临近年末，商业银行科创债发行步伐持续加快。12月19日，平安银行、海南银行相继发布2025年科技创 新债券上市流通公告。仅12月份以来，已有10家商业银行发行科创债券，合计规模接近240亿元。 总体来看，自5月份债市"科技板"落地以来，金融机构、科技型企业、股权投资机构等市场主体发行范 围持续扩容。据Wind统计显示，截至12月23日，银行间市场发行规模已突破9730亿元，其中64家商业 银行发行规模达2774亿元。尤其城商银行、农商银行等中小地方银行发行主体增速明显。 中经传媒智库专家、中国城市发展研究院投资部副主任袁帅表示，监管层为推动科创金融产品创新，提 供了多方面具体支持。在政策引导上，明确鼓励银行发行科创债，为科创企业提供长期稳定资金，给予 政策倾斜与引导。在审批流程方面，简化科创债发行审批环节，提高审批效率，降低银行发行的时间成 本，加快资金投向科创领域。 余丰慧进一步强调，银行在评估和监控资金使用的"科创属性"时，通常会建立一套严格的评审标准和流 程，涵盖项目的技术先进性、市场前景、团队实力等多个维度。同时，还会定期对资金使用情况进行跟 踪检查，确保资金真正用于科技创新活动。部分银行还会与第三方 ...

Core Insights - The article emphasizes the critical role of finance in empowering the real economy, particularly through the innovative financial services provided by Suzhou Bank to support technology-driven enterprises [1][6]. Group 1: Financial Services for Innovation - Suzhou Bank has established a comprehensive financial service system that covers the entire lifecycle of technology enterprises, having served over 13,500 such companies with a total credit amount exceeding 130 billion yuan by the end of September 2025 [1][6]. - The bank has developed a "2+4+N" financial system specifically for technology enterprises, which includes a central committee and specialized departments to ensure efficient service delivery [2][3]. Group 2: Addressing Financing Challenges - Traditional financial services often rely on asset-based evaluations, which can hinder technology enterprises lacking fixed assets. Suzhou Bank has created the "Suxin Innovation Power" evaluation model to assess the intrinsic value of these companies based on innovation metrics [2][3]. - The bank has launched six "Accompanying Series" products that cater to the financial needs of enterprises at various stages, from seed to maturity, addressing challenges in funding for research and development, capacity expansion, and cross-border growth [3][6]. Group 3: Knowledge Property Financing - Suzhou Bank has focused on knowledge property financing, completing over 780 registrations with a total amount exceeding 10 billion yuan, positioning itself as a leader in this emerging field [5]. - The bank has been involved in pioneering initiatives, such as the first data intellectual property registration certificate in the banking industry, and has successfully facilitated financing solutions for local enterprises [5]. Group 4: Multi-Dimensional Support - The bank extends its services beyond technology finance to include green development, cross-border trade, and supply chain collaboration, thereby enhancing its support for the broader real economy [6]. - By integrating various resources, including government support and venture capital, Suzhou Bank has created a comprehensive support system for technology enterprises, facilitating their growth and innovation [3][6]. Group 5: Future Outlook - As the transformation of the real economy progresses, Suzhou Bank aims to strengthen its financial capabilities to support more technology enterprises, contributing to sustainable and high-quality regional economic development [7].

日前，证监会主席吴清在《加快打造一流投资银行和投资机构 更好助推资本市场高质量发展》讲话中 提出"一流投行不是头部机构的'专属''专利'"，强调中小机构"也要把握优势、错位发展，在细分领域、 特色客群、重点区域等方面集中资源、深耕细作"。这番讲话为包括公募基金在内的财富管理机构指明 了未来的方向——在规模之外，特色化、专业化、精细化才是高质量发展的核心路径。 作为公募行业内已经做出自身个性与特色的代表公司之一，天弘基金在服务零售客群与科创领域的精准 布局，为我们提供了一个生动的公募机构差异化发展样本。 坚守普惠底色，多措并举构筑差异化体系能力 互联网时代，过去曾长时间游离于传统高端财富管理领域之外的海量零售客群，逐渐走进财富管理机构 的视野。对于最接近这些普通投资者的公募基金行业而言，这正是吴清主席讲话中强调的"特色客群"。 在渠道协同方面，天弘基金积极构建开放、多元的零售服务生态。比如，与蚂蚁集团、京东金融等头部 互联网平台持续合作，触达更广泛的线上用户群体。2025年4月，天弘在蚂蚁"指数+"专区上线行业轮动 模型，帮助投资者捕捉机构一致看好的上车机会；6月底在京东金融上线"策略目标投"，为投资者提供 买 ...

