"天命玄鸟，降而生商。"2025年9月，由河南首家低空经济领域省级实验室——蓝天实验室研发的"玄 鸟"无人机在安阳无人机产业园正式发布。这一创新成果，正是安阳低空经济蓬勃发展的生动缩影。近 年来，依托4420平方公里报备空域的得天独厚优势，安阳低空经济方兴未艾，以蓝天实验室为龙头，已 牵头制定并输出全国性规范性标准14项。 安阳弘安航空科技公司是一家专注于无人机配件研发的小微企业，曾一度面临研发资金紧张的难题。中 国人民银行安阳市分行获悉情况后，主动牵线搭桥，推动工行安阳分行创新推出"无人机产业贷"专项金 融产品，为该企业投放300万元优惠利率贷款，精准破解了资金瓶颈。在金融活水的精准滴灌下，该企 业发展势头迅猛，目前已与国内1200余家无人机企业建立了合作关系，其产品在国内工业无人机配件领 域的市场占有率超过80%。公司负责人由衷感慨："得益于科技金融政策的大力支持，我们的研发创新 之路才走得如此顺畅！" 当前，安阳市低空经济领域集聚企业160余家，随着产业规模持续扩大，企业多元化融资需求日益增 长。中国人民银行安阳市分行立足本地产业实情与区位优势，创新打造"制度机制为土壤、政策资金引 活水、创新举措输养分 ...

县域经济是国民经济的基本单元，承担着连接城市和农村、推动区域均衡发展的重要任务。在深化金融 供给侧结构性改革、推动经济高质量发展的背景下，东源农商银行聚焦养老金融、普惠金融、科技金融 等重点领域，以定制方案破困局、以实地调研摸需求、靠创新模式提质效，让金融活水精准滴灌县域发 展各领域，在服务地方经济中交出了一份扎实的"实干答卷"。 定制方案畅通金融助老路 发展养老金融是金融机构服务民生的重要抓手。近日，《金融时报》记者跟随东源农商银行蓝口支行工 作人员走进河源市区某养老院，一场"实地走访+需求对接"的养老金融深度实践在此展开。 "完全投产后，我们能提供400多个就业岗位，年利润预计超1900万元，每年能给地方贡献近500万元税 收。"林女士说。 模式创新拓宽融资渠道 在广东某钢铁有限公司的生产车间里，机器轰鸣、钢水飞溅。这家年产值超7亿元的钢铁制品企业正谋 划着扩建一条高精度钢材生产线，但"资金需求大、周期长"的痛点成了拦路虎。 针对这一难题，东源农商银行灯塔支行创新推出"双主体授信+分阶段放款"模式，核定预授信6980万 元，首阶段放款590万元。为确保风险可控，该行建立"三查三访"机制：贷前查经营数据、查 ...

Core Viewpoint - Huaxia Bank emphasizes its commitment to supporting the capital's development through various strategic actions, particularly the "Jinghua Action," which aims to leverage resources for the benefit of Beijing's growth and high-quality development [1] Group 1: Financial Support and Initiatives - Huaxia Bank has launched ten key actions this year, focusing on business development, cost reduction, risk control, internal management, and style construction, with the "Jinghua Action" being the most significant [1] - As of the end of October, Huaxia Bank has provided a total of 400 billion yuan in various financing services to the Beijing area, representing a 13% year-on-year increase [1] - The bank's technology finance initiatives are positioned as a core engine for supporting new productive forces in the capital, with a strategic focus on enhancing technology finance across the organization [2] Group 2: Technology Finance Development - Huaxia Bank has established a comprehensive product matrix to address the financing needs of technology enterprises throughout their lifecycle, including various loan products tailored to different growth stages [3] - The bank's technology enterprise loan balance reached nearly 240 billion yuan, with a growth rate of nearly 50%, serving over 8,400 clients [3] - In 2025, Huaxia Bank has issued nearly 4 billion yuan in credit loans to support the technology development of specific companies, such as Moer Technology [3] Group 3: Green Finance Initiatives - Huaxia Bank has positioned green finance alongside technology finance as a key feature, with a green finance balance exceeding 490 billion yuan and green loan balance surpassing 350 billion yuan, accounting for nearly 16% of total loans [4] - The bank has collaborated with the World Bank on significant projects aimed at air pollution prevention, with annual CO2 emissions reductions of 2.88 million tons [5] - Huaxia Bank has also supported major green infrastructure projects and led the underwriting of green asset-backed securities, demonstrating its commitment to sustainable development [5] Group 4: Consumer Finance Efforts - To support the construction of Beijing as an international consumption center, Huaxia Bank has launched 18 key tasks aimed at promoting consumer spending and enhancing financial services for major projects [6] - The bank has engaged in various promotional activities, including collaborations with supermarkets and cultural events, to stimulate consumer engagement and spending [6][7] Group 5: Regional Development and Collaboration - Huaxia Bank has provided nearly 90 billion yuan in financing services for key projects in the Beijing-Tianjin-Hebei region, marking a 31% year-on-year increase [8] - The bank has initiated the "Jinghua Action" to ensure comprehensive service coverage for state-owned enterprises in the capital and has supported various relocation projects to enhance regional integration [8] - Future plans include further advancing the "Jinghua Action" with more precise strategic layouts and innovative financial products to support the capital's development goals [8]

