近期召开的中央经济工作会议提出，创新科技金融服务。多位业内人士表示，科技金融服务的难点在于，如 何提升金融服务与科技型企业需求的适配度，以及如何在此基础上实现收益与风险均衡。为此，金融服务要 从看财报转向看人才看技术，从看过去转向看未来，充分挖掘人才和技术的成长潜力，凝聚多方合力，构建 科技金融服务生态圈。 挖掘人力资本价值 金融服务科技型企业，难点之一是如何准确评估企业的成长性。对于债务融资来说，还涉及如何评估企业的 偿债能力、信用风险等问题。科技型企业大多具有轻资产特征，抵押物普遍不足，加上部分行业的研发周期 长、资金投入量大，部分企业的现金流也不充裕。怎么办？当前，部分金融机构正在探索挖掘企业的人才资 源价值，从人才的成长性看企业的成长性。 "金融服务科技创新，一要看人才，二要看技术，通过一套专属的评级模型，将这些软信息转变为能够为企业 增信的硬指标。"浙商银行公司银行部副总经理李林表示，该行持续探索以"人才银行"为底座的科技金融服务 体系，尤其是今年以来，将科技金融作为全行的战略性业务，迭代推出"善科陪伴计划"，为科技型企业提供 全生命周期的综合金融服务。截至2025年11月末，浙商银行已服务科技型企 ...

为贯彻落实《国家金融监督管理总局 国家知识产权局 国家版权局关于印发〈知识产权金融生态综合试 点工作方案〉的通知》要求，近日，上海金融监管局、上海市知识产权局、上海市版权局和上海市委金 融办联合印发《上海推进知识产权金融生态综合试点工作的行动方案》（以下简称"《行动方案》"）。 《行动方案》聚焦推进上海市知识产权金融生态综合试点工作，力争至2027年年末，上海市基本建成服 务便捷高效、信息共享畅通、体制机制完备的知识产权金融生态综合试验区，推动辖内知识产权金融服 务能力显著提升、覆盖面有效扩大，知识产权质押融资渗透水平逐年提高，质押贷款余额增速高于辖内 科技贷款增速。 中经记者 郝亚娟 夏欣 上海、北京报道 二是优化知识产权金融服务质效。优化知识产权金融产品开发，提升综合服务质效；深化"入园入企"对 接机制，完善伙伴生态圈；用好各项利好政策，强化政策效应传导。 三是完善知识产权金融外部环境。完善配套设施建设，提供"一站式"线上办理服务；强化知识产权价值 评估标准化建设，研究制定规范指引；探索知识产权质押押品处置机制，丰富处置手段；提高知识产权 交易活跃度，提升价值发现；构建立体化风险管控框架，多元化解风险；加 ...

来源：上海证券报·中国证券网 上证报中国证券网讯（记者 何奎）记者26日获悉，上海金融监管局、上海市知识产权局、上海市版权 局和上海市委金融办联合印发《上海推进知识产权金融生态综合试点工作行动方案》（以下简称《行动 方案》）。 《行动方案》聚焦推进上海知识产权金融生态综合试点工作，力争至2027年末上海基本建成服务便捷高 效、信息共享畅通、体制机制完备的知识产权金融生态综合试验区，推动辖内知识产权金融服务能力显 著提升、覆盖面有效扩大，知识产权质押融资渗透水平逐年提高，质押贷款余额增速高于辖内科技贷款 增速。 《行动方案》提出三方面落实举措，包括： 一是提升知识产权金融服务能力。提高知识产权金融服务专业度，培养专业队伍；完善知识产权金融业 务考核机制，给予资源倾斜；健全知识产权质押融资评估机制，鼓励采取内评外评相结合模式；细化落 实知识产权质押融资尽职免责制度，推动银行敢贷愿贷；强化知识产权质押融资业务全流程管理，落实 知识产权质押登记全面线上化办理；提高知识产权质押融资数字化运用水平，提升服务便利性。 上海金融监管局表示，下一步，将会同上海市相关部门，持续指导辖内银行保险机构强化专业能力，升 级服务效能，不 ...

