Group 1 - The launch of the "Hainan Province Deep Sea Technology Innovation Points" marks a significant step in digital management and financial innovation for marine technology in Hainan, addressing challenges such as evaluation difficulties, financing issues, and high costs for deep-sea technology enterprises [1] - The Hainan Provincial Oceanic Administration initiated the construction of the "Hainan Province Deep Sea Technology Innovation Points" system as a key measure for the province's "one-stop service for deep-sea technology enterprises," aiming to create an evaluation system tailored to the characteristics of the deep-sea technology industry [1] - The system is a practical implementation of national and provincial policies to strengthen the integration of technology and finance, utilizing data flows to enhance decision-making and funding for the real economy [1] Group 2 - The Hainan Provincial Oceanic Administration will continue to refine the evaluation index system, expand data collection, and deepen cooperation with financial institutions to address the practical difficulties faced by deep-sea technology enterprises [2] - The goal is to transform Hainan into a hub for deep-sea technology innovation and a model for the integration of technology and finance, thereby injecting strong momentum into the high-quality development of Hainan's marine economy [2] - A notice issued by seven ministries, including the Ministry of Science and Technology, encourages the nationwide promotion of the "innovation points system" to help financial institutions better understand the innovation capabilities of enterprises and expand the application of innovation points in the financial sector [2]

Core Insights - The Ministry of Science and Technology has officially announced the list of 61 selected policy measures for the "Innovation Points System," with Nanjing's initiative recognized for its innovative application in government resource allocation [1] - The "Innovation Points System" aims to better connect the demand and supply sides of technology finance by accurately profiling technology enterprises, allowing selected companies to receive support from the central bank's "Technology Innovation Re-loan" program [1] - Nanjing has been a pioneer in implementing the "Innovation Points System," having launched pilot programs in 2022 and partnered with eight banks to offer specialized "Innovation Points Loans," totaling 11.548 billion yuan in credit loans for 1,122 technology SMEs by the end of last year [1] - In 2024, nearly 7,000 innovative enterprises will be recommended for the technology innovation re-loan program, with Nanjing contributing 1,162 enterprises, the highest in the country, and an increase of 1,346 enterprises to 2,508 in the following year, representing a growth rate of 115% [1] Future Plans - The Nanjing Municipal Science and Technology Bureau plans to develop a "Ningke Points+" technology finance support system, collaborating with relevant departments to create various financial products such as "Points Loans," "Points Insurance," "Points Guarantees," and "Points Investments" [2] - This initiative aims to transform technology finance policies into tangible financial support for technology innovation entities [2]

Core Viewpoint - Hunan Province is actively promoting technological innovation and aims to become a strong technology province, with the transformation of scientific and technological achievements as a core engine for development [1] Group 1: Financial Support Initiatives - The "Xiangban Qianxing" plan, launched by the People's Bank of China Hunan Branch and other departments, aims to establish a long-term strategic cooperation relationship among government, finance, and enterprises, providing diversified financial services for technology companies [1][2] - By the end of November 2025, loans to technology enterprises in Hunan Province increased by 12.8%, outpacing the overall loan growth rate by 7.1% [1] - More than 10 financial institutions signed medium to long-term cooperation agreements with 127 enterprises, with a total credit amount of 3.75 billion yuan and loans issued amounting to 1.66 billion yuan [2] Group 2: Innovative Financing Models - The "Xiangban Qianxing" plan promotes innovative financing models such as "investment-loan linkage," providing "accompanying" financial services for early-stage and growth-stage technology companies [3] - The establishment of the Jin Furong Investment Fund aims to create a comprehensive fund matrix to increase investment in technology innovation [4] - The plan includes a combination of policy supports to encourage financial institutions to lend to technology companies, including a special re-loan quota of no less than 10 billion yuan [5] Group 3: Risk Mitigation and Insurance - The integration of technology loans with technology insurance is being promoted to support companies during the trial production phase, providing risk guarantees and credit support [6] - The Hunan Province Technology Financing Guarantee Company has provided special guarantee loans totaling 2 billion yuan to over 340 technology companies [6] Group 4: Innovation Evaluation and Credit Products - The promotion of an "innovation points system" allows banks to use innovation scores as a reference for credit, integrating various data sources to create tailored credit products [7] - By the end of November 2025, over 2,500 technology companies received more than 15 billion yuan in loans through specialized credit products [7] - The establishment of a dedicated evaluation system for technology companies has led to an increase in internal ratings for over 400 companies based on market prospects and R&D capabilities [7]

