近年来，随着监管层持续促进"科技—产业—金融"良性循环，证券公司针对科技型企业进行全链条全生 命周期的金融服务也不断增强。 发轫于深圳特区的平安证券，在三十余年发展历程中深度参与中国中小企业成长。"在竞争中求生存， 在创新中求发展"的企业基因始终传承，也使得平安证券在服务科技企业领域形成了鲜明特色。 证券时报记者在探访平安证券的科技金融服务路径时注意到，"创新"成为受访人士贯穿言谈的关键词。 作为公司的特色、优势板块，平安证券债券条线以系统性创新解答科技金融命题，包括研发知识产权证 券化、碳减排挂钩债券等特色产品。 创新基因 深植于金融服务中 率。具体操作方面，平安证券对合作的担保机构进行了系统梳理，全面评估其业务范围、担保能力与合 作模式；对担保额度、担保期限、担保准入范围、反担保措施等关键要素详尽落实，以确保增信措施切 实有效。 证券时报记者获悉，平安证券正实施"全周期产品创新"与"区域精准服务"双轨战略，通过创新产品矩阵 提升投融资效能。基于对科创企业需求的深度洞察，平安证券已构建覆盖企业全生命周期的多元化"接 力式"投融资服务体系，推进从"规模+质量驱动"到"服务体系+品质驱动"的升级。 在股权业务领 ...

实体经济是金融的根基，金融是实体经济的"血脉"。8月1日，中国人民银行召开下半年工作会议，继续锚定服务实体经济的主攻方 向。包括用好科技创新和技术改造再贷款政策，推动科技型中小企业贷款较快增长，加大"两重""两新"等重点领域的融资支持力度 等。 "增""减""优" 货币政策支持实体经济显效 2025年以来，尤其是5月以来，中国人民银行等金融管理部门集中发布了降准降息等一揽子金融支持举措。这些政策支持实体经济的 效果怎么样？这里面有三个关键字——"增""减""优"。 增的是金融总量。6月末，社会融资规模存量同比增长8.9%，人民币贷款同比增长7.1%。减的是融资成本。比如1—6月，新发放企 业贷款加权平均利率约3.3%，比上年同期低约45个基点。这些贷款去了哪里？优的是信贷结构。6月末，科技、绿色、普惠小微、 养老产业、数字经济产业贷款增速同比增长12.5%、25.5%、12.3%、43%和11.5%，都高于全部贷款增速。这些数据都体现了货币政 策对实体经济的强大支持力度。 帮小微企业融资 "工作专班"显身手 缺乏抵押物是小微企业融资中最常见的难点。在温州，这家小企业的厂房是租的。不久前，当他们想融资时就遇到了 ...

Core Viewpoint - The release of the "Four Loan Linkage" mechanism 2.0 in Suzhou aims to enhance financial services for private enterprises, ensuring they can access loans quickly and efficiently [1] Group 1: Loan Mechanism Overview - The "Four Loan Linkage" mechanism includes first loans, credit loans, non-repayment renewal loans, and transfer loans, creating a comprehensive financing support system for private enterprises [1] - As of June 27, the total loan amount disbursed reached 643.43 billion yuan, with credit loans amounting to 176.1 billion yuan and non-repayment renewal loans totaling 89.62 billion yuan [1] - The number of first loan recipients was 4,808, with a total amount of 19.53 billion yuan, and the transfer loan service has facilitated 826 transactions amounting to 5.255 billion yuan in four months [1] Group 2: Specific Measures in the Opinions - The opinions consist of three parts and 11 articles, detailing over 30 specific measures to enhance the effectiveness of the "Four Loan Linkage" mechanism [2] - First loans will focus on subsidy policies and product innovation, utilizing orders and patents to improve coverage for technology, manufacturing, and foreign trade enterprises [2] - Credit loans will enhance information sharing to address the collateral issues faced by "light asset" enterprises and assist in restoring credit records [2] - Non-repayment renewal loans will strengthen management to ensure business continuity and secure cash flow [2] - Transfer loans will double the maximum amount to 100 million yuan per transaction and 200 million yuan cumulatively, while also reducing fees and expanding support [2] Group 3: Risk Sharing and Support Mechanisms - The opinions emphasize the expansion of the municipal inclusive finance risk compensation fund and the improvement of compensation efficiency [2] - The optimization of the "government-bank-risk-sharing" structure will involve the introduction of national and provincial guarantee resources [2] - A collaborative model and "immediate loan guarantee" mechanism will be implemented, along with the optimization of assessments for government financing guarantee institutions [2] Group 4: Coordination and Support Mechanisms - The opinions highlight the importance of a three-tiered working network between government and banks to facilitate financing and support [2] - There is a clear directive to enhance cooperation between banks and enterprises to create a unified effort in financing and alleviating difficulties [2]

