21世纪经济报道记者 黄子潇 深圳报道 1月22日，21世纪经济报道记者从深圳市地方金融管理局获悉，该局研究起草了《深圳市关于保险业助力科技创新和产业发展的行动方案 （2026-2028年）》（简称《行动方案》），于1月22日公开征求意见。 上述16条政策覆盖多个新兴科技领域，针对性地提出加快研发相适应的风险保障措施与产品。 《行动方案》提出，力争到2028年底完成三方面工作目标： 一是建立并完善与深圳经济社会发展水平相匹配的现代保险服务体系，推动保险业为"20+8"战略性新兴产业集群和未来产业发展、企业"走出 去"、深港金融合作提供坚实支撑，助力深圳建设具有全球重要影响力的产业科技创新中心、产业金融中心和全球海洋中心城市。 二是科技保险规模、质量与竞争力全面提升，科技保险保费收入年均增速超10%，每年为科技企业提供风险保障超5万亿元；低空经济、人工 智能等新兴产业保险服务实现突破，每年推出不少于30款保险创新产品。 三是保险业规模持续扩大，全市保险法人总资产规模超11万亿元，深圳地区三年保费收入超7000亿元。 这标志着，深圳保险业未来三年的重心或将落在"科技保险"领域。同时，深圳还最新提出推动"险资入深" ...

1月21日晚间，兴业银行发布2025年度业绩快报公告。报告显示，2025年兴业银行实现营业收入2127.41亿元，同比增长0.24%；实现归母净利润774.69亿 元，同比增长0.34%。 在资产规模上，截至2025年末，兴业银行总资产突破11万亿，达11.09万亿元，较上年末增长5.57%。值得一提的是，兴业银行第四季度单季表现亮眼，推动 全年营收增速转正。 | | | | | 早い: 八大川日 // // | | --- | --- | --- | --- | --- | | 项目 | 2025 年 | | 2024 年 | 增减变动幅度 | | | (未经审计) | | (经审计) | (%) | | 营业收入 | 212, 741 | | 212, 226 | 0. 24 | | 营业利润 | 89, 948 | | 87, 197 | 3.15 | | 利润总额 | 89, 973 | | 87, 120 | 3.27 | | 归属于母公司股东的净利润 | 77, 469 | | 77, 205 | 0. 34 | | 归属于母公司股东扣除非经 | | 77,064 | 76,772 | 0. 38 ...

Core Viewpoint - The bank is focusing on providing financial support to technology-oriented enterprises throughout their lifecycle, aiming to enhance regional technological innovation and industrial upgrading [1][2] Group 1: Financial Products and Services - The bank has developed specialized loan products such as "Shanxin Loan" and "Qilu Specialized and New Loan" to address the financing challenges faced by technology-oriented SMEs and specialized enterprises [1] - A dedicated technology finance service team has been established to streamline approval processes and implement differentiated performance assessments, encouraging proactive business development by client managers [1] Group 2: Digital Transformation and Efficiency - The bank utilizes digital tools to create a smart ecosystem for technology finance, enabling online processing of loan applications, approvals, and disbursements, reducing average approval time to within 3 working days [1] Group 3: Current Achievements - The bank has engaged with over 20 technology-oriented enterprises in the region, with a credit limit exceeding 130 million yuan, and a loan balance that has increased by 45% compared to the same period last year, particularly supporting strategic emerging industries like high-end manufacturing and new materials [1] Group 4: Future Plans - The bank aims to continue expanding its service range, innovating product types, and optimizing service experiences to become the preferred bank for technology finance in the region, thereby supporting the high-quality economic development of the area [2]

