Core Insights - The event "Jingcai Unbounded: Economic Heat Station" focused on the theme "Financial Support for Building Dreams in Beijing," highlighting the city's leadership in green finance, technology finance, and digital finance [1] Group 1: Financial Innovations - The Postal Savings Bank of China (PSBC) in Beijing has transformed its branches into social spaces that cater to various life scenarios, integrating advanced technology to enhance customer experience [2][3] - PSBC's first Harmony Eco-Bank in Beijing utilizes the Harmony operating system to merge traditional banking with advanced information technology, improving service efficiency [2][3] - The bank aims to provide comprehensive solutions beyond financial services, focusing on meeting customers' potential needs through innovative partnerships [3] Group 2: Industry Support - PSBC has extended its financial support to key industries such as semiconductors, commercial aerospace, and computing centers, facilitating technological innovation and industrial upgrades [4] - Beijing Bank has developed a digital operation framework to serve over 32 million retail customers, enhancing service delivery through digital tools [5][6] Group 3: Green Finance Initiatives - The Beijing Green Exchange has facilitated over 4.2 million tons of carbon emissions trading, generating over 300 million yuan in transaction volume since the launch of the national voluntary carbon market [8] - The exchange has supported the green transformation of the transportation sector, involving 1.6 million vehicles and government subsidies totaling 21 billion yuan [9] - The establishment of the National Green Technology Trading Center aims to bridge the gap between research institutions, financial entities, and demand-side stakeholders [9]

转自：新华财经 新华财经上海11月21日电（记者 王淑娟）在长三角这片创新沃土上，科技金融正成为连接"实验 室"与"大市场"的关键桥梁。中国农业银行始终以服务国家战略为使命担当，持续完善金融支持科技创 新体系，致力于为金融赋能新质生产力发展探索可行路径。立足上海、辐射长三角，据悉，中国农业银 行长三角创新发展协同会暨"123+"金融赋能科技创新专项活动将于11月25日在上海举办，集中展现农行 服务长三角一体化高质量发展，在科技金融领域的创新实践与协同成效，成为观察其澎湃发展动能的重 要"窗口"。 区域协同"凝心聚力"，共绘一体化发展新画卷 作为我国经济发展最活跃、开放程度最高、创新能力最强的区域之一，长三角以不到全国4%的土地面 积，创造了全国近四分之一的经济总量，区域集成电路、生物医药、人工智能产业规模分别占全国 3/5、1/3和1/3，"一体化"和"高质量"成为区域发展的关键引擎。 此前，农行出台《关于服务长三角区域一体化发展的工作意见》，明确"5+2"金融服务重点，包括强化 一体化客户服务能力、优化一体化产品服务创新、提升一体化风险防控能力、做实一体化组织资源保障 等四个一体化建设，全力做好长三角区域一 ...

Core Viewpoint - China Merchants Bank (CMB) is enhancing its technology finance services to support the high-quality development of technology enterprises, emphasizing the integration of technology innovation and financial services [1][2]. Group 1: Technology Finance Strategy - CMB has a long-standing commitment to integrating technology into financial services, having established its operational philosophy in the early 1990s [2]. - The bank serves over 2.2 billion retail customers and 3.5 million corporate clients, showcasing its extensive reach and experience in the technology sector [2]. - CMB's technology finance strategy focuses on long-term partnerships with technology enterprises, supporting their growth through various nurturing programs [2]. Group 2: Organizational Structure - CMB has developed a "1+20+100" organizational structure for technology finance, which includes one central committee, 20 key branches, and over 100 specialized branches [3]. - This structure aims to enhance service quality and efficiency for technology enterprises by concentrating resources in regions with a high concentration of tech companies [3]. Group 3: Comprehensive Service Solutions - CMB has launched a "4×3" matrix service solution to provide comprehensive financial support throughout the entire lifecycle of technology enterprises [4]. - The service covers four key areas: talent innovation, technology innovation, product innovation, and industry innovation, with tailored financial services for each stage [4]. - The bank collaborates with various stakeholders, including government departments and industry leaders, to create an ecosystem that supports the growth and development of technology enterprises [4].

