科技成果转化是新质生产力的"转化器"，更是产业升级的"跳板"。然而，长期以来，"定价难、决 策难、信任难"三大堵点阻碍着专利从"书架"走向"货架"。如何破局？"先使用后付费"是重要一招。它 不仅助力企业切换赛道，更将沉睡的存量专利盘活为产业"活水"。 从流程上看，确权与定价是基础前提。高校希望"有保底"，企业担心"买贵了"，银行则要求"可折 现"。唯有达成三方共识，实现知识产权合理定价，才能完成确权登记与质押备案，为金融介入铺平道 路。 从机制上看，必须充分发挥科技金融的"保险"功能。北京、天津、苏州等地已编制科技保险目录， 正在研发相关金融产品。金融机构可继续丰富险种类型，积极开发如"成果转化失败险""专利被侵权损 失险"等创新产品，保障高校的研发回报与企业的转化收益。 此外，拓宽风险补偿资金池也同样重要。资金池具有"托底、增信、放大"三重价值，核心在于 将"财政种子资金"转化为"多元资本+市场工具"放大器，构建"政府补一点、机构让一点、市场投一点、 保险担一点"的可持续转化机制。天津、浙江等地已开始探索"母池+子池+溢池"模式，引导社会资本共 同参与，真正打通"科技—产业—金融"的良性循环。 总而言之，" ...

人民财讯12月8日电，中共河南省委关于制定河南省国民经济和社会发展第十五个五年规划的建议发 布，其中提到，积极推动现代金融高质量发展。做优做强金融体系，推进地方法人金融机构立足地方、 专注主业、完善治理、错位发展，支持在豫金融机构提供多元化服务。用好多层次资本市场，稳步扩大 债券发行规模，完善企业上市培育体系，提升中原股权交易中心功能作用，积极推进资金入豫，引育长 期资本、耐心资本。大力发展科技、绿色、普惠、养老、数字金融，健全同科技创新相适应的"政银担 保投"联动机制，发展绿色金融市场和碳市场，健全针对民营、小微和涉农主体的普惠金融服务机制， 加大对健康产业、养老产业等的金融支持，加强金融机构数字化转型和数字经济金融服务。健全地方金 融监管体系。完善并购、破产、置换、资产证券化等政策。 ...

在顶层设计上，渤海银行总行党委牵头成立金融"五篇大文章"工作领导小组，并下设科技金融专业领导 小组，紧紧围绕服务发展新质生产力和现代化产业体系建设，研究制定《渤海银行推动科技金融高质量 发展实施方案》，保持经营策略与国家战略同频共振，将科技金融作为战略主赛道深入推进。 渤海银行将深化科技金融产品与服务创新，推动"产学研用"深度融合，助力科技型企业高质量发展，为 服务实体经济、建设金融强国持续贡献力量。 针对中小型科技企业"轻资产、高成长、强专业"的特点，渤海银行推出"渤银科速贷"等专项产品，突破 传统授信模式，聚焦企业知识产权、研发投入、团队构成等"科技流"核心维度开展综合评估。同 时，"人才贷""渤银e链""渤银海纳池"等产品矩阵，覆盖了科技企业从初创、成长到成熟各阶段的金融 需求，为企业提供全过程、全周期、全覆盖的综合金融服务，助力企业优化资金管理、提升运营效率。 通过与京东科技等领先数字科技企业达成战略合作，渤海银行还推出"短e贷"等灵活融资产品，聚焦人 工智能、量子科技、生物技术等前沿领域，支持企业临时性、阶段性资金需求。 （编辑 张博） 在不断丰富金融服务产品谱系的同时，渤海银行放眼区域金融生态，通 ...

