全生命周期金融服务

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加强科技型企业全生命周期金融服务(记者手记)
Ren Min Ri Bao· 2025-10-12 21:59
前不久,相关部门发布通知,组织实施2025年首台(套)重大技术装备保险(以下简称"首台(套)保 险")补偿政策、开展2025年首批次新材料保险(以下简称"首批次保险")补偿资金申请和2026年资格 审定工作,受到企业经营者关注。 调研时,不少企业表示,创新研发的大型装备、高附加值零部件等,可能面临市场推广难题——买方担 心,造价高昂的新设备没有经过市场检验,一旦损坏可能面临较大损失,不愿做"第一个吃螃蟹的人"。 创新成果难推广,一定程度影响制造商研发创新积极性。而首台(套)保险、首批次保险便是"药 方"——装备出故障、企业受损失,保险能"补偿",还可提供安全检测等服务。如此,买方更有底气"试 手"新品,制造商也减轻售后压力。创新成果能更好推广,为企业走自主创新路子强信心、添动力。相 关保险产品因而受到市场欢迎。 党的二十届三中全会《决定》提出,"完善首台(套)、首批次、首版次应用政策"。2015年起,我国开 始实行首台(套)重大技术装备保险补偿机制。近年来,各地积极落实相关政策,助力首台(套)装 备、首批次新材料推广。去年发布的《关于进一步完善首台(套)重大技术装备首批次新材料保险补偿 政策的意见》在保障范围 ...
浙江省首批“浙科联合贷”落地 杭州银行携手同业全生命周期陪伴科技企业成长壮大
Zhong Guo Jing Ji Wang· 2025-09-22 12:33
Core Viewpoint - Hangzhou Bank is committed to serving the real economy and has successfully launched the "Zheke United Loan," a new financing model for technology enterprises, reflecting its long-term efforts in building a specialized technology financial service system [1] Group 1: Overview of "Zheke United Loan" - "Zheke United Loan" is guided by multiple financial and governmental bodies, aiming to address the financing challenges faced by technology enterprises throughout their lifecycle [2] - The loan program includes three sub-products: "Inclusive United Loan," "Growth United Loan," and "Leading United Loan," tailored to meet the diverse financial needs of technology enterprises at different stages [2] Group 2: Focus on Inclusive Financing - The program emphasizes inclusive finance, targeting small and micro technology enterprises that require assistance [3] - A joint service team was established between Hangzhou Bank and Industrial and Commercial Bank of China to provide tailored support to high-growth technology enterprises [3] Group 3: Growth Financing Solutions - The "Growth United Loan" has been customized for a startup medical enterprise, providing a credit line of 12 million yuan with a loan rate 26 basis points lower than the average [5] - This support has enabled the enterprise to meet its funding needs for research, production, and expansion [5] Group 4: Large Demand Financing - The "Leading United Loan" is designed for mature technology enterprises with significant funding needs, offering high credit limits and long terms [6] - A collaboration with Minsheng Bank has facilitated a project that supports a digital healthcare enterprise, enhancing its capacity for innovation and service quality [6] - The program integrates various resources to provide stable and diverse financial support for technology enterprises throughout their growth lifecycle [6]
“贷”动成长、“贷”动升级、“贷”出活力 金融“活水”激活经济发展强劲动力
Yang Shi Wang· 2025-09-20 03:49
Core Insights - The People's Bank of China reported that in the first eight months of 2025, RMB loans increased by 13.46 trillion yuan, with over 90% of new loans directed towards enterprises, totaling 12.22 trillion yuan, indicating strong financial support for the real economy [1] - Key sectors such as technology, green finance, inclusive finance, and agriculture have seen significant loan growth, optimizing the credit structure and injecting strong momentum into the economy [1] Group 1: Technology and Innovation Financing - In 2025, loans to the manufacturing sector showed significant improvement compared to the previous year, particularly for technology-driven enterprises, reflecting high demand for new financing [2] - A financial institution quickly responded to the strong demand for technology loans, providing 50 million yuan to support critical development areas of a company within a week [3] - Anhui province launched a "Joint Growth Plan" to support technology enterprises, attracting over 100 financial institutions, with one "little giant" enterprise receiving 70 million yuan in credit to address urgent R&D funding needs [4][5] Group 2: Agricultural Financing - Since 2025, agricultural loans have been on the rise, with tailored financial services like "fishing boat loans" and "broccoli loans" addressing the unique needs of farmers and fishermen [8] - The Agricultural Bank of China in Tianjin has issued over 30 million yuan in loans to nearly 30 fishermen by integrating fishing vessel valuation and subsidy programs [11] - In Jiangsu province, the introduction of "broccoli loans" has enabled over 30 major growers to expand their planting areas, enhancing production capacity [13] Group 3: Green Finance Initiatives - Local financial institutions have collaborated with industry associations to launch specialized loan products, such as a 50 million yuan "broccoli loan" to support the high-quality development of the broccoli industry [15] - In the context of carbon neutrality goals, innovative financial products have been introduced, such as a 10 million yuan loan for a new materials company aimed at energy-saving technology upgrades, with a 15% lower interest rate compared to traditional loans [16][18] - The establishment of a carbon emission monitoring system in the copper industry has enabled financial institutions to develop differentiated credit policies, supporting low-carbon transitions effectively [20][22][24][27]
