提高服务精准度 近年来，辽宁出台了《辽宁省金融支持科技型企业全生命周期发展若干举措》等一批政策文件，构建起 契合科技型企业全生命周期需求的多层次科技金融服务体系，一批优质企业快速成长、不断壮大。 "辽宁股交中心是多层次资本市场的重要组成部分。作为辽宁重要的金融基础设施和企业上市培育基 地，辽宁股交中心将支持科技创新作为重要职责，通过设立专精特新专板、瞪羚独角兽专板等板块及综 合服务，不断提高科技金融服务的精准度，持续赋能科技型中小企业发展。"该负责人说。 截至2025年11月底，辽宁股交中心挂牌企业中，高新技术、瞪羚独角兽及专精特新等科创企业占比达 41%。培训培育企业覆盖全省95%的县区及中心90%以上的挂牌企业。 该负责人表示，辽宁股交中心逐渐成为辽宁科创企业的聚集地。通过专业化、综合化的金融服务，多数 企业实现了从"管理"到"治理"的飞跃，科技研发及创新能力持续提升。 ● 本报记者 宋维东 辽宁股交中心相关负责人日前在接受中国证券报记者专访时表示，辽宁股交中心将持续聚焦以高新技术 和专精特新为代表的科创企业引入，不断完善综合服务体系，积极打造中小微企业孵化培育平台、投融 资对接平台和拟上市企业规范辅导平 ...

f D 王文怀 ◎记者 邓贞 近日，厦门建发新兴产业股权投资有限责任公司（简称"建发新兴投资"）出资参与的福建（厦门）社保 科创基金落地，建发新兴投资日后也将管理更巨量的长期资本"活水"。公司董事长王文怀在接受上海证 券报记者专访时表示，驾驭好长期资本的关键，在于构建一套环环相扣的体系：锻造能打硬仗的"特种 兵"团队，构建沿"科学—技术—产品"全链条的资本导航能力，并通过金融工具与生态协同，实现从"引 水"到"滴灌"的闭环。 破解人才密码：激励"特种兵"，激活资本效能 在王文怀看来，科创投资绝非普通金融业务，而是一项高度复杂、极度专业且周期漫长的"特种作战"。 他将团队中的优秀年轻人比喻为"特种兵"：他们需要携带精良的"认知装备"，在充满不确定性的创 新"无人区"自动自发地探索，其工作直接决定了长期资本能否转化为有效的创新动能。 "这样一支队伍的给养，难道不应该更充足一些吗？"王文怀表示。他坚信，长期资本的有效管理和增 值，最终依赖于专业"人"的持续耕耘。如果激励体系无法与市场化的专业要求相匹配，那么，高屋建瓴 的战略规划也有可能因人才流失而搁浅。 他提出的解决方案是：激励与监督，两个都要硬。这需要建立一套科 ...

Core Insights - The article emphasizes the importance of financial support in fostering technological innovation and high-quality development in industries, particularly in Guangdong province, as highlighted by President Xi Jinping's directives [1] Group 1: Company Evolution - Global Digital Technology Co., Ltd. transitioned from a traditional tourism company to a technology enterprise, recognizing the high demand for information services in the tourism sector and establishing a research and development center in 2011 [2] - The company underwent a second strategic transformation in 2016, expanding its focus from smart tourism to smart ecology and urban services, and significantly upgraded its core products to cloud-native solutions [3] - Post-2021, the company pivoted towards integrating AI with industry, launching initiatives in "vertical large models + AI full-stack cloud" [3] Group 2: Financial Innovations - The "Tengfei Loan" 3.0 model was introduced to address the funding challenges faced by technology companies, focusing on current loans combined with future excess profit sharing, allowing for a more flexible financial solution [3][7] - As of now, the "Tengfei Loan" has provided credit to 146 companies, totaling 8.63 billion yuan, demonstrating its effectiveness in supporting high-growth technology firms [8] Group 3: Industry Trends - The article highlights the emergence of the bond market's "Technology Board," which aims to attract long-term capital into hard technology sectors, addressing the high R&D costs faced by companies like Shenzhen Zhujidong Technology Co., Ltd. [9][11] - The "Technology Board" has successfully issued over 87 billion yuan in technology innovation bonds, facilitating funding for projects in AI, semiconductors, and biomedicine [11] Group 4: Collaborative Financing Models - In Dongguan, a collaborative financing model integrating equity, debt, and guarantees has been implemented, providing comprehensive financial support to technology companies at various development stages [12][13] - This model has effectively combined bank credit with investment and guarantee resources, enhancing the scientific decision-making process for credit allocation [14] Group 5: Cross-Border Financial Solutions - The "Kehui Tong" initiative in the He Tao Shenzhen-Hong Kong Technology Innovation Cooperation Zone aims to facilitate the cross-border flow of research funding, enhancing collaboration between Shenzhen and Hong Kong [16][17] - The initiative has already enabled several research institutions to secure funding exceeding 77 million yuan, promoting technological advancements and commercialization [18]

