福建强纶新材料股份有限公司（以下简称"强纶新材料"）的金属纤维生产线上，一根根钢丝在机器的牵 引下，被拉伸成纤细柔软的纤维。 ■本报记者 郑长灵 "创新积分制是一项由国家层面推动、旨在精准识别和赋能科技型企业的重要政策创新。"邮储银行龙岩 市分行副行长谢忠勤对记者表示，在龙岩高新区管理委员会的支持下，在人民银行龙岩市分行的指导 下，该分行高度重视，积极落实相关要求，将创新积分制作为金融支持科创企业的重要抓手，全力推动 其在龙岩地区的落地实施。 "依托创新积分制，将高新园区企业积分数据纳入信审模型，作为评级授信、额度测算的关键参考。通 过'以分换金'的差异化支持策略，我们为积分排名靠前的企业开通绿色审批通道，实现信审效率与风险 控制的精准平衡。"谢忠勤表示，自2024年12月份邮储银行龙岩市分行下辖新罗区支行与龙岩高新区科 技发展局签署科技金融服务战略合作协议以来，该分行推出了一项创新举措，让"数据多跑路、企业少 跑腿"，彻底打破传统信贷对抵押物的依赖，实现"秒批级"响应。 福建省福舫科技集团有限公司（以下简称"福舫科技"），是一家专注于数字孪生技术研发与应用的高科 技企业，数年前邮储银行龙岩市分行就结合该企业 ...

Core Insights - The total issuance of technology innovation bonds in the market has reached approximately 1.5 trillion yuan, with funds accelerating towards technology innovation entities [1] - The establishment of an 800 billion yuan re-lending program for technology innovation and technological transformation by the Ministry of Science and Technology and the People's Bank of China aims to support over 120,000 technology-based SMEs [1] - The implementation of the "Innovation Points System" and specialized guarantee plans has led to positive outcomes in financial support for major national technology tasks and technology-based SMEs [1] Group 1: Technology Financial System Development - The establishment of a "Technology Board" in the bond market is a key focus for building a technology financial system that aligns with technological innovation, aiming to raise long-term, low-interest, and easily accessible bond funds [2] - Shenzhen has taken the lead in responding to the "Technology Board," issuing a total of 1 billion yuan in technology innovation bonds, primarily targeting cutting-edge fields such as artificial intelligence and biomedicine [2] - The "Investment-Insurance Linkage" model by Shenzhen High-tech Investment Group provides comprehensive services including equity, debt, and diversified financial tools to support startups and small enterprises [2] Group 2: Bond Issuance and Financial Products - Guangdong has issued 102 technology innovation bonds with a total issuance scale of 111.4 billion yuan, ranking second nationwide, with most funds directed towards technology innovation-related fields [3] - The bond market's "Technology Board" leverages its market-oriented advantages to continuously introduce specialized innovative products to support financing for technology-based enterprises [3] - A multi-layered and diversified technology financial service system is being developed to better meet the financing needs of technology-based enterprises at different stages [3] Group 3: Financial Support Mechanisms - The establishment of a coordinated mechanism for technology finance has improved the matching and precision of financial support for technology innovation [4] - A comprehensive financial service plan called "Mid-Stage Insurance and Financing" has been launched, providing 100 billion yuan in bank support and insurance guarantees for mid-stage projects over the next three years [4] - The "拨保贷投" mechanism provides full lifecycle funding support for mid-stage projects, covering various funding needs from project inception to maturity [5] Group 4: Innovation Points System - The "Innovation Points System" is being promoted nationwide to optimize evaluation indicators and provide precise profiles for technology-based SMEs [6] - In Handan, the "科创数智贷" product allows companies to secure loans based on their innovation points ranking, demonstrating the effectiveness of the innovation points system [7] - The upgraded "Innovation Points System 2.0" aims to convert a company's innovation potential into quantifiable credit for financial institutions, enhancing the accessibility and efficiency of technology financial services [8] Group 5: Knowledge Value Credit - Hubei has established a knowledge value credit evaluation model, allowing companies to secure financing based solely on intellectual property and talent value [9] - The "Knowledge Value Credit Loan" program has issued a total of 77.4 billion yuan, supporting 14,916 technology-based enterprises, breaking the traditional asset-backed financing model [11] - The establishment of a risk compensation fund and a scientific knowledge value credit evaluation system has enhanced banks' willingness to lend to technology-based enterprises [10][11]

