12月16日，由上海报业集团指导，智通财经主办的2025第八届界面财经年会在上海盛大举行，本次大会 以"拥抱变革·破局共生"为核心命题，共同探寻中国经济的韧性根基、转型路径与增长新范式，备受瞩 目的2025"优金融奖"也同期揭晓。作为大数据与人工智能双轮驱动的科技金融服务平台，恒生活数科凭 借其在科技金融领域的创新成果与技术优势，与工银瑞信基金管理有限公司和金融壹账通共同荣获 2025"优金融奖"年度科技金融机构殊荣。 恒生活数科荣膺2025"优金融奖"年度科技金融机构 "本次获奖是对我们科技金融服务能力的充分认可，将激励我们通过技术成果转化持续为金融消费者带 来普惠便捷的数智生活新体验。"恒生活数科负责人表示，作为值得托付的科技金融服务机构，未来将 继续聚焦用科技创新诠释务实精神与创新活力，推动"科技+金融"融合发展，助力国家高水平科技自立 自强。 作为科技金融领域的深耕者，恒生活数科本次荣膺2025"优金融奖"年度科技金融机构重磅奖项，与其将 核心技术研发与场景应用作为发展根基的理念息息相关。近年来，恒生活数科将金融服务深度嵌入民生 场景，让技术成果转化为普惠便捷的数智生活服务体验。同时，以数据安全技术筑 ...

Core Insights - The Bank of Communications Shandong Branch provided a 10 million yuan pure credit loan to a national-level specialized and innovative "little giant" enterprise in Shandong, alleviating the financial pressure on the company for R&D and capacity upgrades [1][2] - The "Kechuang Qilu Loan" product was innovatively launched to cater to the characteristics of technology-based enterprises, utilizing six unique assessment methods to meet the financing needs of companies at different growth stages [1][2] - The supported enterprise specializes in the R&D, manufacturing, sales, and maintenance of new energy locomotives, having developed the first battery-powered intelligent locomotive, which fills a gap in the industry [1][2] Financing and Service Efficiency - The Bank of Communications Rizhao Branch quickly formed a dedicated service team to assess the enterprise's technical capabilities and financing needs, completing the entire loan approval process in just three working days [2] - The enterprise's representative expressed that the bank's efficient financial services provided crucial support for their technological breakthroughs and market expansion [2] - Since the launch of the "Kechuang Qilu Loan," over 2,000 technology-based enterprises have been served, with loans exceeding 10 billion yuan, earning multiple honors for financial innovation [2] Future Outlook - The Bank of Communications Shandong Branch plans to deepen its technology financial service mechanisms and enrich its product offerings to continuously inject financial momentum into technological innovation and industrial upgrades in Shandong [2]

Core Viewpoint - China CITIC Bank Hohhot Branch is committed to implementing the spirit of the Central Financial Work Conference, focusing on high-quality development in Inner Mongolia by integrating comprehensive financial services into its management processes [1] Group 1: Technology Finance - The bank prioritizes credit for technology enterprises, enhancing its comprehensive financial service capabilities for these companies [2] - It leverages CITIC Group's unique advantages to create tailored cooperation plans and diverse service models, such as "Tech Innovation E-Loan" [2] - As of Q3 2025, the bank's technology finance loan balance reached 9.6 billion, with general loans increasing by 551 million since the beginning of the year [2] Group 2: Green Finance - The bank positions green finance as a key strategy for supporting high-quality development in the region, offering differentiated financial services based on industry characteristics [3] - It has introduced innovative products like low-carbon/zero-carbon park loans and carbon emission rights pledge financing to address financing challenges for green projects [3] - The green loan balance is nearly 3 billion, with an increase of approximately 400 million since the beginning of the year [3] Group 3: Inclusive Finance - The bank focuses on improving financial services for small and micro enterprises, agriculture, and individual businesses, addressing financing difficulties through fee reductions and process optimization [4] - It promotes the "Credit E-Loan" series and has established a dedicated approval team for inclusive finance, resulting in a nearly 600 million increase in small micro-enterprise loans since the beginning of the year [4] Group 4: Pension Finance - The bank enhances pension financial services, providing convenient options for elderly clients and promoting the establishment of corporate and personal pension plans [5] - It emphasizes innovation in pension financial products and aims to connect these services with health and elderly care [5] Group 5: Digital Finance - The bank is improving the coverage and efficiency of digital financial services, utilizing online products to extend its service reach [6] - It is advancing digital transformation in areas such as digital services, data governance, and AI+BI, while also providing nearly 900 million in loans for big data, blockchain, and cloud computing industries [6] - The bank aims to continue delivering innovative financial measures to support high-quality development in Inner Mongolia [6]