Group 1 - The core viewpoint is that 2026 will focus on increasing consumption rates as a key strategy, with a shift in policy emphasis towards income-driven consumption [4][5] - The central economic work conference highlights the prominent contradiction of strong domestic supply versus weak demand, indicating the importance of consumption in the policy framework [4] - Policies to stimulate consumption will include measures such as promoting service consumption, improving the income mechanism, and addressing housing and education costs [5][6] Group 2 - Monetary policy has room for further easing, with potential structural tools focusing on service consumption and technological innovation [6][9] - The bond market is expected to see a shift in supply-demand dynamics, with nominal growth rates influencing long-term bond yields [9][8] - The "Five Articles" initiative is anticipated to achieve breakthroughs in technology and inclusive finance, with a focus on supporting innovation and enhancing employment security [10] Group 3 - The RMB is expected to appreciate moderately in 2026, supported by external factors such as the US interest rate cycle and internal economic stability [7][11] - The gold market is projected to experience increased volatility, driven by expectations of weakened dollar credit and geopolitical risks [11][12] - The strategies of "internal circulation" and "high-level opening" are seen as mutually supportive, enhancing domestic demand while expanding international trade [13]

Group 1 - Qingdao has achieved a significant leap in the Global Innovation Index, ranking among the top 100 technology clusters for five consecutive years, making it the fastest rising city in China over the past five years [1][8] - The city is focusing on a "10+1" innovative industrial system, supported by policy funding and talent platforms, to create a clear pathway from technological breakthroughs to industrial transformation [1][8] - In 2025, key technology projects in Qingdao will cover nine major fields, including new energy, new materials, equipment manufacturing, and biomedicine, with over a hundred projects aimed at driving new productive forces [1][8] Group 2 - ICBC Qingdao Branch emphasizes the importance of financial support for technological innovation, integrating this focus into its "Technology Finance Implementation Opinions" [3][10] - The branch has achieved nearly 60% account coverage and over 40% credit approval rate for key technology projects, with an average loan increase of over 50 million yuan per enterprise [3][10] - ICBC Qingdao Branch has provided over 1 billion yuan in special loans to a leading semiconductor company for equipment upgrades, enhancing national competitiveness in the semiconductor industry [3][10] Group 3 - The branch supports various sectors, including high-end hydraulic equipment and special steel manufacturing, facilitating advancements in technology and quality [4][11] - In the high-end instrument sector, the branch has assisted a small giant enterprise in producing harmonic reducers for humanoid robots, becoming a leading supplier in the domestic market [6][13] - The branch collaborates with key research institutes to provide financial products for technology transfer, focusing on biotechnology and marine biomedicine [7][14] Group 4 - ICBC Qingdao Branch is committed to supporting the construction of a technology-driven city with core competitiveness, continuously improving its financial service mechanisms [3][14] - The branch aims to enhance service efficiency and product offerings to support breakthroughs in key technologies and their commercialization [14]