Core Viewpoint - Shenzhen Construction Bank (Shenzhen Bank) showcases its commitment to supporting the real economy and addressing public concerns through comprehensive financial services at the 19th Shenzhen International Financial Expo, focusing on five key areas of development [2][12]. Group 1: Technology-Driven Financial Services - Shenzhen Bank has established a digital financing platform for small and micro technology enterprises, providing tailored financial products and services, with a technology loan balance exceeding 2.44 trillion yuan, adding over 48 billion yuan in the first ten months of the year [3][5]. - The bank has developed a "circle-chain" service model for leading technology enterprises, offering customized digital industrial chain platforms and serving over 9,000 enterprises nationwide [5]. Group 2: Green Finance Initiatives - Shenzhen Bank has accelerated the innovation of green financial products, achieving a green loan growth rate exceeding 25% this year, significantly higher than the overall loan growth rate [6]. - The bank has actively supported emerging green industries, providing loans to nearly 1,000 enterprises and launching the first batch of "water-saving loans" in collaboration with local associations [6]. Group 3: Inclusive Finance - The bank has focused on enhancing financial services for small and micro enterprises, with a total inclusive loan balance of 364 billion yuan and serving over 106,000 clients as of October 2025 [7][8]. - Shenzhen Bank has implemented a digital and platform-based approach to improve the efficiency of financial services, successfully providing 3.88 million yuan in emergency financing to a small jewelry company [7][8]. Group 4: Elderly Care Financial Services - In response to the aging population, Shenzhen Bank has developed a comprehensive pension financial service system, integrating various products and services to meet the diverse needs of elderly clients [9]. - The bank has established specialized financial service outlets and teams to provide tailored investment and financial education services for seniors [9]. Group 5: Digital Currency Applications - As a pilot institution for digital RMB, Shenzhen Bank has launched the "Digital RMB Smart Payment Worry-Free Platform" to address consumer pain points in the prepaid sector, covering 1,569 merchants and providing services to 960,000 consumers [11]. - The bank plans to expand the application of digital RMB in various prepaid scenarios, including elderly care and sports services [11].

Core Insights - The 19th Shenzhen International Financial Expo showcased the theme of "Global Industrial Financial Center," with an exhibition area of 15,000 square meters and participation from 288 institutions worldwide [2] - Agricultural Bank of China Shenzhen Branch highlighted its dual focus on "Technology Finance + Inclusive Finance," launching the "Shenzhen AI City Travel Card Digital RMB Hard Wallet" as a key product [2][3] Group 1: Product Launch and Features - The "Shenzhen AI City Travel Card" integrates AI, cultural tourism, and finance, addressing key needs of foreign tourists in Shenzhen [3] - The card offers comprehensive services including information on natural attractions, dining, shopping, and tax refund guidance, along with real-time translation for 145 languages [3][4] - The digital RMB hard wallet feature allows foreign visitors to easily obtain and recharge the card using foreign currency or overseas bank cards, enhancing payment convenience [4] Group 2: Strategic Initiatives and Financial Services - The project represents a significant advancement in the application of digital RMB, aligning with national goals to improve payment convenience for foreign visitors [4] - Agricultural Bank of China Shenzhen Branch has been actively promoting digital RMB innovations, including applications in cross-border payments and insurance [5] - The bank's initiatives in technology finance have led to over 13,000 technology enterprises served, with a loan growth rate exceeding 40% [7] Group 3: Inclusive Finance and Community Engagement - The bank showcased products like "Industry Chain Loan" and "Park e-Loan" to support small and micro enterprises, with a small business loan balance exceeding 1.4 trillion yuan [8][9] - The bank has engaged in community outreach through events like "惠企万里行" to connect with businesses and provide tailored financial services [9] - The bank's commitment to agricultural finance was highlighted through innovative applications of digital RMB in agricultural scenarios [9] Group 4: Future Outlook - The expo served as a platform for the bank to communicate its strategic direction focused on technological innovation and service to the real economy [10] - The bank aims to enhance financial supply and service experience, contributing to Shenzhen's development as a global industrial financial center [10]

Core Viewpoint - The People's Bank of China (PBOC) is enhancing financial support for the coordinated development of the Beijing-Tianjin-Hebei region, focusing on advanced industries and technological innovation [1][2] Group 1: Financial Policy and Coordination - The PBOC's coordination mechanism for the Beijing-Tianjin-Hebei region has achieved positive results since its establishment, with improved policy frameworks and work mechanisms [1] - Financing scale in key areas has steadily increased, and the regional financial service system has been continuously improved [1] Group 2: Technological Innovation and Financial Services - The region is home to a significant amount of China's technological innovation achievements, necessitating a focus on technology finance to support high-level self-reliance and the transformation of technological achievements [1] - Financial services will be enhanced in areas such as regional industrial chain collaboration and supply chain integration [1] Group 3: Industry Integration and Financial Support - Industrial integration is identified as a key support for the coordinated development of the region, with a focus on financial support for areas like the decongestion of non-capital functions in Beijing, the construction of Xiong'an New Area, and the integration of transportation [2] - Innovation in financing products such as credit and bonds is encouraged, along with improvements in credit, payment, and digital currency services to facilitate the flow of financial resources within the region [2]

