial Science and Technology Innovation Fund to attract social capital for early, small, long-term, and hard technology investments [1] Group 2: Support for Technology Enterprises - The initiative includes support for insurance institutions to enhance risk reduction service levels [1] - It aims to provide comprehensive insurance solutions for technology-based enterprises [1]

从银行业实践看，人工智能大模型广泛推动金融服务从"经验驱动"向"数据驱动"转型，如建设银 行"天眼"智能风控系统覆盖全行98%的零售信贷业务，信用卡欺诈损失率同比下降52%，印证了智能风 控对传统金融风险定价模型的优化升级。 从市场规模看，2024年我国智能投顾资产管理规模超190亿元。预计到"十五五"末，个性化资产配 置方案覆盖率将持续增加，反映出金融服务与创新需求的匹配度不断提升。 科技与金融的深度融合，是创新驱动发展的动力所在。作为联结资本与创新的纽带，科技金融体制 构建关系到我国高水平科技自立自强目标的实现。亟须以系统思维培育与创新驱动发展战略相匹配的金 融生态体系，推动"科技—产业—金融"良性循环。 我国科技金融服务体系已初步构建起政策支持、市场运作与监管引导协同发力的多元格局，科技金 融发展生态加速优化。在此进程中，以人工智能为代表的新一轮科技革命，通过技术赋能重构了金融业 态的运行逻辑与价值创造模式，形成了科技金融发展的"技术赋能—效率提升—生态优化"链条。 从资本市场领域看，技术赋能的效果同样显著。深交所与华为联合发布的证券行业法规大模型，提 升了信息披露质量与审核效率，利用技术手段有效破解了 ...

在西南财经大学教授史代敏看来，研究院的成立搭建了连接学术与产业的枢纽，"期待其在协同攻 关、人才共育和生态共建方面发挥作用，将'绵阳经验'提炼为可推广的模式。" 活动现场，绵阳市商业银行发布了面向绵阳重点产业体系的科技金融产品矩阵，包括"科技融医 贷"、科技光子贷、科技机器人贷等系列产品，覆盖科创企业全生命周期；同时与天府产业技术研 究院、涪江实验室等多家创新平台达成战略合作，并与四川华丰科技、富临精工等链主企业现场 签署授信协议，总金额超50亿元。 本报讯（四川日报全媒体记者 任紫鑫）近日，全省首家由金融机构发起成立的科技金融研究院 ——绵阳市商业银行"中国（绵阳）科技城科技金融研究院"正式揭牌，标志着绵阳在推动科技、 产业与金融深度融合方面迈出关键一步。 绵阳市商业银行相关负责人介绍，该研究院锚定四大核心定位：聚焦绵阳重点产业链全生命周 期，打造"破圈入链"切入口；联动政企校研投多方资源，建设"融资+融智"赋能站；构筑科技金融 创新策源地，形成可复制推广的"绵阳模式"；设立银行转型试验田，推动从传统信贷服务商向企 业全生命周期综合金融服务商转型。 ...

Core Insights - The integration of technology and finance is a driving force for innovation-driven development, essential for achieving high-level technological self-reliance in China [1] - The current financial ecosystem is evolving with a focus on creating a virtuous cycle among technology, industry, and finance, supported by a multi-faceted approach involving policy support, market operations, and regulatory guidance [1][2] Group 1: Technology-Driven Financial Innovations - The new wave of technological revolution, represented by artificial intelligence, is reshaping the operational logic and value creation models in the financial industry, forming a chain of "technology empowerment - efficiency enhancement - ecosystem optimization" [1] - AI-driven models, such as the "Tianyan" intelligent risk control system by China Construction Bank, have significantly improved financial services, evidenced by a 52% year-on-year reduction in credit card fraud loss rates [1] - The asset management scale of intelligent investment advisory services in China is expected to exceed 19 billion yuan by 2024, indicating a growing alignment between financial services and innovation demands [1] Group 2: Capital Market Enhancements - The collaboration between Shenzhen Stock Exchange and Huawei has led to the development of a regulatory model that improves information disclosure quality and audit efficiency, addressing information asymmetry in the capital market [2] - The traditional financial system's reliance on tangible asset collateral creates a mismatch with the characteristics of technology enterprises, which are often asset-light, high-risk, and long-cycle, leading to low financing accessibility for innovative firms [2] Group 3: Financing Service System Development - A multi-tiered financing service system is proposed, including innovative intellectual property financing models and the establishment of a national-level intellectual property assessment center [3] - The capital market is encouraged to undergo comprehensive reforms, with a focus on enhancing the identification of hard technology attributes and optimizing the listing review process [3] Group 4: Risk Mitigation Strategies - The development of innovative risk pricing tools and the establishment of risk compensation funds for technology enterprises are essential to enhance financing accessibility [4] - A systematic approach involving policy guidance, market operations, and regulatory support is necessary to optimize the technology finance ecosystem and ensure financial resources are directed towards innovation [4]