Core Insights - The meeting held by the People's Bank of China and the Ministry of Science and Technology signals a shift towards systematic and comprehensive financial services for technology-driven enterprises, moving away from fragmented support [1] Group 1: Customized Financial Solutions - Banks are implementing tailored services for technology companies at different growth stages, focusing on "one enterprise, one policy" to meet diverse funding needs [2] - For early-stage tech firms lacking collateral, banks are introducing specialized credit products and risk-sharing mechanisms, exemplified by Qilu Bank's "Lian Tou Yi Dai" which provided a 10 million yuan credit loan to a startup based on equity investment as a credit endorsement [2] - For growth-stage companies, banks are innovating financial models like "investment-loan linkage" to support large-scale R&D funding, as seen with CITIC Bank's customized financial solutions for a rapidly growing tech firm [3] - Mature companies seeking technological upgrades are receiving low-cost funding through policies like technology innovation and renovation loans, illustrated by the 480 million yuan loan approved for Zhejiang Huilong New Materials [4] Group 2: Enhancing Financial Support Mechanisms - Banks are advised to optimize differentiated financial support strategies, focusing on high-growth, high-risk startups by collaborating with government funds and venture capital [5] - For growth-stage firms, establishing a market-oriented technology evaluation system to quantify soft assets like intellectual property into hard credit is recommended [5] - Mature leading companies should receive integrated services combining commercial and investment banking to facilitate mergers, acquisitions, and supply chain finance [5] Group 3: Collaborative Financing Services - The banking sector is addressing core pain points in financing for tech firms by building collaborative service systems that enhance financing connections and information sharing [6] - Utilizing big data technology, banks are creating intelligent matching mechanisms to convert innovation metrics into quantifiable credit references, improving loan approval efficiency [7] - A standardized patent value assessment system is being developed to convert intellectual property into financing assets, expanding the scale of intellectual property pledge loans [7] Group 4: Strategic Recommendations for Banks - Establishing regular "government-bank-enterprise" platforms to connect with government departments and identify high-potential projects is crucial [8] - Promoting cross-department data sharing to convert core information into financial credit certificates will enhance operational efficiency [8] - Innovating risk-sharing mechanisms through collaboration with government guarantee systems and insurance institutions can systematically reduce credit risks [8]

Core Viewpoint - The 2025 Greater Bay Area Science Forum's Technology Finance Sub-Forum emphasizes the importance of integrating technology and finance in the Guangdong-Hong Kong-Macau Greater Bay Area, marking the first time a dedicated forum on this theme has been established [1][3]. Group 1: Government and Institutional Perspectives - The Guangdong Provincial Department of Science and Technology highlights the strategic significance of technology finance, urging financial resources to be directed towards hard technology and early-stage projects to foster innovation breakthroughs [3]. - The Guangdong Provincial Science and Technology Finance Group aims to empower development through venture capital, project-capital matching, and targeted financial supply to support hard technology projects [4]. - The forum is organized by the Guangdong Provincial Department of Science and Technology, with multiple institutions collaborating to enhance the technology finance ecosystem [4]. Group 2: Financial Market Insights - The forum features discussions on how global capital markets can support technological innovation, with insights from representatives of major financial institutions [5]. - Morgan Stanley emphasizes the critical role of capital in enabling technological breakthroughs and aims to provide comprehensive financial services to clients, including technology companies [5]. - The Greater Bay Area is seen as having a unique advantage in establishing a collaborative mechanism among government, industry, research, and finance to accelerate the technology-industry-finance cycle [6]. Group 3: Infrastructure and Product Launches - The forum launched the Guangdong Province Technology Finance Digital Platform, aimed at integrating enterprise innovation capability data to address mismatches between financial and technological resources [8]. - Multiple cooperation agreements were signed, including the "Inclusive Technology Loan" initiative to enhance credit support for technology-driven enterprises [10]. - Strategic partnerships were formed to create a comprehensive service system for technology enterprises, focusing on financial support throughout their lifecycle [13]. Group 4: Insurance and Risk Management - The forum introduced several technology insurance demonstration clauses to enhance service levels and product innovation in the insurance sector, covering key areas such as artificial intelligence and biotechnology [14]. - The role of technology insurance in supporting the entire lifecycle of technological innovation is emphasized, with a focus on aligning with national strategic needs [6]. Group 5: Future Industry Discussions - A roundtable discussion focused on future industries such as quantum technology, biomanufacturing, and hydrogen energy, exploring investment logic and opportunities within the Greater Bay Area [17][20].