Core Viewpoint - The rental market in China faces challenges for elderly individuals, with age restrictions imposed by landlords and intermediaries, leading to higher rental costs and limited options for older tenants [1][3][6]. Group 1: Rental Market Challenges - In 2021, 70.1% of elderly individuals owned their homes, but those without ownership often rely on renting, facing difficulties due to age-related restrictions [1][8]. - Many intermediaries refuse to allow elderly individuals to share rentals, citing concerns over safety and compatibility with younger tenants [2][4]. - Elderly individuals often face higher rental prices compared to younger tenants for the same properties, with examples showing a discrepancy of 300 yuan per month for similar units [2][3]. Group 2: Landlord Concerns - Landlords express fears about potential accidents occurring in their properties if rented to elderly individuals, leading to reluctance in renting to this demographic [3][4]. - Some landlords prefer to rent to younger tenants, believing it reduces liability and potential complications [3][4]. Group 3: Legal and Ethical Considerations - The legality of age restrictions in rental agreements is debated, with current laws allowing landlords to choose their tenants but raising ethical concerns about indirect discrimination against the elderly [6][7]. - Experts suggest the need for clearer legislation to prevent age discrimination in rental markets and propose risk-sharing mechanisms to alleviate landlord concerns [6][7]. Group 4: Government Initiatives - The government has introduced public rental housing policies prioritizing elderly individuals who meet specific criteria, with 716 million elderly people benefiting from such programs by the end of 2023 [8][9]. - There is a call for a societal shift towards creating an age-friendly rental ecosystem, integrating services that cater to the needs of elderly tenants [7][8].

在科技创新方面，殷剑峰指出，政策重心正从单纯资金供给转向建立"央行+财政+市场"的风险共担机 制，构建"债、贷、股、保、退"全周期支持体系，未来力度料加大。 对于房地产领域，他建议应加快建立与发展新模式匹配的融资制度，与近期提出的城市更新、城中村改 造、加大高品质住房供给等要求形成合力。 会议现场，金服会发布了《关于积极响应"一揽子金融政策支持稳市场稳预期"的倡议书》，号召全体成 员单位和金融顾问以善本金融为引领，发挥资源禀赋与牌照优势，开展金融顾问"雪中送炭"服务，聚焦 推进共同富裕、民企纾困、优化营商环境、激活消费预期、助力楼市、股市稳定、赋能科创企业等八个 方面，开展为期三个月的"送金融服务进企业"专项"走进"活动，以金融顾问的实干实效确保政策落实落 地，助力实体经济高质量发展。 中新网北京5月30日电 (记者 夏宾)浙商银行首席经济学家殷剑峰近日表示，金融管理部门近期推出了一 揽子金融政策，主要围绕释放流动性、支持科创企业、活跃资本、提振房地产市场以及保障民生等五个 方面展开，这满足了适当宽松的要求，而再贷款工具有效落地需要商业银行积极推动。 由浙商总会金融服务委员会(下称"金服会")、钱塘江金融港湾 ...