Group 1 - Wenzhou is focusing on technology to empower industrial upgrades, linking traditional industries with technological advancements [1] - Local financial institutions are actively supporting Wenzhou's innovation and technology development, enhancing economic resilience [1] Group 2 - Qingda Light Technology has transitioned into the eye health lighting sector after relocating to the China Eye Valley, benefiting from a rich ecosystem of resources [2][3] - The company has achieved significant funding milestones, raising approximately 600 million yuan in industrial investments after moving to the Eye Valley [3] Group 3 - The establishment of the Eye Health Lighting Professional Committee aims to standardize and promote the development of eye health lighting [3] - Qingda Light Technology's products are designed to reduce visual fatigue by aligning with human eye physiological characteristics [3] Group 4 - The China Eye Valley has registered 426 companies and established partnerships with 92 financial institutions, enhancing its innovation capacity [4] - The Eye Valley's success is attributed to the collaboration between local government, educational institutions, and healthcare facilities [4] Group 5 - The Eye Valley is developing a comprehensive technology finance service system to address common challenges faced by innovative enterprises [4][5] - Two government-backed funds totaling 700 million yuan are being established to support the eye health industry [5] Group 6 - Wenzhou Bay New District has initiated six funds related to the Eye Valley, with a total scale of 3.659 billion yuan, investing over 300 million yuan in various enterprises [6] - The district is focusing on enhancing the financing capabilities of resident enterprises through systematic support and competitions [6] Group 7 - The Eye Valley has created a three-dimensional evaluation system involving scientists, entrepreneurs, and investors to enhance project viability [7] - Regular investment meetings are held to connect innovative projects with potential investors [7] Group 8 - Ruian, with a population of over 1.5 million and a GDP of nearly 150 billion yuan, ranks 12th among China's top 100 innovative counties [8] - The local economy is characterized by family-owned enterprises, which have laid a strong foundation for innovation [8] Group 9 - Ruian's technological innovation is rooted in its manufacturing base, focusing on green development and intelligent transformation [9][11] - The city is addressing challenges in financing and technology transfer to support its transition to high-end, intelligent, and green industries [11] Group 10 - Ruian Rural Commercial Bank is establishing a comprehensive technology finance service system to bridge the gap between entrepreneurs and scientists [12][13] - The bank is providing non-financial technology services to support local enterprises in their innovation efforts [13] Group 11 - The "Qingke Golden Bridge" project aims to facilitate the integration of technology and finance, enhancing support for innovative enterprises [14] - The project focuses on addressing the challenges of technology transfer, financing, and talent cultivation in the region [14] Group 12 - Ruian Rural Commercial Bank is developing a specialized work system for technology finance services, including training for "technology managers" [15] - The bank is establishing a fund to support innovation and technology transfer, aiming to reduce financing costs for tech enterprises [16]

浙江禾城农商银行积极构建科技金融风险池，并制定了《科创金融业务尽职免责管理办法》，在科技金 融风险补偿资金池中筹措专项资金用于弥补初创期和成长期科技型企业的不良贷款。经过一年多的实践 取得了初步成效，对内实现了盈亏平衡，有效调动了客户经理的积极性；同时扩大贷款规模，促进科技 型企业的发展，进一步提升了科技金融的发展水平。 科技型企业在初创和成长期往往面临经营风险高和收益偏低的问题，造成了银行客户经理的"畏贷"情 绪。浙江禾城农商银行积极构建科技金融风险池，并制定了《科创金融业务尽职免责管理办法》，在科 技金融风险补偿资金池中筹措专项资金用于弥补初创期和成长期科技型企业的不良贷款。经过一年多的 实践取得了初步成效，对内实现了盈亏平衡，有效调动了客户经理的积极性；同时扩大贷款规模，促进 科技型企业的发展，进一步提升了科技金融的发展水平。 一、建立科技金融风险补偿资金池的背景 2022年11月，嘉兴市作为唯一地级市，入选全国科创金融改革试验区。作为长三角城市群重要中心城 市，嘉兴市科技型企业数量持续增长，对金融服务的需求日益迫切。但是科技金融业务面临着风险高、 比较收益低、考核责任大等问题，困扰着金融机构相关业务实 ...