从深耕浙江的浙江农商联合银行到全国性股份行，47岁的吕临华迈出职业生涯的新一步，这也是浙江省 加强金融管理、推动银行发展的一次重要人事布局。 12月23日晚间，浙商银行公告，根据中共浙江省委决定，吕临华担任浙商银行党委委员、党委副书记， 并提名董事、行长人选，陈海强不再担任行长职务。 这纸任命意味着3万亿级浙商银行迎来了一位年轻、具备金融监管与地方银行业经营双重从业背景的新 行长。他此前的工作经历和实战经验，能给浙商银行带来什么战略适配和新气象？又能否在"深耕浙 江"的宏大语境下提升浙商银行的县域经济服务深度与创新能力？ 吕临华的两张"答卷" 记者注意到，在进入银行圈之前，吕临华有多年金融监管部门工作经历，他曾担任浙江保监局办公室主 任、浙江银保监局法规处处长等职。2022年7月起，他获得监管核准担任浙江农商联合银行副行长。而 距此3个月前，全国深化农信社改革的"第一单"落地，浙江农商联合银行当年4月刚挂牌成立。从官网 看， 浙江农商联合规模不小，下辖82家县（市、区）农商银行、农信联社，拥有网点4000余个，丰收 驿站（金融服务点）1万余家，员工5万余人。到2024年4月末，全系统各项存款余额4.74万亿， ...

Core Viewpoint - Consumption is seen as the "ballast" for economic growth, while finance acts as the "lifeblood" that supports aspirations for a better life across various scenarios and urban-rural divides. Consumer finance companies play a crucial role in driving consumption and supporting new urban residents and county-level consumption upgrades [1] Policy Insights - By 2025, multiple policies related to consumption and consumer finance will be implemented, making it essential for consumer finance companies to adapt to regulatory changes and convert policy benefits into consumption potential [2] - Policies such as the "Special Action Plan to Boost Consumption" and "Guidance on Financial Support for Expanding Consumption" have provided a solid foundation and market confidence for the consumer finance industry [2] - Companies like China Post Consumer Finance are actively responding to new lending regulations by implementing a dynamic management whitelist for lending partners to ensure compliance and consumer protection [2] Development Strategies - The implementation of various policies has injected stronger momentum into consumption and provided clear directions for the standardized development of consumer finance companies [4] - Companies are leveraging technology to enhance compliance management and have established systems for fraud detection and risk control [4] - Strict regulatory requirements are viewed as a stabilizing force that can eliminate poor industry participants and create a fair competitive environment for compliant businesses [4] Technological Advancements - Technology remains a core competitive advantage for the consumer finance industry, with companies accelerating their digital transformation to provide more accessible financial services [7] - Ant Consumer Finance has upgraded its risk control system using AI to better match consumer needs and enhance the efficiency of credit decisions [7] - Companies like Xinyu Consumer Finance are focusing on standardizing their technology and processes to support the entire lifecycle of consumer credit services [7] Financial Focus Areas - Consumer finance companies are committed to serving the real economy through five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance [9] - Companies are developing tailored products for different consumer segments, such as flexible personal loans for younger consumers and enhancing financial education for the elderly [9] - Haier Consumer Finance has initiated the first ESG-linked syndicated loan in the industry, directing funds to green consumption scenarios [9]

来源：金融人事mini 近日，多家全国性银行行长出现变动。12月23日，中信银行行长芦苇调任邮政集团党组成员、副总经 理；同日，浙商银行公告，吕临华任该行党委副书记、提名行长。 银行人事了解到，浙江省又一家万亿级银行行长人选确定，杭州银行副行长张精科拟获提任。 今年4月2日，前杭州银行行长虞利明因个人原因辞任后，该行行长职位空缺至今，期间由董事长宋剑斌 代行行长职责。 履历显示，张精科现年47岁，是目前杭州银行最年轻的高管，属于杭州银行内部成长起来的管理者，先 后在客户经理、营销部门负责人、支行行长、部门总等多个岗位任职。 张精科，1978年8月出生，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。2003年，加入杭州银行总行营业部，是当时该行最年轻的公司业务经理。 2009年6月，其参与筹建杭州银行科技支行并担任副行长，从零开始建立科技金融服务体系。2013年8 月，杭州银行决定设立文创支行，张精科又受命筹建并担任支行行长，以创新产品、聚合营销渠道、互 联网思维等方式探路文创金融。 2017年起，张精科历任杭州银行总行资产管理部总经理，科技文创金融事业部党委书记、总经理，党委 委员、人 ...