Core Viewpoint - The development of technology finance is crucial for promoting the mutual enhancement of technology and finance, as emphasized in China's economic planning and regulatory frameworks [1][3]. Group 1: Importance of Technology Finance - Technology finance is positioned as a key support for achieving high-level technological self-reliance and building a strong technological nation, being recognized as the foremost area in financial development [2]. - The evolution of technology finance in China dates back to 1985, with a focus on integrating financial services with technological innovation through diverse financial tools and systems [2]. - The current phase of the "14th Five-Year Plan" is critical for advancing technology finance, which aids in overcoming key technological challenges and supports the transformation of traditional industries [3]. Group 2: Policy and Structural Developments - Significant policy initiatives have been introduced to enhance financial support for technology innovation, including the establishment of a comprehensive technology finance system that aligns with national technological goals [4]. - By the end of Q3 2025, loans to high-tech enterprises reached 18.84 trillion yuan, with a loan growth rate surpassing the average for all loans, indicating a robust expansion of technology finance [4]. - The establishment of multiple technology finance reform pilot zones aims to reduce financing costs for technology enterprises and optimize the allocation of financial resources [12][13]. Group 3: Role of Patient Capital - Patient capital, characterized by a long-term investment outlook and a higher risk tolerance, is essential for supporting technology innovation, particularly in high-risk, long-cycle projects [7][8]. - The government encourages the development of patient capital through various investment vehicles, which can provide stable funding for technology projects and help bridge the gap between short-term financial returns and long-term innovation goals [9][10]. - The growth of patient capital is seen as a vital driver for directing resources towards new quality productivity and addressing the challenges faced by technology enterprises in securing financing [10]. Group 4: Challenges and Future Directions - Despite the potential of patient capital, challenges such as an imbalanced supply structure and inadequate market ecology hinder its effectiveness in supporting technology innovation [10]. - Future efforts should focus on broadening the sources of patient capital, enhancing market mechanisms, and improving incentive structures to encourage investment in technology innovation [11][16]. - The establishment of a robust policy framework and the integration of market-driven approaches are necessary to enhance the sustainability and coverage of financial support for technology innovation [16].

此外，中国人民银行天津市分行指导辖内机构推出全国首批、京津冀首只科创债券篮子，并先后推动全 国首单租赁行业"绿色两新"债务融资工具等四项全国首创产品落地天津。 （文章来源：新华财经） 科技金融方面，2025年天津市科创债发行规模303.88亿元，全国排名第7位，成为全国首批实现政策支 持三类主体成功发债、全国首批3个实现民营科创企业、民营股权投资机构科技创新债券"双落地"的省 市之一。绿色金融方面，天津市绿色债务融资工具发行规模234.12亿元，比2024年增长106%，"绿色 +两新+乡村振兴"、"绿色+科技创新"等多种三贴标、双贴标工具成功发行。支持民营经济方面，天津 市民营企业发行债务融资工具6只、22.5亿元，实现2023年以来天津市民企债务融资工具发行"零的突 破"。 新华财经北京1月8日电据中国人民银行天津市分行消息，2025年，天津市非金融企业在银行间债券市场 实现净融资额340.15亿元，位列全国第8位，为近五年最高水平。 ...