12月26日金融一线消息，上海金融监管局、上海市知识产权局、上海市版权局、上海市委金融办印发 《上海推进知识产权金融生态综合试点工作行动方案》的通知。其中提出，提高知识产权金融服务专业 度。推动辖内金融机构提升专业化水平，打造专业化队伍。指导商业银行完善专门的知识产权质押融资 管理制度，研究制定知识产权质押融资业务的支持政策。持续指导建设科技支行、科技特色支行和知识 产权质押贷款特色网点，培养知识产权质押融资业务专业人才及团队，提升知识产权质押融资服务专业 性。指导保险机构加强专业队伍培育，提升服务能力。加大知识产权金融业务培训和政策宣介力度，有 效提升基层业务水平。 责任编辑：王馨茹 责任编辑：王馨茹 12月26日金融一线消息，上海金融监管局、上海市知识产权局、上海市版权局、上海市委金融办印发 《上海推进知识产权金融生态综合试点工作行动方案》的通知。其中提出，提高知识产权金融服务专业 度。推动辖内金融机构提升专业化水平，打造专业化队伍。指导商业银行完善专门的知识产权质押融资 管理制度，研究制定知识产权质押融资业务的支持政策。持续指导建设科技支行、科技特色支行和知识 产权质押贷款特色网点，培养知识产权质押融资 ...

不过，参会人士普遍认为，随着政策支持力度的持续加大与市场服务体系的不断完善，知识产权在资本 市场中的价值将得到进一步释放。 文/新浪财经香港站 赵岚 "知渊于智 识贯于行——知识产权专题"第二十九期"深交所·创享荟"在深交所举办。来自政府机构、法 律界、学术界的资深从业者齐聚一堂，共同探讨知识产权保护路径与资本市场赋能创新成果商业转化的 等议题。 企业是创新的主体，研发人员的积极性是创新力的源泉。在会议现场，大族激光法务及知识产权总监付 飞龙对新浪财经表示，公司对于员工完成且已办理软件登记、专利申请的研发成果，都会给予相应奖 励；未来若这些成果实现商业化变现，还会给予收益分成，以此激励研发人员持续产出高质量创新成 果。 在知识产权商业化转化的探索中，质押融资与作价入股为资本市场关注的方向之一。付飞龙表示，公司 对知识产权质押变现、作价入股等模式有一定研究，但在实践中也发现价值评估当中存在的堵点："目 前成本法评估难以真实反映知识产权的市场价值，而市场法又容易出现作价过高或过低的情况。" 新浪财经了解到，这一痛点并非个例。知识产权价值评估存在不确定性高、收益预测难等问题，加之市 场交易信息不足、复合型评估人才短 ...

Core Insights - The article emphasizes the critical role of finance in empowering the real economy, particularly through the innovative financial services provided by Suzhou Bank to support technology-driven enterprises [1][6]. Group 1: Financial Services for Innovation - Suzhou Bank has established a comprehensive financial service system that covers the entire lifecycle of technology enterprises, having served over 13,500 such companies with a total credit amount exceeding 130 billion yuan by the end of September 2025 [1][6]. - The bank has developed a "2+4+N" financial system specifically for technology enterprises, which includes a central committee and specialized departments to ensure efficient service delivery [2][3]. Group 2: Addressing Financing Challenges - Traditional financial services often rely on asset-based evaluations, which can hinder technology enterprises lacking fixed assets. Suzhou Bank has created the "Suxin Innovation Power" evaluation model to assess the intrinsic value of these companies based on innovation metrics [2][3]. - The bank has launched six "Accompanying Series" products that cater to the financial needs of enterprises at various stages, from seed to maturity, addressing challenges in funding for research and development, capacity expansion, and cross-border growth [3][6]. Group 3: Knowledge Property Financing - Suzhou Bank has focused on knowledge property financing, completing over 780 registrations with a total amount exceeding 10 billion yuan, positioning itself as a leader in this emerging field [5]. - The bank has been involved in pioneering initiatives, such as the first data intellectual property registration certificate in the banking industry, and has successfully facilitated financing solutions for local enterprises [5]. Group 4: Multi-Dimensional Support - The bank extends its services beyond technology finance to include green development, cross-border trade, and supply chain collaboration, thereby enhancing its support for the broader real economy [6]. - By integrating various resources, including government support and venture capital, Suzhou Bank has created a comprehensive support system for technology enterprises, facilitating their growth and innovation [3][6]. Group 5: Future Outlook - As the transformation of the real economy progresses, Suzhou Bank aims to strengthen its financial capabilities to support more technology enterprises, contributing to sustainable and high-quality regional economic development [7].