Core Viewpoint - The Guangdong branch of the Bank of China is actively promoting the development of technology finance to support the transformation of scientific research into production, creating a comprehensive financial ecosystem for technology enterprises [1][2]. Group 1: Institutional and Organizational Developments - The Bank of China Guangdong branch has revised its guidelines to ensure compliance without moral risk, integrating technology finance into core assessments and forming dedicated approval teams to address lending challenges [2]. - The establishment of a primary technology finance center and five secondary centers in key innovation cities aims to enhance the bank's service capabilities for technology enterprises [2]. - A total of 34 technology branches have been set up in innovation zones to provide specialized services, with 9 branches recognized as "commitment-based technology branches" [2]. Group 2: Technological Empowerment - The bank has developed an intelligent service system based on data and models, launching the "Innovation Credit Loan" product to create precise credit assessments based on technological capabilities [2]. - As of September 2025, the credit balance for technology enterprises exceeded 270 billion, serving approximately 19,000 companies with a non-performing loan rate of less than 1% [2]. Group 3: Collaborative Ecosystem Building - The "Bank of China Innovation Ecosystem Partner Program" aims to create a collaborative financial service system involving government, research institutions, and investment entities, transitioning from isolated efforts to coordinated actions [3]. - A memorandum of cooperation was signed with the Guangdong Productivity Promotion Center to provide comprehensive lifecycle services for technology enterprises [3]. - Initiatives include a provincial technology credit risk compensation fund and tailored services for innovation hotspots like Dongguan and Zhuhai [3]. Group 4: Dual-Driven Financing Model - The bank has introduced a "production investment + credit" dual-driven model to provide long-term, low-cost capital for technology enterprises [4]. - A 14 billion equity investment fund has been established to support advanced manufacturing, with over 1 billion already invested in technology enterprises [4]. - A specialized service plan for pilot testing platforms has been launched, with significant loans approved for semiconductor research projects and related enterprises [4].

Core Viewpoint - Jilin Province is focusing on building a modern industrial system through technological innovation and industrial integration, with CITIC Bank's Changchun branch actively supporting this initiative by providing comprehensive financial services to tech innovation enterprises [1][8] Group 1: Organizational Structure and Strategy - CITIC Bank emphasizes a systematic approach to enhance its technology finance service capabilities, establishing a Technology Finance Center in 2022 and releasing a development plan in 2023 to support business growth [2] - The Changchun branch has formed a leadership group for technology finance, implementing specialized assessment and approval mechanisms to accelerate technology finance development [3] Group 2: Financial Support and Services - The branch has developed a comprehensive financial service model for tech enterprises, offering support from early-stage financing to commercialization, including expert assistance and collaboration with angel investment institutions [4] - Specific financial products like "Technology Achievement Transformation Loan" and "Science and Technology Innovation Loan" have been utilized to support various enterprises, with notable funding amounts such as 0.21 billion for a project and 4.88 billion for specialized enterprises [4][5] Group 3: Collaboration and Ecosystem Development - Since 2023, the branch has signed strategic cooperation agreements with various government departments to enhance services for specialized and innovative enterprises, facilitating policy consultation and capital operation support [7] - The bank has organized multiple industry seminars and product launch events to deepen the integration of capital and technological innovation, resulting in over 500 new tech enterprise services [7] Group 4: Future Outlook - The Changchun branch aims to continue supporting Jilin Province's high-quality development strategy, focusing on sustainable technology finance development to contribute to the construction of a strong financial nation [8]