Core Viewpoint - The Xiamen International Bank Quanzhou Branch is actively supporting the high-quality development of the private economy in Quanzhou through targeted financial services and strategic initiatives, aligning with local government policies and focusing on key industries and sectors [1][2]. Group 1: Financial Support for Private Economy - The bank has implemented 15 financial support measures for the private economy in Quanzhou, focusing on industries such as textiles, footwear, and intelligent manufacturing to facilitate technology upgrades and expansion for local enterprises [2]. - A specialized working group has been established to create tailored credit strategies and guidelines for key industries, ensuring precise financial support for leading enterprises and significant projects [2]. - As of November 2025, the bank has provided financial relief of 2.07 million yuan to 86 enterprises, addressing issues of financing difficulties and high costs [2]. Group 2: Diverse Financial Services - The bank has introduced the "Science and Technology Loan" product, offering up to 30 million yuan in unsecured loans to qualified small and micro enterprises, resulting in a year-on-year growth of over 70% in technology finance loans by November 2025 [3]. - Green finance initiatives have been launched, including a carbon footprint loan evaluation system, with green finance loans increasing by over 15% since the beginning of the year [3]. - The bank has developed the "Sea Silk Food Rhythm Loan" to meet the diverse financial needs of small and micro enterprises and individual businesses, enhancing financial accessibility [3]. Group 3: Digital and Elderly Financial Services - The bank is advancing its digital transformation by enhancing financial technology applications, exemplified by the "Cross-border e-Station" platform that supports online cross-border transactions for overseas Chinese businesses [6]. - Financial products tailored for the elderly demographic have been introduced, focusing on stable investment returns and comprehensive protection of their rights [6]. Group 4: Overseas Chinese Financial Services - The bank has established a strong brand in overseas Chinese finance, with a total business volume nearing 4 billion yuan and over 700 overseas Chinese clients as of November 2025 [8]. - Special loan rate discounts and fee waivers for overseas Chinese clients have been implemented, along with a one-stop financial service for overseas Chinese businesses [8]. - The bank collaborates with other financial institutions to create a cross-border financial cooperation platform, supporting overseas Chinese investments in Quanzhou [8]. Group 5: Future Development Goals - The bank aims to continue its commitment to serving the private economy in Quanzhou, focusing on innovation in products and services to support local industries and contribute to the development of Quanzhou as a "21st Century Maritime Silk Road City" [10].

Core Viewpoint - The Bank of China has launched the "Integrated Cultivation Plan" to provide comprehensive financial services for technology enterprises, focusing on key sectors and allocating 60 billion yuan in special funds to promote high-level technological self-reliance and strength [1][6]. Group 1: Plan Overview - The "Integrated Cultivation Plan" aims to address the full lifecycle financial needs of technology enterprises with growth potential, transitioning from fragmented to one-stop financial services [2]. - The plan includes a relay-style support system that provides a comprehensive financial service package over a 3 to 5-year period, adapting to the operational rhythm of enterprises [2][3]. Group 2: Financial Support Structure - The initial phase of the plan will be piloted in five regions, with a total of 60 billion yuan allocated, including 10 billion yuan for equity investment and 50 billion yuan for credit support, targeting at least 100 high-quality enterprises with key technologies [4]. - A full-stack fund system will be established to cover different stages of enterprise development, including early-stage investment and growth support [4]. Group 3: Collaborative Mechanisms - The plan emphasizes a unified approach to financial services, promoting collaboration between equity and debt financing, and ensuring seamless service delivery through expert consultations and joint evaluations [4]. - An "Innovation Ecological Alliance" will be formed with various partners to enhance resource connectivity for enterprises, integrating both financial and non-financial resources [5]. Group 4: Focus Areas and Goals - The plan aligns with the "14th Five-Year Plan" and prioritizes support for sectors such as integrated circuits, artificial intelligence, low-carbon energy, and precision medicine [6]. - The Bank of China aims to create a replicable model of integrated technology financial services to help enterprises navigate challenges and achieve sustainable growth [7].