Core Viewpoint - The People's Bank of China (PBOC) is enhancing financial support for the coordinated development of the Beijing-Tianjin-Hebei region, focusing on advanced industries and technological innovation [1][2] Group 1: Financial Policy and Coordination - The PBOC's coordination mechanism for the Beijing-Tianjin-Hebei region has achieved positive results since its establishment, with improved policy frameworks and work mechanisms [1] - Financing scale in key areas has steadily increased, and the regional financial service system has been continuously improved [1] Group 2: Technological Innovation and Financial Services - The region is home to a significant amount of China's technological innovation achievements, necessitating a focus on technology finance to support high-level self-reliance and the transformation of technological achievements [1] - Financial services will be enhanced in areas such as regional industrial chain collaboration and supply chain integration [1] Group 3: Industrial Integration and Financial Support - Industrial integration is identified as a key support for the coordinated development of the region, with a focus on financial support for areas like the relocation of non-capital functions from Beijing, the construction of Xiong'an New Area, and the integration of transportation [2] - The PBOC aims to innovate financing products such as credit and bonds, while optimizing financial services in credit reporting, payments, and digital currency [2] - The goal is to facilitate the rational flow of financial resources within the Beijing-Tianjin-Hebei region to promote comprehensive and high-quality development [2]

证券时报记者吴瞬 近日，在2025深圳国际金融大会上的"科技创新与国际产融结合"全体大会上，众多专家、学者、企业代 表共同就当前科技创新与金融强国等话题展开讨论。在与会人士看来，金融是企业创新的核心支撑，建 设金融强国将为经济高质量发展提供持久动力。 香港证监会原主席、国家金融监督管理总局顾问沈联涛指出，高质量的实体经济需要高质量的金融体 系。强大的金融体系，首先要有强大的法定货币。其次要有预算"硬约束"。最后要有强大的对冲国际货 币风险的能力。具体而言，强大金融体系的本质在于有效对冲风险，并能为基础设施与科技创新等长期 项目提供稳定资金。中国需进一步壮大长期资本力量，如社保基金、保险资金和私募长期基金，完善服 务实体经济的金融供给。 在这一背景下，邹迎光表示，证券公司正围绕科技企业的全生命周期进行深度赋能，构建覆盖早期培 育、多轮融资、并购重组直至资本退出的全链条服务体系。展望未来，证券公司应紧密围绕国家战略， 进一步深化科技金融布局，持续提升国际化能力，并通过科技赋能不断提高服务的精准度。 而在北京大学汇丰商学院院长王鹏飞看来，金融是企业创新的核心支撑，通过提供流动性、发现价值、 分散风险三大作用，从量和 ...

Core Viewpoint - The future industry possesses both strategic importance and high uncertainty, necessitating increased investment while diversifying significant risks [1] Group 1: Investment Strategies - The state should establish a future industry guidance fund, maintaining a "guidance" role rather than becoming the primary investor [1] - The guidance fund should leverage market-oriented patient capital, venture capital, and innovative capital to create a multi-layered, relay-style financing system [1] - Financial innovation space should be left to the market, with regulatory bodies moderately relaxing controls within the framework of technology finance [1] Group 2: Market Dynamics - The future industry is in a multi-path trial-and-error phase, where the presence of bubbles is acceptable, provided they are formed through collective market pursuit rather than government-driven initiatives [1] - Successful paths will emerge after a rigorous selection process, akin to "survival of the fittest" in the market [1]

Group 1 - The 2025 China Securities Investment Banking Summit Forum was successfully held on November 20 at the Shenzhen Convention and Exhibition Center, as part of the 19th Shenzhen International Financial Expo and the 2025 China Financial Institutions Annual Conference [1] - The forum featured key figures from the investment banking sector discussing transformation strategies in the context of capital market changes, with a notable increase in Chinese companies listing in Hong Kong since the second half of 2024 [1] - Hong Kong's IPO market is expected to see a significant increase in activity, with a projected over 200% year-on-year rise in financing scale for 2025, and an average first-day gain of 59.3% for IPO companies [1] Group 2 - Domestic investment banks are focusing on "regional deep cultivation" and "specialized tracks" as core strategies to reshape the competitive landscape amid economic restructuring and accelerated industrial upgrades [1] - Changjiang Securities plans to enhance its deep cultivation model by serving local platform companies, co-establishing funds, and attracting quality enterprises from the industrial chain [1] - The forum included two roundtable discussions on investment banking strategic transformation and the role of technology finance, featuring executives from various securities firms [2] Group 3 - The annual "2025 China Securities Investment Banking Jun Ding Award" results were announced during the forum, recognizing outstanding contributions in the investment banking field [2]