日前召开的中央经济工作会议列出了八项重点任务，为明年经济工作划出重点。其中，会议将"坚 持创新驱动，加紧培育壮大新动能"作为第二项重点工作，凸显了科技创新的重要性。 兴业研究宏观市场部高级研究员宋彦辰认为，相比去年中央经济工作会议"以科技创新引领新质生 产力发展，建设现代化产业体系"的提法，此次会议更加强调新动能培育，且创新驱动的要求更为迫 切，这要求更快推动重点领域关键核心技术攻关，增加创新动能。 制定一体推进教育科技人才发展方案 对于当前的经济形势，会议指出，"我国经济发展中老问题、新挑战仍然不少，外部环境变化影响 加深"。 我国长期以来一直坚持强化企业的创新主体地位，但前沿科技领域往往面临确权难、融资难等问 题。 民生银行首席经济学家温彬建议，未来，要以科技创新与产业需求为导向，推进学科建设与拔尖人 才培养，形成"教育培养人才、人才驱动创新、创新引领产业"的良性循环。 加快推进国际科技创新中心建设 区域方面，会议明确提出，建设北京（京津冀）、上海（长三角）、粤港澳大湾区国际科技创新中 心。这一部署是"十五五"规划建议提到的"完善区域创新体系，布局建设区域科技创新中心和产业科技 创新高地，强化国际科技创新 ...

Core Viewpoint - Ningbo Bank, as a nationally significant bank and a top global bank, focuses on creating value through professionalism and aims to support the real economy with its strategic orientation towards technology finance, green finance, inclusive finance, pension finance, and digital finance during the "14th Five-Year Plan" period [2][3]. Group 1: Financial Performance - As of September 2025, Ningbo Bank's total assets exceeded 3.5 trillion yuan, reaching 35,783.96 billion yuan, a growth of 14.50% from the beginning of the year, demonstrating strong asset expansion capabilities [2]. - The net profit attributable to shareholders for the first three quarters was 22.445 billion yuan, an increase of 8.39% year-on-year, indicating stable profit growth despite challenging external conditions [2][3]. - The non-performing loan ratio remained stable at 0.76%, with a provision coverage ratio of 375.92%, showcasing the bank's strong risk management capabilities [3]. Group 2: Technology Finance - Ningbo Bank has established a dedicated Technology Finance Department to provide comprehensive financial services for technology enterprises, focusing on their core needs across funding, technology, industry, and supply chains [4]. - The bank has successfully set up a 500 million yuan industrial fund in Jiaxing, enhancing project success rates to over 50% through a closed-loop system of fund investment and project implementation [5]. Group 3: Green Finance - By mid-2025, Ningbo Bank's green loan balance reached 68.814 billion yuan, an increase of 18.270 billion yuan from the beginning of the year, supporting the transition to a low-carbon economy [6]. - The bank issued five green bonds with a total amount of 7 billion yuan, and invested in 57 green bonds, holding a balance of 2.626 billion yuan [7]. Group 4: Inclusive Finance - In the first half of 2025, Ningbo Bank provided over 38 billion yuan in credit support to more than 20,000 small and micro enterprises, demonstrating its commitment to inclusive finance [8]. - The bank's "Bobo Zhila" platform offers comprehensive services, including carbon calculation and declaration, supporting enterprises in navigating development challenges [9]. Group 5: Pension Finance - Ningbo Bank's pension loan balance reached 790 million yuan by mid-2025, a significant increase of 273% from the beginning of the year, reflecting its focus on the aging population's financial needs [10]. - The bank has launched 170 personal pension products, catering to various age groups and risk preferences, enhancing wealth accumulation for residents [10]. Group 6: Digital Finance - Ningbo Bank has upgraded its digital product offerings, including the "Kunpeng Treasury" and "Financial Manager," to enhance service efficiency for enterprises [12]. - The bank has successfully facilitated equipment mortgage financing for manufacturing enterprises, alleviating financial pressures on small and medium-sized businesses [12][13].

