创新之火，需金融之薪。然而科技创新通常风险高、变数多，于银行而言评估难、担保弱。传统授信模 式对此难以适应。 破题之道，在于实践。江苏省区域创新能力位居全国前列，近日，《每日经济新闻》记者走访江苏。 这里的探索，不再纠结于抵押物，而是用"苏创积分"为创新"画像"；这里的实践，不再满足于单一信 贷，而是构建了从技术转化到数字赋能的"生态雨林"。 创设产品："苏创积分贷"助企业发展 "这个是核磁共振波谱仪，解析分子结构的。"透过玻璃，工作人员指着实验室内一个比人还高的银色钢 罐介绍道。 走进南京生物医药谷的全国高校生物医药区域技术转移转化中心（江苏南京）（以下简称南京生物医药 分中心）大楼，仿佛步入一个集成多所高校实验室的科研综合体。 走廊一侧，各实验室门外标注着来自不同高校教师的孵化项目——上海交通大学路慧丽副研究员的细胞 因子药物项目实验室，紧邻的是中国药科大学郭青龙教授团队黄芩素外用制剂项目实验室。 "生物医药（产业）对资金的需求量大，而且需要连续不断支持。中间任何一个环节出问题，可能整个 项目都走不下去了。"南京生物医药分中心副主任吴昊告诉记者，该平台专门从事高校科研成果转化。 针对高校生物医药转化项目普 ...

Core Points - China Securities Index Co., Ltd. plans to launch two new indices on November 7, 2025, namely the China Securities Innovation Drug Index and the China Securities Medical Device Index, to provide additional investment options for the market [1][2]. Group 1 - The China Securities Innovation Drug Index will select listed companies from the Sci-Tech Innovation Board and the ChiNext Board that are involved in innovative drug research and related services, reflecting the overall performance of this sector [1][2]. - The China Securities Medical Device Index will select listed companies from the Sci-Tech Innovation Board and the ChiNext Board that provide medical devices and related services, reflecting the overall performance of the medical device sector [1][2].

Group 1 - The event aimed to promote financial knowledge and rational investment concepts among youth, aligning with the "New Era, New Fund, New Value" initiative for high-quality development in the public fund industry [1][3] - The event featured a presentation by Zhang Yilin from Jianxin Fund, focusing on the significance of technology innovation in driving high-quality development and the investment value of technology innovation indices [2][3] - The public fund industry in China is entering a critical phase of deepening reforms and enhancing efficiency, with a focus on improving investment capabilities and optimizing customer experience [3] Group 2 - The event included interactive Q&A sessions, allowing students to engage with fund managers and discuss career development, thereby bridging the gap between theoretical learning and investment practice [2][3] - The initiative is supported by the Beijing Securities Regulatory Bureau and involves over forty public fund management firms, aiming to enhance investor education and protection while promoting the transformation of the public fund industry [3]

Core Viewpoint - The article highlights the successful implementation of the financing coordination mechanism for small and micro enterprises in Zhejiang, showcasing innovative financing models and significant loan disbursements to address the financing difficulties faced by these businesses [1][2]. Group 1: Financing Coordination Mechanism - Since the launch of the financing coordination mechanism, Zhejiang has visited 4.13 million enterprises, with 982,000 included in the recommendation list, and 963,000 receiving credit support, totaling loan disbursements of 2.6 trillion yuan [2]. - As of May, the balance of inclusive loans for small and micro enterprises in Zhejiang reached 5.5 trillion yuan, ranking first in the country [2]. Group 2: Innovative Financing Models - The "Science and Technology Innovation Index" financing model and the "No Repayment Renewal Loan" have been introduced to provide new solutions for small and micro enterprises [2]. - The "Science and Technology Innovation Index" evaluates enterprises based on 11 indicators, allowing banks to assess and provide credit based on the innovation capabilities of the businesses [3]. Group 3: Data-Driven Financing Solutions - The "Zhejiang Silver Good Standard" evaluation system categorizes clients based on their social value contributions, enabling banks to provide tailored financing solutions, such as the "Inclusive Digital Loan" which was disbursed within 2 working days [8]. - The "Silver-Tax Interaction" model allows banks to assess enterprises based on tax compliance and operational stability, facilitating rapid loan approvals [9]. Group 4: Cost Reduction Measures - The introduction of the "No Repayment Renewal Loan" policy has significantly reduced financing costs for enterprises, allowing for the extension of existing loans without additional repayment burdens [10][11]. - The establishment of a marine economy financing coordination mechanism aims to support the high-quality development of the marine industry by addressing its unique financing challenges [10]. Group 5: Support for Startups - The financing coordination mechanism has enabled startups to receive credit support despite limited financial history, with one startup obtaining a credit limit of over 4.2 million yuan shortly after its establishment [12][13]. - The mechanism encourages banks to adopt a more flexible approach to lending, allowing for quicker access to funds for businesses in their early stages [14].