一直以来，睢宁农商银行坚守"服务三农、支持小微"，将科技金融作为践行"五篇大文章"的重要抓手， 深耕本土实体经济，把服务科技型企业、赋能创新驱动作为核心使命。通过建立专项走访机制、优化审 批流程、定制差异化方案等举措，该行持续破解科技型小微企业融资难题，提升金融服务的可得性与精 准度。 未来，该行将以科技金融为切入点，深化与"五篇大文章"的融合，立足本土定位，聚焦科技型企业全生 命周期需求，推动金融服务专业化升级。同时统筹推进乡村振兴、绿色金融等重点领域服务，持续打通 金融服务实体经济"最后一公里"，助力实体经济稳步发展，为地方高质量发展贡献金融力量。邢威 秉持"深耕科技金融、服务创新主体"理念，睢宁农商银行针对科技型企业特性，快速组建专项服务团队 上门对接，启动"现场核查+非现场核验"双线调查模式，完成企业经营状况、项目可行性等核心信息核 查，精准锁定融资需求，形成授信方案框架。 基于调查结果，睢宁农商银行精准锚定企业科技型属性与产能升级需求，量身打造全流程金融服务方 案，对贷前、贷中、贷后各环节进行系统梳理优化：贷前依托科技企业专项评估体系，明确将研发投入 占比、核心技术专利数量、研发团队实力、市场订单储 ...

Core Viewpoint - The Guangdong-Hong Kong-Macao Greater Bay Area is leveraging technological innovation as a core driver for high-quality development, with Hengfeng Bank playing a crucial role in empowering technology enterprises through financial support and mechanisms [1]. Group 1: Mechanism Establishment - Hengfeng Bank has built a "dare to lend and willing to lend" mechanism to address the financing gap between banks and technology enterprises, which are characterized by high technology, high risk, high returns, and light assets [2]. - The bank has implemented a due diligence exemption mechanism, allowing staff to avoid accountability if they follow compliance procedures during the lending process, thus encouraging lending activities [2]. - As of November 2025, Hengfeng Bank's technology loan balance is expected to grow by approximately 10% compared to the beginning of the year, marking a significant shift in credit structure [3]. Group 2: Professional Capability - Hengfeng Bank emphasizes the importance of understanding industry trends and enterprise potential, moving away from traditional asset-based lending to a focus on technology and future prospects [5]. - The bank's approach includes precise assessment of credit needs and establishing trust through core assets like patents, which serve as collateral [5]. - The bank has developed a supply chain financing model to support upstream and downstream enterprises, addressing the funding pressures faced by small and medium-sized enterprises in the technology sector [6]. Group 3: Comprehensive Financial Services - Hengfeng Bank aims to create a "financing + intelligence" comprehensive financial service system, focusing on the full lifecycle needs of technology enterprises [8]. - The bank is integrating resources from investment banking, private equity, and asset management to facilitate mergers and acquisitions, enhancing cross-border services for enterprises [9]. - Future plans include deepening efforts in areas such as investment-loan linkage, asset securitization, and exploring financial instruments closely related to capital markets, aiming to create a more efficient and intelligent integrated financial service system [9].