"这个平台实现了全流程线上化操作，再也不用准备厚厚的纸质材料了，从创新积分评估到贷款审批实 现全自动化，'分钟级'预授信，2个工作日内资金到账，贷款效率大大提高！"内蒙古昊禹环保科技有限 公司财务经理汤之瑞高兴地说。 2025年，中国人民银行包头市分行以科技金融信息化平台为重要抓手，发挥多方合力，打破银企信息壁 垒，精准识别优质科技型企业，推动科技、产业、金融良性循环，全面提升科技型企业金融服务质效。 平台运行以来，已累计入驻科技型企业856家，714家完成积分测评并获得精准画像。包头市金融机构主 动优化产品矩阵，为科技型企业推出"科创贷""积分贷"等多种科技金融特色产品。截至去年11月末，包 头市科技贷款余额1224.61亿元，同比增长6.35%。其中，工行包头分行将"积分贷"整体额度由3000万元 增加至3亿元，交行包头分行推出"积分+批量担保贷"组合产品，推动创新力与融资力双向转化。 汤之瑞口中的平台是由中国人民银行包头市分行联合市科技局等部门共同搭建的包头市科技金融信息化 平台。该平台立足本土，锚定科技型企业融资堵点、难点，通过政银企信息联动为科技型企业精准画 像，让企业创新"软实力"变成融资"硬通货 ...

一方面，目前跨境融资便利化试点的核心准入标准为获得国家或北京市认定的高新技术企业、专精特新 中小企业，或经科技部火炬中心认定的"科技型中小企业"。这样的资格认定标准相对单一，且集中在科 创领域。廖宜建建议拓宽跨境融资便利化的试点准入标准，实行"普惠+定向"的策略。 具体来看，建议取消企业类型限制，将试点适用主体扩大至北京地区所有合规经营、无外汇违规记录的 非金融企业，以"银行综合评估+宏观审慎管理"或者"负面清单管理"替代"资质清单管理"。为体现对科 创企业的定向支持，建设北京科创中心，在现有的外债专项额度下，同时为非科创类企业设立基础额 度，满足其跨境融资需求。对于正在申请高新技术、专精特新等资质的企业，可考虑先由企业提交资质 承诺后即可先行享受政策，待企业资质获得审批后再补充相关文件。对于与双碳项目相关的企业，设立 绿色专项通道。 另一方面，目前政策规定企业自主借用外债额度统一为1000万美元，优质企业依托中关村"创新积分 制"的认定可提升至2000万美元。建议采用更加灵活的额度管理措施，比如对于研发投入高的成长期企 业，或相对成熟的企业，可以考虑适当扩大外债额度；对于成熟的跨国展业的企业，外债额度按照其 ...

很多颠覆性技术需要长期投入，不确定性很大。 "传统的金融机构很难看懂科技型企业的真正价值，财务报表等'静态快照'是企业过去经营情况在当下 的反映，没法洞见未来。"2026年1月16日，在浙江省地方"两会"期间，浙江省政协委员、致公党省委常 委、火石创造科技有限公司董事长金霞在接受《每日经济新闻·城市进化论》记者专访时指出，各地都 在强调"耐心资本"，但只有看得懂才有"耐心"。 浙江省政府工作报告提出，要着力提升创新体系整体效能，积极培育一流创新生态。实施"打造耐心资 本"专项行动，优化全生命周期科技金融服务，引导更多长期资本投早、投小、投硬科技。 金霞向《每日经济新闻·城市进化论》记者（以下简称NBD）表示，"创新积分制"作为新型政策工具， 能够对企业的创新能力进行量化评价，形成精准"画像"，化解金融机构与政府对科技企业"看不懂、看 不准、不敢投"的困境。不久前，科技部发布《"创新积分制"工作指引（2.0版）》，并启动全国"揭榜 挂帅"，浙江牵头或参与了全部四项榜单任务，展现出"走在前列"的决心。 在金霞看来，浙江全面推行"创新积分制"具有数字经济形态丰富、市场主体活力强劲、政策创新意识超 前等三大优势，但要 ...