Core Viewpoint - Technology is the foundation of national strength, and the company emphasizes the importance of "technology finance" as a key initiative to enhance its political and social responsibilities in financial work [1] Group 1: Strengthening Top-Level Design - The company has revised its Articles of Association to optimize the positioning of the Board's Strategic Committee, aiming to align its governance system with the strategic deployment of the "Five Major Articles" [3] - A Technology Finance Committee has been established to enhance the organizational structure, creating an efficient four-level working mechanism [3] - By June 2025, the company plans to implement action measures to promote high-quality development in technology finance, focusing on six key areas including organizational optimization and credit service upgrades [3] Group 2: Launching "Jiaoyin Science and Technology Innovation" - The company has integrated resources to launch the "Jiaoyin Science and Technology Innovation" brand, introducing a "4+3" service model to support the growth of technology enterprises [4] - A product system including "Science and Technology Easy Loan," "Easy Investment," "Easy Financing," and "Easy Leasing" has been established to address financing challenges for technology enterprises [4] - The company has developed a proprietary evaluation model for technology enterprises, which is applied across the organization to enhance marketing and risk management processes [4] Group 3: Improving Differentiated Policies - The company has created a dedicated product line for "Science and Technology Easy Loan" tailored to the different stages of enterprise development [5] - By June 2025, the company's technology loan balance is expected to exceed 1.5 trillion yuan, supporting over 63,700 enterprises [5] Group 4: Leveraging Full-License Advantages - The company is utilizing its full-license advantages to facilitate direct financing for technology enterprises, including collaboration with national-level funds [6] - By June 2025, the total financing scale of the company's technology finance is projected to exceed 1.7 trillion yuan [6] Group 5: Promoting Local Implementation - The company is actively implementing technology finance at the local level, optimizing branch organizational structures to establish specialized technology finance institutions [8] - Currently, 30 branches have set up dedicated technology finance organizations, creating nearly 100 specialized technology branches [8] Group 6: Strengthening Group Collaboration - The company is leveraging its integrated operations to provide cross-border financing services for technology enterprises, including loans and overseas listings [9] - The "Jiaoyin Trade and Finance" platform offers various online products to facilitate cross-border settlement and financing services for technology enterprises [9]

Core Viewpoint - Technology is the foundation of national strength, and the company emphasizes the importance of "technology finance" as a key initiative to enhance financial services for technology enterprises, aiming to establish a robust financial service system that aligns with high-level technological self-reliance and national strength in technology [1] Group 1: Strengthening Top-Level Design - The company is revising its articles of association to optimize the positioning of the Board's Strategic Committee, aiming to create a governance system that aligns with the "Five Major Articles" strategic deployment [4] - A Technology Finance Committee is established to enhance the organizational structure, forming an efficient four-level working mechanism [4] - By June 2025, the company plans to implement action measures to promote high-quality development in technology finance, focusing on six key areas including organizational mechanism optimization and credit service system upgrades [4] Group 2: Launching "Jiaoyin Science and Technology Innovation" - The company integrates resources to launch the "Jiaoyin Science and Technology Innovation" brand, introducing a "4+3" service model to support the growth of technology enterprises [6] - A product system including "Science and Technology Easy Loan," "Easy Investment," "Easy Financing," and "Easy Leasing" is established to address financing pain points for technology enterprises [6] - The company develops a proprietary "1+N" evaluation model for technology enterprises, which is applied across the organization to enhance marketing, credit processes, and risk management [6] Group 3: Improving Differentiated Policies - The company creates a dedicated product line for "Science and Technology Easy Loan" tailored to the different stages of enterprise development, promoting an "active credit" innovation model [8] - By June 2025, the company's technology loan balance is expected to exceed 1.5 trillion yuan, supporting 63,700 enterprises [8] Group 4: Leveraging Full License Advantages - The company utilizes its full license advantages to assist technology enterprises in direct financing, enhancing cooperation with national-level guiding funds [10] - By June 2025, the total financing scale of the company's technology finance is projected to exceed 1.7 trillion yuan [10] Group 5: Promoting Technology Finance Expansion - The company emphasizes both top-level design and local implementation, optimizing branch organizational structures to establish specialized technology finance promotion institutions [12] - Currently, 30 branches have set up specialized technology finance organizations, creating nearly 100 technology branches and specialized branches [12] Group 6: Strengthening Group Collaboration - The company leverages its integrated operations to provide cross-border financing services for technology enterprises, including cross-border loans and overseas listings [14] - The "Jiaoyin Trade and Finance" platform offers convenient cross-border settlement and financing services for technology enterprises [14]