国务院办公厅公开发布了关于进一步促进民间投资发展的若干的措施，一共有13条，引起媒体广泛关注。那么，民间投资"十三条"，为什么会聚焦在扩大准 入，打通堵点和强化保障这样的三个方面？接下来它会为民间投资的发展转变做出什么样的促进和影响？我们为什么要进一步加强民间投资？ "十三条"与"十七条"的根本不同与突破是什么？ 中国民营经济研究会常务理事 李志起：国家一直在鼓励民间资本的发展，两年前出台"十七条"有非常强的背景，是在特定情况下为企业纾困解难提供政策 支持。那个时候主要政策用意是推动民营企业更快复工达产，解决难题，当时出台了"十七条"。 这一次出台的"十三条"，跟过去相比最大的特点就是直接指向了制度破冰，把过去很多政策当中口惠，但可能实不至的政策都变成了非常清楚的"十三条"。 另外，还有一个区别，把过去模糊的政策清晰化了。 在产业的发展方向上，像低空经济、商业航天，这些新兴的新质生产力领域都鼓励民营企业来大胆进入，可以说口开得更宽，民营企业的获得感会更强。 政策中具体的数字（如持股10%、预付款30%）说明了什么？ 中国民营经济研究会常务理事 李志起：这两个具体的数字，是大家讨论最为热烈的。过去可能有一些模糊 ...

Core Viewpoint - The National Development and Reform Commission (NDRC) emphasizes the importance of private investment as a key indicator of economic activity, which plays a significant role in stabilizing growth, employment, and expectations [1] Investment Policy - The NDRC will utilize central budget investments to actively support eligible private investment projects, enhancing the guiding role of government investment on social investment [1] - As of October 29, 500 billion yuan of new policy financial tools have been fully allocated, with a portion supporting eligible key area private investment projects [1] Government Procurement Policy - The government will increase procurement support for small and medium-sized enterprises (SMEs) by reserving over 40% of the budget for engineering procurement projects exceeding 4 million yuan for SMEs [2] - Local governments are encouraged to further increase the reserved share for SMEs [2] - Procurement units are encouraged to raise the advance payment ratio for contracts with private enterprises to over 30% of the contract amount [2] Credit Policy - The NDRC and financial regulatory authorities will enhance coordination to support financing for small and micro enterprises, optimizing approval processes and improving financial service levels [2] - Financial institutions are required to set annual service goals for private enterprises and implement inclusive credit policies [2] - The "innovation points system" will be promoted to guide financial resources towards technology-driven enterprises [2] Direct Financing - The NDRC will continue to implement policies that facilitate the listing and financing of technology-driven enterprises and mergers and acquisitions through a "green channel" [2] - There will be active support for more eligible private investment projects to issue infrastructure REITs, broadening financing channels for private enterprises [2] Financing Service Platform - The NDRC plans to establish a national investment and financing comprehensive service platform to enhance efficient connections between investment and financing, targeting credit resources more precisely towards private enterprises [3]

Group 1 - The National Development and Reform Commission (NDRC) has introduced measures to promote private investment, focusing on enhancing the coordination of investment, fiscal, and financial policies [1][2] - The NDRC will actively support eligible private investment projects through central budget investments, leveraging government investment to stimulate social investment [1] - A total of 500 billion yuan in new policy financial tools has been fully allocated, with a portion directed towards key areas of private investment [1] Group 2 - Government procurement policies will increase support for small and medium-sized enterprises (SMEs), mandating that over 40% of the budget for engineering procurement projects exceeding 4 million yuan be reserved for SMEs [1][2] - Financial institutions are encouraged to set annual service targets for private enterprises and implement a system of credit tolerance for reasonable credit demands [2] - The NDRC aims to facilitate direct financing for private investment projects through mechanisms like REITs and a "green channel" for technology companies [2]

Core Viewpoint - The article outlines measures to further stimulate and promote private investment in various sectors, emphasizing the importance of private capital participation in infrastructure and service industries [4][5][6]. Group 1: Measures to Encourage Private Investment - Projects requiring national approval in sectors like railways, nuclear power, and water supply should include feasibility studies for private capital participation, with a minimum private capital stake of 10% for eligible projects [4]. - Local authorities are encouraged to detail specific requirements for private capital involvement in project construction, particularly for smaller urban infrastructure projects with profit potential [4]. - Private capital is guided to participate in low-altitude economy infrastructure, with equal treatment in commercial space frequency licensing and satellite communication business access [4]. Group 2: Regulatory and Operational Improvements - Unreasonable entry restrictions in service industries will be eliminated, promoting private investment in industrial design, quality certification, and digital transformation services [5]. - The government and social capital cooperation mechanism will be standardized, ensuring fair conditions for private capital in public-private partnership projects [5]. - Strict adherence to bidding regulations will be enforced, prohibiting unreasonable requirements for private enterprises [5][6]. Group 3: Support for Small and Medium Enterprises - Government procurement will prioritize small and medium enterprises, reserving over 40% of budgets for projects suitable for them, with encouragement for local governments to increase this share [6]. - Enhanced regulatory oversight will ensure the rights of private enterprises in infrastructure operations, including power grid access and resource allocation [6]. - Support will be provided for the establishment of major pilot platforms in key industries, facilitating collaboration between state-owned enterprises and private firms [6][7]. Group 4: Digital Transformation and Financial Support - Leading private enterprises are encouraged to build comprehensive digital empowerment platforms to enhance supply chain data integration and support digital transformation for smaller firms [7]. - Central budget investments will be directed towards qualifying private investment projects, utilizing new policy financial tools to bolster capital [7][8]. - Financial institutions are urged to set annual service goals for private enterprises, ensuring access to credit and promoting innovative financing mechanisms [7][8]. Group 5: Monitoring and Compliance - Local governments and relevant departments are tasked with enhancing services and regulations for private investment, improving statistical systems, and monitoring investment trends [8]. - The National Development and Reform Commission will coordinate policy guidance and ensure the implementation of these measures [8].