每经记者｜淡忠奎 每经编辑｜刘艳美 为科技企业"画像"，看得懂才有"耐心" "传统的金融机构很难看懂科技型企业的真正价值，财务报表等'静态快照'是企业过去经营情况在当下的反映，没法洞见未来。"1月16日，在 浙江省"两会"期间，浙江省政协委员、致公党省委常委、火石创造科技有限公司董事长金霞在接受《每日经济新闻》记者（以下简称"NBD"） 专访时指出，各地都在强调"耐心资本"，但只有看得懂才有"耐心"。 浙江省政府工作报告提出，要着力提升创新体系整体效能，积极培育一流创新生态。实施"打造耐心资本"专项行动，优化全生命周期科技金融 服务，引导更多长期资本投早、投小、投硬科技。 金霞认为，"创新积分制"作为新型政策工具，能够对企业的创新能力进行量化评价，形成精准"画像"，化解金融机构与政府对科技企业"看不 懂、看不准、不敢投"的困境。不久前，科技部发布《"创新积分制"工作指引（2.0版）》，并启动全国"揭榜挂帅"，浙江牵头或参与了全部四 项榜单任务，展现出"走在前列"的决心。 在她看来，浙江全面推行"创新积分制"具有数字经济形态丰富、市场主体活力强劲、政策创新意识超前等三大优势，但要推动创新积分制的全 面深化与升级 ...

Core Viewpoint - The "Innovation Points System" has been implemented in Huizhou to help small and medium-sized technology enterprises overcome financing difficulties by quantifying their innovation capabilities and facilitating access to loans [1] Group 1: Innovation Points System - The "Innovation Points System" is a data-driven financial policy tool that quantifies the innovation capabilities of enterprises, aiding financial institutions in identifying technology innovation attributes for credit lending [1] - A specific electronic company in Huizhou increased its innovation points from 11.1 to 80, resulting in a credit limit increase from 800,000 yuan to 8.86 million yuan from Agricultural Bank [1] - The company plans to invest significantly in research and development, with revenue expected to exceed 100 million yuan by 2025 [1] Group 2: Financial Institutions and Support - The Huizhou Enterprise Innovation Points Management System has been launched, with over 3,800 technology enterprises and 17 banks registered on the platform [1] - 15 banks have introduced specialized financial products like "Innovation Points Loans" to support enterprises, creating a bridge for efficient collaboration among government, financial institutions, and technology companies [1] - A total of 2,022 registered enterprises have received bank credit or loans through this system [1]

Group 1 - The Ministry of Science and Technology announced the list of cities selected for the innovative points system, with Handan being the only city in Hebei province to be included [1] - Handan aims to empower regional industrial cluster development through the innovative points system, with a focus on creating a unique indicator system [1] - In February 2024, Handan will implement an enterprise innovation points system, establishing a comprehensive evaluation system with three primary indicators and 25 secondary indicators [1] Group 2 - The financial institutions in Handan have launched specialized credit products such as "Innovation Points Loan" and "Jike Digital Loan," providing 842 billion yuan in loans to 636 enterprises [2] - This initiative effectively addresses the financing difficulties faced by technology enterprises due to the lack of traditional collateral [2] - The provincial science and technology department plans to accelerate the development of replicable and promotable new experiences based on the task requirements [2]

中国青年报客户端讯（中青报·中青网记者 张茜）12月29日，科技部官方网站发布了创新积分制"揭榜挂 帅"入围名单。名单显示，构建创新积分制区域特色指标体系、搭建创新积分制数智底座平台、创新积 分制应用场景拓展、创新积分制在政府资源配置中的创新应用等4项榜单任务共有61项政策举措入围， 包括构建浙江省"创新积分制2.0"特色指标体系、宁波市"研值在线"数智底座建设等。 科技部表示，针对此次入围的政策举措，将对榜单任务实施进展情况组织开展专题调研、专家指导、培 训交流和跟踪评估，督促指导地方高质量实施榜单任务。对于实施过程中涌现出的优秀揭榜举措和做 法，将总结凝练为可复制、可推广的实践成果，在全国范围内推广实施。 来源：中国青年报客户端 据悉，为切实推动《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》落实落地， 2025年10月底，科技部官网发布了《科技部办公厅关于开展创新积分制"揭榜挂帅"的通知》，号召地方 因地制宜"揭榜"。 ...