2025年，正值"十四五"规划承上启下的关键之年，也是科创金融深化落地、全面攻坚的重要年份。为深 入贯彻国家"创新驱动发展"战略，推动资本市场更好服务科技创新，8月1日下午，在中关村科技企业家 协会指导下，由协会投融资专业委员会联合中关村开放基金、国信证券、兴业银行北京分行安立路支行 等战略合作伙伴，共同成功举办"科创金融会客厅"系列活动之《双轮驱动赋能科技创新：创新债募投与 硬科技并购的破局之道》高端论坛。 wps_doc_0.jpeg 聚焦转型，共谋未来 wps_doc_1.jpeg 论坛环节由中关村科技企业家协会投融资专业委员会秘书长张塞主持。他表示，当前，科技创新正成为 高质量发展的核心引擎，而资本与科技的深度融合是破局关键。本次活动聚焦于科技创新与金融资本的 结合，旨在探讨如何通过金融创新赋能科技创新，特别阐述了"金融活水"滋养科创生态的重要性。 坚定信心，传承精神 wps_doc_2.jpeg 中关村开放基金管理中心主任、投融资专业委会会长吴姝主任首先发表热情洋溢的致辞。她指出，值此 中国人民解放军建军98周年之际，"科创金融会客厅"系列活动正式启幕，既是对"八一精神"中"敢为人 先、攻坚克难"品 ...

Core Insights - The article highlights the successful acquisition of a 20 million yuan pure credit loan by Zhejiang Hangtong Machinery Manufacturing Co., Ltd. from Postal Savings Bank, enabling the company to purchase new land and maintain liquidity for production expansion [1][3]. Group 1: Company Overview - Zhejiang Hangtong Machinery is a provincial specialized and innovative enterprise and a national high-tech enterprise, currently facing critical growth and transformation challenges [1]. - The company plans to acquire new land to expand its factory and increase production capacity, but has encountered significant funding challenges [1]. Group 2: Financial Challenges - The company faces three main financial hurdles: a large funding gap for land acquisition, concerns about depleting working capital affecting raw material procurement and order fulfillment, and a lack of additional collateral for traditional financing due to existing mortgages [1][3]. Group 3: Financial Support and Solutions - Postal Savings Bank's Taizhou branch has tailored a financial solution for Hangtong Machinery, emphasizing the importance of adapting financial services to support specialized and innovative enterprises [3]. - A professional team from the bank conducted a comprehensive due diligence assessment, focusing on the company's 44 patented technologies and market advantages, leading to the approval of a 20 million yuan pure credit loan with a five-year term [3][4]. - The loan is designed to support working capital during the construction of the new factory, ensuring the procurement of raw materials and fulfilling existing orders [4]. Group 4: Broader Financial Initiatives - Postal Savings Bank has been actively enhancing its financial services for technology-driven enterprises, offering specialized products like the "Science and Technology Innovation Loan" with credit limits up to 100 million yuan [4]. - The bank aims to continue supporting the growth of specialized and innovative enterprises by optimizing financial products and service models, thereby facilitating the transformation of knowledge into capital [4].

党的二十届三中全会将"发展耐心资本"作为健全因地制宜发展新质生产力体制机制的重要内容。近年 来，嘉兴市围绕科创金融改革，以制度创新为核心，系统优化国有投资基金运行机制，着力营造"大 胆"投资前沿项目、"耐心"陪伴企业成长的良好生态，为培育新质生产力、推动经济高质量发展注入强 劲动能。截至2025年6月末，全市国有投资基金总规模达1006.83亿元，其中，国有资本实际出资201.32 亿元，投资项目达3025个，有力支撑国鸿氢能、立讯精密（002475）、汉朔科技（301275）等科创企业 招引落地、深耕发展。 一、健全制度保障，激活"大胆投"的内生动能 一是夯实法治保障基础。在全国率先开展科创金融地方立法，出台《嘉兴市科创金融促进条例》，以法 律形式明确对国有投资基金实施分类考核,综合评价整体运营效果,不简单以单个项目或者单一年度盈亏 作为评价依据，要求建立以尽职合规责任豁免为核心的容错机制，制定科创类引导基金运作管理尽职免 责办法,明确尽职免责认定情形和流程，从源头上打消"不敢投""不愿投"的顾虑。 二是提升基金运作质效。优化市政府投资基金运作机制，打破原基金管理办法存续期规定，延长科创母 基金存续期至15 ...

在推动高质量发展的时代浪潮中，县域经济作为区域发展的重要基石，其活力与韧性直接影响着经济社 会发展的整体格局。近年来，邮储银行江西省分行始终坚守服务实体经济的初心，聚焦县域重点领域和 特色产业，将金融资源精准滴灌至县域经济发展的关键领域，通过创新服务模式、优化信贷结构、深化 产业融合，在信贷滴灌、服务下沉、普惠纾困、科技赋能等多维度发力，为赣鄱大地的县域经济注入了 源源不断的金融活水。截至2025年11月末，邮储银行江西省分行涉农贷款余额近1065亿元，普惠型小微 企业贷款余额超785亿元，用实实在在的金融成果织密民生保障网。 县域经济的核心竞争力往往源于其独特的资源禀赋与产业基础。邮储银行江西省分行深入践行"一产业 一方案"的定制化金融服务理念，针对省内各地特色农业产业布局，量身打造专属金融产品方案。该行 紧密围绕江西省政府重点打造的稻米、油料、果蔬、畜牧、水产五个千亿级主导产业链，以及茶叶、中 药材两个百亿级特色产业链，开展深入调研，精准对接需求。 走进江西国都中药饮片公司（以下简称：国都中药）的现代化车间，打开了一行人对中药材产业的视 野，从古法炮制到精密控温的浸润、切制、干燥环节，传统炮制精髓与现代科 ...

