在南京这片创新热土上，科技型中小企业如同等待破土的种子，其茁壮成长离不开金融"活水"的精准灌 溉。近日，由紫金投资集团旗下紫金担保、创投集团、联交所与合作银行四方联合推出的"投贷保联 动"创新金融服务产品"创易融"成功落地，为南京深入推进科创金融改革试验区建设助力添彩。 紫金担保近年来加快构建多元产品体系，相继推出"紫易担""担易贷""设备担"等多种创新特色产品，以 创新之力多维赋能企业发展，累计为近1万家企业提供了超510亿元的担保服务。紫金担保相关负责人表 示，作为地方金融服务的重要力量，将不断深化改革创新、提升服务效能，持续深化与各方的协同合 作，丰富适配不同产业场景的金融产品，以更精准的担保服务为企业注入动能，为南京现代化产业体系 建设和经济高质量发展贡献坚实的担保力量。 刘晓兰 在工业自动化领域深耕十余年的南京思来智能科技有限公司，近日成功获得990万元"创易融"资金支 持。"这笔'及时雨'解了我们的燃眉之急，让企业研发资金得到充实。"公司相关负责人激动地表示。 "创易融"产品由紫金担保对创投集团管理或参与基金股权投资的企业提供快捷高效的"见投即保"增信服 务；同时依托南京金服平台建立线上申请通道， ...

此次合作创新实现"两突破"：一是突破传统现金支付，付款方式为使用银行承兑汇票，降低了企业融资 成本；二是突破审批效率瓶颈，将周期压缩至20天内；未来还将针对国创汽车的后续研发需求，定 制"设备更新+技术升级"组合直租方案，持续赋能新能源技术攻关。 作为北京市重点培育的新能源汽车技术创新平台，"国创汽车"长期聚焦"卡脖子"技术攻关，从车规级芯 片检测到整车能效实验室建设，均需持续投入大量设备采购资金。而传统租赁业务往往受限于"单合同 审批""材料繁琐"等问题，难以匹配企业多批次、快节奏的研发设备需求。 今年5月，北京市发布《关于进一步深化科创金融改革支持高精尖产业发展的若干措施》，明确提出"鼓 励融资租赁机构开发适配科技企业研发场景的产品，简化审批流程、扩大合同覆盖范围"。政策出台 后，宁波银行北京自贸试验区支行第一时间响应，迅速联合永赢金租组建专项服务团队对接国创汽车需 求。通过深入调研企业近3个月内的多份设备采购合同，创新采用"多合同整合直租"模式，将原本需分 次申请的业务合并审批，仅用20天便完成从方案设计到3000万元资金投放的全流程，资金直接发放 至"国创汽车"账户，专项用于实验室设备的采购。 "从方 ...

在杭州云深处科技股份有限公司（以下简称"云深处"）的户外测试场，一台黑白相间的四足机器人 （狗）"山猫M20"正稳稳踏上80公分左右高的高台。零下20℃到55℃的极端温度耐受、IP66级的防水防 尘能力，让这台机器人能穿梭于可可西里的高原冻土、新加坡电网的巡检廊道，甚至西湖边的森林消防 现场。 云深处，这家成立于2017年的公司，已从浙江大学实验室里的一个梦想，成长为中国足式机器人领域 的"隐形冠军"。其产品在电力巡检市场占有率高达85%，在应急消防领域甚至超过90%，足迹遍布全国 34个省份及全球44个国家和地区。 然而，这条从实验室通向全球市场的道路，并非由代码和钢材单独铺就。在其背后，一场由政策、银 行、资本与企业共同演绎的，关于信任、耐心与智慧的金融赋能实验，正悄然重塑着中国硬科技的创新 生态。记者跟随中国人民银行组织的调研团来到浙江、安徽、江苏，见证着无数像云深处这样的硬科技 企业在金融"活水"的支持下从实验室走向全球市场。 风暴中的守望："让企业活下去" 如今已被誉为"杭州六小龙"之一的云深处发展势头正盛，但其成长之路并非一帆风顺。公司在完成B轮 融资后，迅速撞上了几乎所有科技型企业都会面临的"典 ...

从论坛现场发布的数据看，4年来，济南科创企业数量增长63.6%，规模以上高技术制造业增加值增长 25.6%，技术合同交易额增长126.8%；推出金融产品近200项，科创类债券超过1100亿元；7家企业登陆 科创板。 （文章来源：新华财经） 新华财经济南11月28日电（记者贾云鹏）自2021年11月获批全国首个科创金融改革试验区以来，济南积 极构建以"六专"服务体系和"四价"评估体系为核心的工作框架，截至2025年9月末，济南市科创企业贷 款余额达3029亿元，较试验区获批前增长175.7%；科创企业获贷率达43.27%。 11月27日至11月28日，第三届济南科技金融论坛在泉城济南举行。记者从论坛上获悉，4年来，济南市 会同驻济金融机构加大改革创新力度，在全国率先制定了科技金融机构评价标准，发布了首个《科技金 融统计监测指标体系》地方标准、首个《知识产权评估规范》团体标准，发行了全国首单数字人民币科 创债券，落地了4个国家级的金融创新试点任务。同时，努力构建服务体系，认定了科技金融及特色机 构62家，构建了"6+N"政府引导基金体系，建成了全市统一的"泉融通"数字金融服务平台，打造了"六 专""四价"的科技金 ...