Core Insights - Anhui Province is actively developing into a significant hub for technological innovation, with Hefei City as a focal point for tech enterprises, supported by financial institutions like Huishang Bank [1] Group 1: Financial Support for Tech Enterprises - Huishang Bank has created a specialized product matrix and improved its financial service system to enhance support for technological innovation in Anhui [1] - A specific tech company in Hefei benefited from Huishang Bank's financial support, receiving a total of 410,000 yuan in loans to address initial funding shortages and support growth during key e-commerce events [2] - The bank's "Common Growth Plan" allows tech companies to secure long-term, low-cost financing while providing banks with priority in various financial services [3] Group 2: Innovative Financial Products - Huishang Bank has developed a comprehensive financial product system tailored to the lifecycle of tech enterprises, including products like "Tech Talent Loan," "Tech R&D Loan," and "Tech Achievement Transformation Loan" [4] - The bank has introduced an online loan product called "Knowledge e-loan," which allows tech companies to leverage their intellectual property for financing, with a maximum credit limit of 10 million yuan [5] - Since the launch of the "Knowledge e-loan" in May, the loan balance has exceeded 300 million yuan, demonstrating the effectiveness of the bank's innovative approach to financing [5] Group 3: Commitment to Local Economic Development - Huishang Bank aims to support the "Three Regions and One District" initiative in Anhui, focusing on high-quality economic development and industrial transformation [5] - The bank is committed to enhancing its role in the local economy by promoting various financial sectors, including technology finance, green finance, inclusive finance, pension finance, and digital finance [5]

Core Viewpoint - Anhui Province is actively developing into a significant hub for technological innovation, with Hefei City as a focal point for tech enterprises, supported by financial institutions like Huishang Bank to enhance the quality of financial services for tech innovation [1] Group 1: Financial Support for Tech Enterprises - Huishang Bank has created a specialized product matrix and improved its financial service system to support the growth of tech companies in Anhui [1] - A specific tech company in Hefei benefited from Huishang Bank's financial support, receiving a total of 410 million yuan in loans to address its funding challenges during its early stages [2] - The bank's proactive approach included assessing the company's potential despite its lack of collateral and providing timely financial assistance [2] Group 2: Joint Growth Plan - The People's Bank of China in Anhui initiated the "Joint Growth Plan" to address the mismatch of risk and return in tech financing, allowing companies to secure long-term, low-cost financing [3] - Huishang Bank was among the first to participate in this plan, offering a 15 million yuan credit line to the tech company under a three-year agreement [3] - This plan enables banks to gain priority in various financial services while providing companies with stable funding [3] Group 3: Technology and Financial Integration - Huishang Bank aims to explore new models for high-quality development in tech finance, with over 13,000 tech loan accounts and a balance exceeding 210 billion yuan as of September 2025 [4] - The bank has established a specialized organizational structure to enhance its service coverage for tech enterprises, developing a comprehensive suite of financial products tailored to different stages of a company's lifecycle [4] - A "Technology Flow" evaluation system has been developed to assess tech companies based on their innovation capabilities, complementing traditional financial assessment methods [4] Group 4: Intellectual Property Financing - Huishang Bank has innovated a self-assessment system for intellectual property value and launched an online pledge loan product called "Zhi e Loan" to facilitate financing for tech companies [6] - This product allows companies to convert their intellectual property into financial resources, with a credit limit of up to 10 million yuan and a maximum term of three years [6] - Since its launch, the "Zhi e Loan" product has seen a loan balance exceeding 300 million yuan, indicating strong demand for intellectual property financing solutions [6] Group 5: Commitment to Local Economic Development - Huishang Bank is committed to supporting the local economy by focusing on various financial sectors, including tech finance, green finance, inclusive finance, pension finance, and digital finance [5][6] - The bank aims to contribute significantly to the high-quality development of Anhui Province by aligning its strategies with local development goals [5][6]