Core Viewpoint - The article emphasizes the role of Jianghai Securities in promoting financial culture and social responsibility, aligning with national strategies to build a strong financial nation and support local economic development [1]. Group 1: Financial Culture and Social Responsibility - Jianghai Securities aims to strengthen cultural soft power and fulfill social responsibilities by sharing typical cases and advanced experiences in financial culture [1]. - The company focuses on creating a warm financial brand and providing services that enhance people's well-being, emphasizing the integration of financial services with local needs [2]. Group 2: Financial Services and Innovations - Jianghai Securities has developed a comprehensive financial service system for the elderly, including pension financial products and services, while also enhancing digital accessibility [3]. - The company is committed to technological innovation, implementing a digital transformation strategy to improve service quality and operational efficiency [4][6]. - Jianghai Securities is building a collaborative innovation system to provide diverse financing services for local technology enterprises, promoting a positive cycle between technology, industry, and finance [5]. Group 3: Commitment to Local Economic Development - The company actively supports green finance initiatives, integrating ESG management into its operations and contributing to the development of low-carbon industries [7]. - Jianghai Securities is involved in rural revitalization efforts, enhancing local industry dynamics and supporting public welfare projects to improve living conditions [8]. - The company aims to optimize its financial service supply structure, focusing on innovation and practical service to contribute to the development of new productive forces in the context of China's modernization [8].

Core Insights - The article highlights the transformation of traditional industries in Xiangtan, showcasing companies like Hunan Kailite Pump Industry Co., Ltd., Hunan Hualian Electric Motor Co., Ltd., and Hunan Huazhong Cable Co., Ltd. as examples of successful innovation and adaptation in the face of challenges [2][13] Group 1: Company Innovations - Kailite Pump Industry has developed a new diesel fire pump that passed extreme pressure tests and received international certifications, demonstrating its capability in emergency situations [1] - Hualian Electric Motor is producing high-speed motors that are half the size of traditional motors, suitable for drone applications, reflecting a focus on advanced technology [1] - Huazhong Cable has transformed copper wires into specialized cables for aerospace, rail transportation, and new energy equipment, indicating a shift towards high-tech manufacturing [1] Group 2: Historical Context and Challenges - Xiangtan has a rich industrial history, being a key industrial base in China, but faced significant challenges in the past, including bankruptcy and financial difficulties for companies like Huazhong Cable [2][3] - The companies experienced common challenges such as high R&D costs and lack of collateral for financing, which hindered their growth [2][3] Group 3: Financial Support and Innovation - The transformation of these companies was supported by a comprehensive financial service system that provided targeted funding and support for innovation [2][13] - Huazhong Cable received critical financial support through innovative loan products that focused on technology and R&D potential rather than traditional asset-based lending [6][7] - The People's Bank of China played a crucial role in promoting financial innovation, enabling banks to provide loans based on technological capabilities rather than just financial statements [6][12] Group 4: Market Recognition and Growth - Huazhong Cable has evolved into a "small giant" in the domestic cable industry, with revenue increasing from 1.7 billion yuan in 2020 to over 4 billion yuan in 2024, showcasing its successful market positioning [8][9] - The company is now recognized in the capital market, with plans for a targeted issuance of shares, reflecting a significant turnaround from its previous struggles [8][9] Group 5: Broader Implications for Industry - The success stories of these companies represent a broader trend of transformation in Xiangtan, where many specialized and innovative enterprises are emerging, supported by a robust technology finance ecosystem [9][13] - The financial strategies implemented in Xiangtan could serve as a model for other traditional industrial cities in China seeking to transition to high-quality development [13][15]