人民财讯11月10日电，国务院办公厅印发《关于进一步促进民间投资发展的若干措施》。其中提到，用 好支持小微企业融资协调工作机制。银行业金融机构应制定民营企业年度服务目标，全面准确落实普惠 信贷尽职免责和不良容忍制度，完善内部实施细则，满足民营企业合理信贷需求。打造国家投融资综合 服务平台，加强与全国融资信用服务等平台互联互通，更加精准投放信贷资源。推广"创新积分制"，引 导金融资源精准聚焦服务科技型企业。 ...

Core Viewpoint - The Ministry of Science and Technology has issued a notice to promote the "Innovation Points System" and encourage local governments to pilot unique technological financial innovations, aiming to enhance the integration of technological and industrial innovation [1][2]. Group 1: Implementation of the Innovation Points System - The "Innovation Points System" is modeled after the "Ranking and Commanding" approach in technology planning, aiming to implement policies that support high-level technological self-reliance [4]. - Local governments are encouraged to tailor their approaches to the "Ranking" process, developing specific policies and pilot reforms to fulfill the tasks outlined in the "ranking list" [4]. - The initiative aims to create replicable and scalable experiences that convert technological financial policies into tangible financial support for innovation entities [4]. Group 2: Key Tasks and Requirements - The notice outlines four main tasks: constructing a regional characteristic indicator system for the Innovation Points System, building a data platform for the system, expanding application scenarios, and innovatively applying the system in government resource allocation [4]. - Provincial science and technology management departments are responsible for leading the "Ranking" work, with specific requirements for collaboration with local departments and financial institutions to ensure effective implementation [6]. - Local science and technology management departments must develop a "Ranking" plan in accordance with the outlined requirements and submit it for approval by November 7 [8].

Group 1 - The 2025 Zhenjiang Science and Technology Finance Matching Conference was successfully held, focusing on "Innovation Leading, Financial Empowerment" [1] - The event aimed to create a platform for technology talent, projects, and enterprises to connect with financial institutions, facilitating a green channel for technology SMEs to access capital [1][2] - The local government has implemented the "876" innovation leading project, establishing a risk compensation fund of 240 million yuan to support technology financial products [2] Group 2 - A total of 47 technology financial products were launched during the event, with significant participation from various banks and insurance companies [3] - The cooperation between technology enterprises and financial institutions is expected to enhance R&D, capacity expansion, and talent acquisition, potentially doubling revenues in emerging fields [4] - Insurance institutions are playing a crucial role in alleviating financing difficulties for technology enterprises by providing credit enhancement through a government-bank-insurance risk-sharing mechanism [5] Group 3 - The city aims to optimize technology financial products and develop a comprehensive investment and financing service system covering the entire lifecycle of technology enterprises [5][6] - The focus is on creating a financial ecosystem that encourages early, small, and long-term investments in technology innovation [5][6]

Group 1 - The core viewpoint of the news is the release of the upgraded "Innovation Points System 2.0" by the Ministry of Science and Technology, aimed at promoting its nationwide implementation to better evaluate and support technology-driven enterprises [1][2] - The "Innovation Points System" serves as a new financial policy tool that quantifies the innovation capabilities of enterprises, helping financial institutions to accurately identify the technological innovation attributes of companies [1] - The upgraded system includes a comprehensive indicator system consisting of 9 quantitative indicators and 3 bonus indicators, with primary indicators focusing on innovation input, output, development, and impact [1] Group 2 - The guidelines suggest that local governments should utilize the "Innovation Points System" to empower small and medium-sized technology enterprises through diversified application scenarios, such as "points loans," "points investments," and "points insurance" [2] - To facilitate the effective implementation of the policy, the Ministry of Science and Technology has announced a task list for promoting the "Innovation Points System," which includes developing regional characteristic indicator systems and expanding application scenarios [2] - Local technology management departments are responsible for leading the implementation of the tasks outlined in the list, with a goal to complete them within two years [2]