Core Insights - The Wuhan Intellectual Property Protection Center has saved local enterprises over 100 million yuan in R&D costs since 2025, with related patent products achieving sales exceeding 700 million yuan, covering key areas such as intelligent manufacturing and optoelectronic information [1][2] Group 1: Economic Impact - The patent navigation service has significantly contributed to the economic benefits of enterprises by transforming innovation outcomes into tangible economic gains [1] - The center's efforts have led to over 50 enterprises receiving financial support and facilitated the transfer and transformation of more than 100 pre-examined patents [2] Group 2: Service Enhancements - The optimization of pre-examination processes and enhanced guidance have notably improved patent application quality and authorization efficiency [2] - A specialized "Intellectual Property + Finance" service team has been established to provide diverse support, including one-on-one services and patent asset evaluations [2] Group 3: Future Plans - The Wuhan Intellectual Property Protection Center aims to continuously improve the rapid pre-examination mechanism and deepen patent navigation services to foster a better innovation ecosystem for the high-quality development of key industries in Wuhan [2]

Core Insights - Hezhong Bank is innovating in the field of intellectual property financing by launching the "Zhi e Loan" product and the "Zhi e Xing" initiative to support the construction of the "Three Places and One Area" in Anhui, aiming to enhance the financial ecosystem for intellectual property [1][2][4] Group 1: Intellectual Property Financing Initiatives - The "Zhi e Xing" initiative aims to create a new financial service ecosystem for intellectual property, targeting over 1,000 key enterprises in strategic emerging industries by the end of 2026 [1] - Hezhong Bank has developed an online self-assessment system for intellectual property and launched the "Zhi e Loan" product, allowing companies to secure loans up to 10 million yuan with a maximum term of 3 years [2][3] - Since its launch in May, Hezhong Bank has provided credit limits exceeding 1.2 billion yuan to nearly 500 technology-based enterprises [3] Group 2: Case Studies and Impact - Anhui Hengtai Intelligent Manufacturing Co., Ltd. successfully secured over 4 million yuan in loans through the "Zhi e Loan" product, addressing short-term liquidity issues caused by increased raw material procurement needs [2] - Hezhong Bank facilitated a 500,000 yuan loan for Anhui Jinguoyuan Traditional Chinese Medicine Co., Ltd. within three working days, demonstrating the efficiency of the "Zhi e Loan" product [4] - The bank's initiatives are rapidly gaining traction across various cities in Anhui, reflecting its commitment to high-quality development in technology finance [4][5] Group 3: Strategic Goals and Recognition - Hezhong Bank is focused on building a technology finance ecosystem to support the deep integration of technological and industrial innovation, aligning with Anhui's "6178" modernization industrial system [4] - The bank has received multiple accolades for its technology finance services, including the "Science and Technology Innovation Youth Commando Competition" second prize and the "2025 Anhui Youth May Fourth Medal" collective award [5] - The bank aims to empower more technology enterprises through financial support, contributing to sustainable economic growth in Anhui [5]