Core Insights - The People's Bank of China Shandong Branch is focusing on the financing needs of technology enterprises by innovating policies, building platforms, conducting regional experiments, and optimizing ecosystems to create a comprehensive financial service system for the entire lifecycle of technology enterprises [1][2] Group 1: Policy Framework - A strategic cooperation agreement has been signed with the provincial science and technology department to establish a regular communication mechanism, focusing on six key areas: credit enhancement, investment, loans, insurance, guarantees, and cultivation [2] - The integration of financial policies with fiscal and technological policies is being promoted to form a comprehensive service system covering the entire lifecycle of technology enterprises, guiding financial resources towards the innovation sector [2] Group 2: Information Platform Development - The Shandong Province Science and Technology Financing Comprehensive Service Platform has been established to address the challenges of "light assets and difficult valuation" faced by technology enterprises, integrating multi-dimensional data to create a credit evaluation model for these enterprises [3] - As of the end of Q3 2025, the platform has onboarded 26,000 enterprises and 168 financial institutions, facilitating 2,141 enterprises to obtain credit loans totaling 11 billion yuan, effectively alleviating the information asymmetry between banks and enterprises [3] Group 3: Regional Innovation and Collaboration - The establishment of the Jinan Science and Technology Financial Reform Pilot Zone focuses on institutional innovation, enhancing supply capabilities, and expanding collateral options, creating a working system centered on specialized institutions and products [4] - The pilot zone has introduced a risk fund compensation pool and an innovative "Research Loan" product to provide long-term funding support for R&D projects, recognized as an excellent practice case for national promotion [4]

Core Insights - The Shanghai Financial "Five Major Articles" initiative aims to align with the strategic needs of high-quality economic and social development in Shanghai, focusing on financial supply-side structural reforms and enhancing the city's role as an international financial center [2][3] Group 1: Meeting Overview - The meeting was attended by key officials from the Shanghai government and the People's Bank of China, discussing the progress of the Shanghai Financial "Five Major Articles" initiative [1] - A total of 92 tasks and 275 specific projects have been established under the initiative, with a clear framework of four lists: target list, task list, project list, and responsibility list [1] Group 2: Financial Performance - As of August 2025, the loan balance for the "Five Major Articles" initiative is projected to reach 4.8 trillion yuan, representing a year-on-year growth of 13.7%, which is 6.6 percentage points higher than the overall loan growth rate [1] Group 3: Strategic Focus Areas - The initiative emphasizes the importance of supporting high-level technological self-reliance and innovation, leveraging platforms like the Sci-Tech Innovation Financial Reform Pilot Zone to enhance the synergy between Shanghai's international innovation and financial centers [2] - There is a strong focus on green and digital development, with plans to enhance Shanghai's role as an international green finance hub and to implement actions for building a global financial technology center [2] Group 4: Collaborative Efforts - The meeting called for enhanced collaboration among relevant units to deepen the development of the financial "Five Major Articles" initiative, including better integration of industry and finance [2] - It was emphasized that financial services should be more accessible to the real economy, with a focus on policy coordination and risk prevention to avoid systemic financial risks [2]

Core Viewpoint - The fundamental requirement of the financial reform for technology innovation is for financial institutions, especially commercial banks, to shift from providing supplementary services to established tech companies to offering essential support to startups and early-stage tech enterprises [1] Summary by Sections Challenges in Technology Innovation Financial Reform - The main challenge in technology innovation financial reform lies in the difficulty of risk control for commercial banks [2] - The lack of a comprehensive intermediary service system undermines the risk control foundation for commercial banks, as they struggle to assess the value of intellectual property due to insufficient evaluation capabilities and incomplete transaction mechanisms [2] - Identifying the innovation level of tech enterprises is challenging, complicating risk assessment for commercial banks [3][4] - Recognizing operational risks in tech enterprises is difficult, with an 80% failure rate for startups, leading to cautious support from banks [5] - The low comparative returns from tech innovation finance make it harder for banks to engage effectively, as the risks outweigh the potential rewards [6][7] Need for Transformation in Commercial Banks - To overcome the challenges in risk control, commercial banks must transform their operational philosophies [10] - Banks need to break through traditional risk control concepts, embracing the inherent risks in supporting tech innovation [11] - A shift in evaluation methods for tech enterprises is necessary, moving from historical data to future potential assessments [12] - The risk evaluation model must adapt to the higher risks associated with early-stage tech companies, increasing tolerance for risk [13] - New talent evaluation and utilization standards are required to support the unique needs of tech innovation finance [14] Talent Development for Tech Innovation Finance - There is a need for operational talent in tech innovation finance, requiring training for existing staff and collaboration with educational institutions to prepare new talent [15] - Reform-minded talent is essential, possessing innovative thinking and a solid understanding of modern technology [15] - Application-oriented research talent is necessary to summarize and promote successful practices in tech innovation finance [16] Profit Model Transformation - Commercial banks must transition from traditional profit models based on interest rate spreads to new models that leverage tech innovation finance [17][18]