Core Viewpoint - The forum emphasizes the importance of integrating technology and finance in the Guangdong-Hong Kong-Macao Greater Bay Area, aiming to establish a world-class innovation hub and enhance collaboration among various stakeholders [1][2]. Group 1: Forum Highlights - The forum, themed "New Quality Bay Area, Financial Synergy," is the first of its kind focusing on technology finance, reflecting the high expectations from Guangdong, Hong Kong, and Macao for deep integration of technology and finance [1]. - Keynote speeches covered topics such as global capital markets supporting technological innovation and the establishment of a diversified technology finance service system [4]. - The forum featured representatives from major financial institutions and experts discussing the role of capital in technological breakthroughs and the increasing pace of innovation in high-tech enterprises [4][5]. Group 2: Strategic Initiatives - Suggestions for promoting technology-finance integration include directing financial resources towards hard technology and early-stage projects, enhancing knowledge sharing, and fostering cross-sector collaboration [1]. - The Guangdong Provincial Science and Technology Department announced the launch of a technology finance digital platform to address data bottlenecks between enterprises and financial institutions, aiming to improve the matching of financial and technological resources [8]. - Multiple cooperation agreements were signed during the forum, including a strategic partnership between Guangdong Yueke Financial Group and Bank of China Guangdong Branch to support technology enterprises with comprehensive financial services [9]. Group 3: Future Industry Focus - A roundtable discussion highlighted future industries such as quantum technology, biomanufacturing, hydrogen energy, nuclear fusion, and embodied intelligence, exploring investment logic and opportunities in the Greater Bay Area [10]. - The forum aimed to provide practical insights for early-stage investments in hard technology, emphasizing the need for a collaborative approach among various stakeholders in the innovation ecosystem [10].

Core Viewpoint - The insurance industry must innovate products and utilize funds to support the construction of a modern industrial system and the development of new productive forces, facilitating the efficient transformation of technological achievements into real productivity [3][5][16]. Group 1: Current Status of Technology Insurance - As of 2024, technology insurance in China is expected to provide over 90 trillion yuan in insurance coverage for technological innovation activities, with insurance companies investing over 600 billion yuan in technology enterprises [3][5][16]. - The technology insurance system has developed 30 types of products covering various stages of technology enterprises, from research and development to market expansion, although its premium scale remains relatively small compared to traditional property insurance [5][18]. Group 2: Complexity of Technology Insurance - The insurance industry faces challenges in developing technology insurance products due to the unique and complex nature of high-tech enterprises, which often lack historical data for accurate risk assessment and pricing [6][19]. - Different technology sectors, such as biomedicine and artificial intelligence, have varying risk structures, complicating the pricing and assessment of insurance products [6][19]. Group 3: Enhancing Service Capabilities - The insurance industry must improve its infrastructure to address high-risk areas by leveraging data and technology, creating a risk assessment system for technology enterprises [7][20]. - Utilizing blockchain technology can enhance the evaluation of intellectual property and provide authoritative data for insurance claims [8][21]. Group 4: Providing Comprehensive Risk Coverage - Insurance institutions should focus on the entire lifecycle of technology enterprises, offering tailored insurance products for different stages, including research, transformation, and industrialization [9][22]. - A layered and categorized insurance system is necessary to address the specific risks faced by technology enterprises at various stages of development [9][22]. Group 5: Role of Patient Capital - Insurance funds, characterized by their long-term and stable nature, can provide essential capital support for technology innovation, particularly for startups and growing enterprises [10][23]. - Establishing specialized investment funds and engaging in venture capital can help alleviate funding bottlenecks for technology enterprises [10][23]. Group 6: Development of Green Insurance - The insurance industry is encouraged to develop green insurance products to support the transition to a low-carbon economy, aligning with national goals for carbon neutrality [11][24]. - Insurance products related to environmental pollution and renewable energy should be expanded to meet the growing market demand for diverse financial products [11][24]. Group 7: Data Asset and Cybersecurity Insurance - The rise of digitalization necessitates the development of insurance products that protect against data breaches and cyber threats, ensuring the security of data transactions [12][25]. - Insurance companies should integrate risk assessment and response measures into their offerings to enhance data security for enterprises and individuals [12][25]. Group 8: Modern Industrial System and New Productive Forces - Building a modern industrial system and developing new productive forces are key tasks for achieving national goals, requiring the insurance industry to adapt its mechanisms to meet evolving demands [13][26].