超大型风渔融合网箱平台——"伏羲一号"正式投产，高新技术企业培育和科技成果转化跑出"加速度"， 创新岛研发迈入2.0模式……当前，广东汕尾创新浪潮奔涌，科技动能澎湃，而在这背后，金融正悄然 汇聚成推动区域发展的强大引擎。 近年来，中国人民银行汕尾市分行紧扣地方产业特色和科技创新需求，通过创新"一项服务"、强化"一 个抓手"、做优"一种模式"，持续提升科技金融服务的精准性和实效性，为汕尾高质量发展注入"硬 核"动力。截至今年上半年末，全市科技贷款余额410.69亿元，同比增长26.6%。 创新"一项服务" 打破政金企信息壁垒 "作为一家扎根汕尾的企业，我们曾为融资辗转反侧，股权、债权、担保、租赁……每一条路似乎都隔 着'玻璃门'，看得见却难打通。直到'股贷担保租'联动服务队的出现，真正打通了我们企业和金融行业 的'最后一公里'。"海丰县润宝印刷科技有限公司相关负责人激动地说道。 "股贷担保租"联动服务队是在中国人民银行汕尾市分行指导下，由建行汕尾市分行、太平洋财产保险汕 尾分公司等五家机构成立的，专门为科技企业提供股权融资、信贷支持、风险担保、保险保障、设备租 赁等全链条、定制化金融服务的专业团队。 联动服务队 ...

Core Insights - The Central Economic Work Conference emphasizes the importance of aligning financial services with the high-quality development of the real economy, encouraging banks to contribute to the "14th Five-Year Plan" and the upcoming "15th Five-Year Plan" [1][2]. Group 1: Financial Institutions' Responses - Bank employees express a commitment to implementing the conference's spirit, focusing on enhancing service efficiency for small and micro enterprises and technology companies [2]. - Agricultural Bank's focus on rural development and urban-rural integration is reinforced, aiming to inject financial resources into key areas such as industry and rural construction [2]. - Postal Savings Bank plans to leverage its extensive rural network to innovate in property mortgage and digital inclusive finance, aligning with the conference's call for expanding domestic demand [3]. Group 2: Strategic Directions for Banking - The conference highlights the need for innovation-driven growth, guiding banks to deepen their involvement in technology finance and support regional industrial upgrades [4]. - Emphasis on green finance is noted, with banks encouraged to focus on sustainable development and the dual carbon goals, particularly in new energy and green industry sectors [4]. - Construction Bank aims to optimize housing finance policies to meet the needs of new citizens and families, enhancing service efficiency through financial technology [4]. Group 3: Community and Regional Development - Traffic Bank plans to collaborate with government departments to support new economy workers, utilizing its wealth management expertise [5]. - Banks are encouraged to actively participate in local economic development, with a focus on supporting unique regional industries and enhancing financial services [6]. - Postal Savings Bank aims to transform potential consumer demand into a driving force for domestic circulation, focusing on local consumption growth [7].

■ 李 文 科技企业具有轻资产、高成长、高风险的鲜明特征，传统依赖实物抵押的金融产品往往难以满足其融资 需求。创新适配性金融工具，成为破解科技企业融资困境的关键突破口。 在债权融资方面，金融机构积极创新，以知识产权和数据信用替代传统抵押，推出了知识产权质押贷 款、研发贷、技术交易信用贷款等一系列产品，这些创新产品更加注重企业的创新能力、技术优势和市 场前景。例如，全国首单知识产权科技创新资产支持证券于今年9月份落地，该项目通过知识产权证券 化模式，为多家民营科创企业提供了融资支持。 在股权融资领域，股权投资工具侧重于支持原始创新的"第一公里"，为初创科技企业提供关键的启动资 金。对于进入成长期的企业，多层次资本市场与"耐心资本"便开始发挥关键效能。而金融机构在其中发 挥了重要作用，助力科技企业获得稳定的资金支持。 中央经济工作会议于12月10日至11日在北京召开。会议提出，"创新科技金融服务""引导金融机构加力 支持扩大内需、科技创新、中小微企业等重点领域"。 相关部署传递出清晰信号：提升服务科技创新的能力与质效，已然成为2026年金融工作的核心之一。笔 者认为，金融赋能是科技创新的重要支撑。为了提升金融服务 ...