Core Viewpoint - The event aims to enhance the understanding and application of technology innovation bonds (科创债) among market participants, facilitating financing for high-quality technology enterprises in Changping District, Beijing [1][2]. Group 1: Policy and Framework - The People's Bank of China and the China Securities Regulatory Commission issued a joint announcement in May 2023 to support the issuance of technology innovation bonds, indicating an acceleration in the support system for these bonds [2]. - The focus on technology innovation is identified as a core driver for high-quality development in Changping District, with technology innovation bonds serving as a specialized debt financing tool to effectively lower financing costs and optimize debt structures for enterprises [2]. Group 2: Financial Ecosystem Development - Changping District is leveraging the opportunity presented by the Zhongguancun technology finance reform pilot zone to create a first-class financial business environment by integrating resources and enhancing service efficiency [3]. - A "full-process service" mechanism for technology innovation bonds has been established to coordinate resources such as securities firms, analyze issuance cases, and provide one-stop solutions to reduce financing costs for technology enterprises [3]. Group 3: Engagement and Service Enhancement - The technology innovation bonds directly address the financing needs of technology enterprises, highlighting their innovative, flexible, and inclusive value [4]. - The event featured interactive sessions where enterprise representatives engaged with experts to discuss solutions for financing challenges, indicating a commitment to building communication platforms to address enterprise needs [4]. - Changping District aims to continuously improve the convenience, accessibility, and satisfaction of financial services for local enterprises, fostering a stable and sustainable financial service ecosystem [4].

Group 1 - The core viewpoint of the article is the organization of a training session in Jinan to promote the implementation of a comprehensive financial policy aimed at stabilizing the market and expectations [1][2] - The training session was attended by over 200 participants, including officials from various financial institutions, local government departments, and technology innovation enterprises [1][2] - The training focused on interpreting new financial policies and emphasized the reform of technology innovation bonds [1][2] Group 2 - Jinan is accelerating the construction of a financial reform pilot zone for technological innovation, aiming to optimize the financial business environment and promote a virtuous cycle among technology, finance, and industry [2] - The Jinan Municipal Financial Office plans to collaborate with central financial regulatory departments and various financial institutions to implement measures that support local enterprises, particularly in issuing technology innovation corporate bonds and facilitating listings on the Sci-Tech Innovation Board [2] - The initiative aims to attract medium- and long-term financial support for sectors such as technology, consumption, foreign trade, and small and micro enterprises, contributing to the city's key project enhancement efforts [2]

Group 1 - The integration of Eastern wisdom and financial collaboration in Jinan is fostering a significant industrial transformation, with a focus on nurturing technology innovation and enhancing the financing ecosystem for startups [1] - Jinan has been recognized as the first city in China to be approved as a pilot zone for technology finance reform, implementing a "six specialties and four values" financial service mechanism to support technological innovation [1][4] - The financial system plays a crucial role in supporting technology enterprises, with policies designed to facilitate a smooth financing process throughout the entire lifecycle of these companies [1][4] Group 2 - Beicheng Environment, an environmental engineering company, successfully transformed from a small operation to a significant player in the industry, achieving 100 million yuan in revenue after initial funding of 200,000 yuan [2][3] - The company utilized a combination of loans and equity financing to support its growth, including a 10 million yuan investment from Shandong Shanke Innovation Equity Investment Co., Ltd. and China Bank Jinan Branch [2][4] - The success of Beicheng Environment highlights the importance of clear communication with banks and understanding financial needs to secure funding [3] Group 3 - The establishment of supportive policies has enabled companies like Beicheng Environment to connect with capital markets effectively, with government initiatives focusing on direct financing for technology enterprises [4] - The introduction of innovative financing models, such as equity pledge loans, has provided new avenues for companies facing challenges in securing traditional loans [4][6] - The development of specialized financial products, like the "Research Loan" from Qilu Bank, addresses the unique needs of technology enterprises, allowing for longer loan terms and various collateral options [6] Group 4 - The financial landscape for technology companies in Jinan is evolving, with institutions like Jinan Rural Commercial Bank providing tailored financial services to meet the specific needs of these enterprises [8][9] - The introduction of talent-based financing products, such as "Talent Loans," has enhanced access to funding for companies with high-level talent, thereby increasing their creditworthiness [8][9] - Financial institutions are increasingly focusing on the evaluation of intangible assets, such as intellectual property, to support technology companies in securing loans [9] Group 5 - The launch of digital platforms like "Yuanqu Tong" and "Quanrong Tong" is enhancing the efficiency of financial services for technology enterprises, utilizing big data and cloud computing to streamline processes [11][12] - These platforms facilitate data sharing and collaboration among various stakeholders, improving access to financing and support for technology companies [12][13] - The integration of multiple data sources and the development of intelligent evaluation models are key features of these platforms, enabling better decision-making for both enterprises and financial institutions [12][13]