Core Viewpoint - The central financial work conference during the "14th Five-Year Plan" period emphasizes the goal of accelerating the construction of a financial power, aiming to create a capital market that is "safe, standardized, transparent, open, vibrant, and resilient" to promote high-quality financial development in the new era [1] Group 1: Company Development and Strategy - The company is committed to implementing the spirit of the 20th National Congress of the Communist Party and the series of important instructions from General Secretary Xi Jinping regarding financial work, focusing on a path of financial development with Chinese characteristics [1][2] - The number of party branches within the company increased from 4 to 21 during the "14th Five-Year Plan," with the proportion of party members rising from 12% to 20%, enhancing the grassroots party organization's role [2] - The company has been recognized for its strong leadership and core competitiveness, with continuous improvement in various operational indicators [2] Group 2: Focus on Core Business - The company focuses on its main responsibilities, utilizing the futures market for price discovery, risk management, and resource allocation to support the stable development of real enterprises [3] - In serving technology finance, the company has expanded its services to national-level specialized and innovative enterprises, providing comprehensive solutions such as hedging and consulting [3] - The company has established a significant advantage in green finance, contributing to the industrial chains of industrial silicon, lithium carbonate, and polysilicon, while also participating in the preparation for the listing of electricity and carbon emission rights [3] Group 3: Social Responsibility and Financial Inclusion - The company has successfully conducted 445 "insurance + futures" projects, benefiting nearly 250,000 farmers with compensation exceeding 200 million yuan [4] - It has established a public welfare futures trader education base in Chongqing, producing over 4,000 original educational materials and reaching more than 750,000 people since its operation began in October 2021 [4] - The company is enhancing its professional service capabilities in pension finance and has introduced age-friendly services to protect investor rights [4] Group 4: Regional Development - The company has been deeply involved in the "智融惠畅" project in Chongqing, assisting in the establishment of the first log futures delivery warehouse and enhancing regional resource allocation capabilities [5][6] - It provides risk management services to traditional and emerging industries in Chongqing, contributing to the growth of the "33618" modern manufacturing cluster [6] Group 5: Collaborative Development - The company is strengthening internal and external collaboration to enhance customer service quality, building a comprehensive business advantage through a nationwide collaborative network [7] - It integrates services with various stakeholders, including government, exchanges, and educational institutions, to expand its service ecosystem and enhance brand image [7] Group 6: Risk Management - The implementation of the futures and derivatives law during the "14th Five-Year Plan" is crucial for the industry to serve the real economy and mitigate financial risks [8] - The company is enhancing its risk prevention and compliance management systems, focusing on early detection and resolution of risks [8] Group 7: Future Outlook - As the "15th Five-Year Plan" begins, the company aims to continue its commitment to serving the real economy, focusing on financial innovation and risk management to support national strategic goals [9]

在相当长的一段时间内，企业不敢投、不愿投、不能投是原始研发迈向产业化的"三重困境"。对此，西 部科学城重庆高新区（简称"重庆高新区"）深耕科技成果转化机制改革"试验田"，让科技金融成为打通 科技成果转化"最后一公里"的重要引擎，变革的种子已然破土，更多"政策红利"正在转化为"创新动 力"。 直面"成长烦恼"：从"三重困境"到"三新机制" 实验室里的每一项原始创新，都是产业化蓝海的潜在航标；科研人员的每一次技术坚守，都需跨越科技 成果转化的现实鸿沟。 党的二十届四中全会提出，"加快高水平科技自立自强，引领发展新质生产力"。科技部等七部门联合发 布《加快构建科技金融体制有力支撑高水平科技自立自强的若干政策举措》（以下简称《政策举措》） 已落地半年有余。面对现实问题，各地区各部门在政策指引下，积极尝试以"金融+科技"解题。 面对"三重困境"，重庆高新区跳出传统思维定式，通过系统性制度创新，构建适配科创企业全生命周期 的金融服务体系，引导长期资本、耐心资本投早、投小、投长期、投硬科技。 破局，始于规划设计的重构。为破解传统金融逻辑与科技创新规律不适配的难题，重庆高新区设计了一 套由多部门联合推动的"3+4+X"创新机 ...