Core Viewpoint - The central economic work conference emphasizes the integration of technological and industrial innovation to develop new quality productivity, with funding being a crucial element for both original innovation and industrialization [1] Group 1: Technological Innovation and Funding - Anhui province has made significant strides in its technological innovation landscape during the 14th Five-Year Plan period, ranking among the top in the country for regional innovation capabilities [1] - A new generation of aviation broadband communication systems, developed in Hefei High-tech Zone, has promising market prospects in civil aviation and aerospace information, transitioning from laboratory to production in just over two years [3] - The establishment of the Keda Silicon Valley platform, a collaboration between Anhui province, Hefei city, and the University of Science and Technology of China, has facilitated funding and support for enterprises [5] Group 2: Financial Support and Industry Growth - The Keda Silicon Valley Capital Empowerment Center has created mechanisms to support the transformation of scientific achievements into commercial enterprises, enabling scientists to become better entrepreneurs [7] - Collaboration with seven investment institutions has helped enterprises secure tens of millions in funding, driving technological advancements and product iterations, with applications in major airports like Shanghai Hongqiao and Guangzhou Baiyun [9] - Hefei has developed a comprehensive aerospace information industry chain with 165 enterprises generating over 10 billion in revenue, supported by a "fund jungle" involving over 170 state-owned funds with a registered scale exceeding 280 billion [11] Group 3: Scene Innovation and Application - The State Council has recognized scene cultivation as a key driver for developing new quality productivity, with Hefei actively helping tech products find suitable application scenarios [13] - The city's smart inspection system for rail transit, which utilizes quantum precision measurement technology, was developed with initial funding from Hefei's state-owned assets [15][18] - Hefei has published over 1,400 scene opportunity items and 1,500 scene capability items, serving over 4,100 tech enterprises and facilitating more than 1,200 cooperative projects [25]

转自：新华财经 中国银行内蒙古分行聚焦小微科创企业，不断优化服务模式，以更实金融举措助力内蒙古自治区经济高 质量发展。 聚焦重点领域 聚力科创金融 围绕制造业、科技创新、绿色转型及内蒙古自治区8大特色产业集群，创新产品和服务，中国银行内蒙 古分行为科创企业提供精准金融支持，助力区域经济高质量发展。加大"科创贷""知惠贷"等线上产品推 广力度，并优化线下《科创企业专项授信服务方案》，对专精特新、高新技术、科技型中小企业分层提 供300万至1000万元信用贷款额度，贷款期限最长三年；下发科创企业清单，逐户对接营销，截至2025 年11月末，已贷款支持小微科创企业500户，贷款余额30.18亿元，较年初新增98户、4.59亿元，科创企 业授信覆盖率提升2.25个百分点。 聚焦产品创新 聚力特色金融服务方案 某高端装备制造企业，是一家专精特新"小巨人"企业，由于产能扩张关键期，亟需资金支持生产线建 设。面对科技型企业轻资产、高风险、高成长性特点，该行突破传统抵押思维，创新授信模式，对该企 业实施纯信用贷款发放，采取差异化风控措施-创始人连带担保，即借款人实际控制人及其配偶、股东 及其配偶提供个人连带责任保证担保。最终 ...

中新网上海12月11日电 (记者 许婧)上财浦发金融创新研究院与上海科创银行联合主办的"科创金融 研究中心成立暨(潮涌东方论坛)科创新格局下的金融创新"活动10日在上海举办。活动上，科创金融研 究中心(以下简称"中心")正式落成。 当天的论坛上，上海财经大学商学院教授、国际文化交流学院院长董静以"创投视角下的科创金 融"为主题，详细解读了当前科创投资的最新动态与未来发展趋势。 信诺维首席战略官周智敏、矩量光启创始人于文龙、国盛证券具身智能研究院院长张一鸣分别就生 物医药、量子计算、具身智能等前沿科技领域的发展趋势进行了精彩分享，通过独家深度洞察展现了前 沿科技领域的无限潜力。 圆桌论坛上，科创伙伴联盟成员单位代表围绕"科创新格局下的金融创新"展开了深入探讨。与会嘉 宾一致认为，当前科技创新呈现出多学科交叉融合、应用场景不断拓展等显著特点，这对金融行业提出 了更高的要求。金融行业需要不断创新服务模式和产品，以满足科创企业多样化的融资需求。 上海财经大学方面表示，未来，上财浦发金融创新研究院依托科创金融研究中心这一优质平台，深 化双方紧密合作；同时，不断整合各方资源，优化金融服务流程，提升金融服务科技创新的能力与 ...