全生命周期金融服务,助力“硬科技”企业风雨中长跑
证券时报· 2025-05-26 09:05
Core Viewpoint - "Hard technology" companies in China are facing unprecedented opportunities and challenges in the wave of technological innovation, supported by financial institutions throughout their development stages [1] Financial Support for Technology Innovation - Financial institutions have provided tailored financial services across the lifecycle of "hard technology" companies, from inclusive loans for startups to cross-border financial services for mature companies [1] - The financial system has actively implemented national strategies to support technological innovation, resulting in a significant increase in loans to technology-based SMEs, reaching a balance of 3.3 trillion yuan, with a year-on-year growth of 24% [4] Case Studies of Financial Support - UBTECH Robotics, known as the "first humanoid robot stock," received a 10 million yuan inclusive loan from China Bank during its startup phase, which was crucial for its growth [3] - Longsi Technology faced funding pressures during its product development phase but received timely support from China Bank's "Tech Innovation Loan," which provided unsecured loans [7] - JingTai Technology received 150 million yuan in "Tech Innovation Loans" from China Bank in 2022, which significantly supported its daily operations and R&D [8] Innovation in Financial Services - Shenzhen has seen continuous innovation in financial services, with institutions launching products like "Tech Startup Pass" and "Soaring Loan" to cater to high-growth technology companies [6] - By the first quarter of this year, the loan balance for technology-based enterprises in Shenzhen reached 1.23 trillion yuan, ranking among the highest in the country [6] Expanding Market Opportunities - In response to external changes, technology companies are accelerating innovation and domestic substitution, with 2025 recognized as a pivotal year for humanoid robot commercialization [10] - Multi-tiered capital markets are becoming fertile ground for the growth of technology innovation companies, with various boards supporting strategic emerging industries [10] International Expansion - Technology companies are increasingly looking to expand into overseas markets, with plans to accelerate business development in regions like Europe and the Middle East [11] - Cross-border financial services from institutions like China Bank have been essential for companies like Yujiang Technology in their global expansion efforts [11]
全生命周期金融服务 助力“硬科技”企业风雨中长跑
Zheng Quan Shi Bao· 2025-05-25 18:13
Group 1 - The core viewpoint emphasizes the significant opportunities and challenges faced by "hard technology" companies in China, highlighting the essential role of financial institutions in providing tailored financial services throughout the company's lifecycle [1][2][3] - Financial institutions have actively implemented national strategies to support technological innovation, resulting in a continuous increase in loans to technology-based SMEs, with a loan balance of 3.3 trillion yuan as of March 2025, reflecting a year-on-year growth of 24% [3][4] - The development of innovative financial services, such as "Tech Startup Pass" and "Soaring Loan," has been promoted in Shenzhen, leading to a loan balance of 1.23 trillion yuan for technology companies, positioning Shenzhen as a leader in this sector [4][5] Group 2 - The support from capital markets has been crucial for companies like UBTECH Robotics, which has transformed from a startup to a leading enterprise in the robotics industry, benefiting from significant financial backing during its growth [2][6] - Financial institutions have adjusted their lending practices to support unprofitable tech startups, with banks like China Bank providing unsecured loans to facilitate their growth [5][6] - The introduction of a specialized evaluation model for tech companies by China Bank has enhanced the approval process for loans, particularly for AI-related enterprises, indicating a proactive approach to risk management [6][7] Group 3 - In response to external market changes, technology companies are accelerating innovation and exploring overseas markets, with plans to expand into regions like Europe and the Middle East [7][8] - The establishment of a "Technology Board" in the bond market aims to improve the efficiency of issuing technology innovation bonds, addressing the structural mismatch between traditional credit and the needs of tech innovation [7][8] - Companies like Yujiang Technology have successfully expanded their global presence, supported by comprehensive cross-border financial services from institutions like China Bank, which assist in international investment and capital management [8][9]