Core Viewpoint - The company has developed an action plan titled "Quality Improvement, Efficiency Enhancement, and Return to Shareholders" to align with national policies and enhance its operational quality and investor value [1][2]. Group 1: Business Performance - The company has maintained stable operating performance, with total assets of 155.42 billion and net assets attributable to shareholders of 44.40 billion as of the end of Q3 2025 [2] - For the first three quarters of 2025, the company achieved total operating revenue of 5.19 billion and net profit attributable to shareholders of 754 million [2]. Group 2: Financial Responsibility - The company emphasizes its financial mission by providing comprehensive financial services to support the real economy, focusing on traditional industry upgrades and new industry cultivation [3]. - The company has conducted 10 cash dividend distributions since its financial restructuring in 2017, totaling 5.11 billion, and aims to continue reasonable cash dividends to shareholders [6]. Group 3: Investor Communication - The company prioritizes investor relations management, enhancing communication through various platforms and events to convey its investment value and maintain market confidence [7]. - In 2025, the company plans to implement a market value management system and conduct at least three performance briefings to address investor concerns [7]. Group 4: Corporate Governance - The company is committed to strengthening internal management and decision-making processes to protect the rights of minority investors and ensure a robust governance structure [8]. - The company has revised its articles of association and governance rules to enhance the standardization and transparency of board operations [8]. Group 5: Compliance and Responsibility - The company emphasizes the responsibility of key personnel and maintains close communication with major stakeholders to ensure compliance with regulations and internal policies [9]. - In 2025, the company will focus on updating internal management systems in response to regulatory changes and enhancing the compliance awareness of its key personnel [9].

Core Insights - The Bank of China Jining Branch focuses on financing needs in key areas for small and micro enterprises, significantly increasing financial support [1] - As of November 28, the branch's inclusive small and micro loans exceeded 9 billion, effectively providing targeted financial support to numerous enterprises [1] Group 1: Product Innovation - The bank has enriched its product offerings this year, launching several innovative loan products such as "Housing Credit Increase Loan" and "Veteran Entrepreneurship Guarantee Loan," which are the first of their kind in the province [1] - These initiatives effectively broaden financing channels for enterprises and alleviate financing bottlenecks for specific customer groups [1] Group 2: Focus on Technological Innovation - The bank has increased investment in technology finance to support the development of new productive forces, providing robust financial backing for small and micro tech enterprises [1] - It has successfully launched the "Bank of China Tech Innovation Credit Loan" and "Quick Loan for Tech Enterprises," marking the first issuance of these products in the province [1] Group 3: Service Expansion - The bank is deepening its focus on unique scenarios, continuously enriching its customer base by exploring business innovations [1] - It has introduced a service plan called "Jinxiang Garlic Loan" to support agricultural development, effectively expanding financial service coverage for small and micro market entities [1] Group 4: Future Commitment - The bank plans to implement more robust and heartfelt service measures to empower the development of small and micro market entities, contributing to the high-quality development of the local real economy [2]

与此同时，我国加快推进体制机制改革，高校院所科技成果"不想转、不敢转、不会转"难题逐步破 解。完善科技成果转化服务体系，科技成果转化生态进一步优化。加快构建与科技创新相适应的科技金 融体制，赋能科技成果转化取得积极成效。 报告也指出了我国科技成果转化工作存在的问题，包括高质量科技成果供给不足、企业科技成果转 化主体作用发挥不够、科技成果转化体制机制还存在障碍、科技成果转化专业化服务能力不强、科技金 融支持成果转化效能亟待加强。 根据报告，下一步，我国将加快制定相关政策措施，加强原始创新和关键技术攻关，推动科技创新 和产业创新深度融合，进一步深化科技成果转化机制改革，提升科技成果转化服务能力，构建覆盖科技 成果转化全链条的金融服务体系，推动我国科技成果转化工作再上新台阶，有力支撑新质生产力发展。 新华社北京12月22日电（记者 温竞华）国务院关于促进科技成果转化工作情况的报告12月22日提 请十四届全国人大常委会第十九次会议审议。报告显示，"十四五"以来，我国科技成果转化实现量质齐 升，有效推动科技成果向现实生产力转化。 报告显示，2020年到2024年，全国技术合同成交金额从2.83万亿元增长到6.84万亿元 ...