Core Insights - Jiangsu Province has achieved significant financial development milestones during the 14th Five-Year Plan, including being the top in new loans, listed companies, and financing guarantees in the country [1][2][4] Financial Performance - By the end of 2025, Jiangsu's banking sector assets reached 36.7 trillion yuan, with an annual growth rate of 10.9%, while the insurance sector's assets reached 1.71 trillion yuan, growing at 12.7% [2] - The province has maintained a non-performing loan (NPL) ratio of 0.84%, below the national average, and has disposed of nearly 200 billion yuan in bad loans [2][3] Support for Small and Micro Enterprises - Jiangsu has implemented a financing coordination mechanism for small and micro enterprises, resulting in loans totaling 3.27 trillion yuan and a balance of inclusive loans exceeding 4 trillion yuan [3] - The interest rates for inclusive small and micro enterprise loans have decreased by 1.73 percentage points compared to the previous five-year plan [3] Capital Market Development - Direct financing in Jiangsu reached 6.97 trillion yuan, a 61.95% increase from the previous five-year plan, with bond financing accounting for 6.37 trillion yuan, up 74.2% [4] - The province has 115 companies listed on the Sci-Tech Innovation Board and 56 on the Beijing Stock Exchange, both ranking first in the country [4] Financial Reform and Innovation - Jiangsu has reformed its financial management system, establishing a new local financial management department and enhancing regulatory frameworks [6] - The province has seen the establishment of 29 foreign banks and a joint venture consumer finance company, expanding international financial cooperation [7] Technological and Innovative Financial Products - Jiangsu has launched over 200 innovative financial products in the Sci-Tech financial reform pilot zone, with significant advancements in knowledge property financing [6][7] - The province's digital RMB pilot program ranks first in the country, showcasing its commitment to financial innovation [7]

实施企业上市攻坚行动。市区联动，将企业上市攻坚任务纳入上市工作重点研究事项，组建企业上市攻 坚工作组，聚焦企业上市辅导、申报、审核等各阶段关键环节，"一对一"提供全流程精准服务，统筹协 调解决制约企业上市瓶颈难题，推动企业加速登陆资本市场。 推动上市公司高质量发展。深化市级领导包保服务上市公司机制，开展新一轮全覆盖联系走访，动态更 新诉求台账，持续优化服务举措，实现上市服务制度化、规范化和长效化。深化企业上市合法合规信息 核查"一件事"重点联办事项常态化推进机制，持续提升服务效能。 记者从发布会上获悉，大连市委金融办将重点围绕畅通融资渠道、推动企业上市、加快发展科技金融三 方面，推动金融"活水"润泽实体经济。 提升融资服务质效，畅通资金供给"快车道" 市委金融办将以打通企业融资难点堵点为关键核心，大力开展银企对接，精准支持合理融资需求，不断 提升重点产业集群金融服务水平。 以"零距离"服务打通银企对接"最后一公里"。建立动态更新的融资需求项目清单，常态化、分批次梳理 项目融资需求，及时推送至金融机构，搭建政银企高效对接桥梁。构建供需匹配、市区联动的精准对接 体系，分行业、分领域开展活动辅导，引导金融机构深度参 ...

近年来，光大银行呼和浩特分行一直致力于深入贯彻党的二十大精神、党的二十届三中全会精神、中央 金融工作会议和中央经济工作会议精神，扎实做好科技金融大文章，把更多金融资源用于促进科技创 新，培养新质生产力，建立健全科技金融支持服务体系，为科技型企业提供全生命周期的多元化接力式 金融服务。 未来，光大银行呼和浩特分行将持续加强科技金融相关政策宣传和制度建设工作，优化产品体系，运用 协同力量，提升专业能力，推动支持服务科技型企业贷款增量扩面，为科技型企业高质量发展贡献力 量。（李贺） 编辑：张震 转自：新华财经 在科技创新成为驱动高质量发展核心引擎的今天，破解科创企业"轻资产、长周期、高投入"的融资痛 点，是金融服务实体经济的关键命题。光大银行呼和浩特分行始终坚守"金融报国、服务实体"初心， 以"长期主义"视角深耕科技金融，通过创新信贷评估体系、为科技型动保企业提供信贷支持。 生物医药产业的创新之路，从来离不开长期稳定的资金灌溉。但该行业面临研发投入持续加大、产能扩 张亟需资金的困境，传统信贷"重抵押物、轻技术力"的评估模式成为其融资路上的"拦路虎"。光大银行 呼和浩特分行在深入调研后发现，该行业中某企业拥有多项核心 ...