南方财经记者庞成 广州报道 12月7日，在2025大湾区科学论坛科技金融分论坛现场，中国银行广东省分行（下称"广东中行"） 与广 东省粤科金融集团（下称"粤科金融集团"）战略合作备忘录签约暨"中银粤科投贷通"产品发布仪式顺利 举行。 当前，粤港澳大湾区正全力建设具有全球影响力的国际科技创新中心，而科技金融作为链接创新链、产 业链与资金链的关键纽带，已成为驱动湾区科创事业发展的核心力量。为期三天的2025大湾区科学论坛 以"智创湾区 产研共融"为主题，云集国内外顶尖院士与科学家，聚焦前沿技术及新兴产业发展，为科 技创新与产业融合建言献策。 此次大湾区科学论坛首次设立的科技金融专场，以"新质湾区 金融聚力"为主题，汇聚了专家学者、创 投机构、金融机构及科技企业代表，旨在搭建高效产融对接平台，破解金融支持科技创新的堵点难点。 作为国内首家省级科技金融集团，粤科金融集团在市场化募资领域领跑全国，始终坚守"投早、投小、 投硬科技"初心，在行业研判、技术评估、团队尽调等方面积累了深厚专业优势；广东中行深耕科技金 融赛道成果斐然，科技贷款授信余额稳居全市场第一，在资金规模、网络渠道、信贷服务等方面具备强 大实力。双方缔结长 ...

通过战略合作备忘录的签订，双方将围绕多领域展开深度协同，催化双方优势发生"化学反应"。现场发 布的"中银粤科投贷通"，正是双方协同的"拳头产品"。 该产品打破传统"信贷+直投"割裂模式，依托粤科"早期项目库"与中行"技术流"评估模型，为种子期至 成长期企业提供"股权融资+债权融资"联动服务：粤科旗下基金可提前锁定优质项目，中行则根据企业 发展阶段匹配信贷，形成"发现—培育—成长"的闭环支持。 南方财经记者庞成 见习记者王达毓 广州报道 12月7日，在2025大湾区科学论坛，作为首届科技金融分论坛的承办单位，中国银行广东省分行与粤科 金融集团签订战略合作备忘录并共同发布"中银粤科投贷通"产品。该产品的发布不仅是两大机构深耕科 技金融的里程碑，更标志着广东省"科技—产业—金融"深度融合进入全周期协同新阶段。 作为广东科技金融的"先行军"，广东中行早在2012年便建立科技支行，历经超过10年打磨，现已构建 起"总—分—支"三级科技金融服务体系，服务科技型企业约2万户，授信余额市场领先。从初创期"科创 贷"到成熟期"算力贷"，从"创新积分贷"智能模型到全国首笔中试平台贷款，广东中行持续挖掘科技企 业需求，创新产品服务 ...

（原标题：广东省科技厅杨军：?携手营造更具活力的大湾区科技金融生态） 南方财经记者 庞成 广州报道 "粤港澳大湾区建设是国家重大发展战略，全力打造具有全球影响力的国际科技创新中心，是我们肩负 的共同使命"，12月7日，在大湾区科学论坛科技金融分论坛上，广东省科学技术厅党组成员、副厅长杨 军致辞时指出，在此过程中，推动科技与金融深度融合是实现高水平科技自立自强、支撑现代化产业体 系建设的关键路径。 三是聚焦落地见效，共育创新生态。 期待此次论坛不仅是智慧的碰撞，更是一系列合作项目的起点， 共同推动达成的共识、发布的成果、签约的项目早日落地见效，携手营造更具活力、更可持续的大湾区 科技金融生态。 同时，实现"六个跃升前列"， "深圳—香港—广州"创新集群首次跃居全球第一；广东已建成和在建的 国家重大科技基础设施数量跃居全国前列；全省研发经费投入强度排名全国各省、自治区第一；深圳研 发强度跃居全国第一；广东省30所高校254个学科进入全球排名前1%，11所高校39个学科进入全球排名 前1‰，跻身全国前列；2024年我省机构获国家科学技术奖励、获批国家自然科学基金立项数和资助金 额均创历史新高。 回顾过去五年，广东在 ...