但光鲜的创新成果背后，科创企业却面临着"成长的烦恼"，技术研发需持续投入，成果转化需时间沉 淀，轻资产、缺抵押，传统信贷模式难以适配。 日前，第一财经记者跟随中国人民银行赴安徽省调研发现，合肥一些科创企业"有技术、有市场、缺资 金"。如何构建适配企业成长规律的科技金融产品？如何通过制度创新实现银行与企业风险共担、利益 共享？一系列难题亟待破解。 科创企业盼金融破局 作为国家专精特新重点"小巨人"企业，合肥万豪能源设备有限责任公司（下称"万豪能源"）深耕绿色能 源成套装备领域，其自主研发的智能撬装天然气液化装备能将原本废弃燃烧或排空的甲烷就地收集、净 化、提纯、液化，转化为符合国家标准的液化天然气（LNG）产品，实现"变废为宝"与减排双赢。 但鲜为人知的是，这家行业领军企业在转型期，曾面临一定困境。"我把能抵押的都抵押了，可以说不 成功就会倾家荡产。"万豪能源董事长杨美蓉回忆。 近年来，万豪能源业务规模的持续扩大导致现金流面临阶段性压力，但万豪能源所涉行业需要投入资金 较大、成果产出周期较长。自身发展过程中，面临资产负债率及融资收入比居高不下、固定资产中绝大 部分为机械设备变现难度较大，传统银行信贷产品已无法再 ...

Group 1 - The core focus of the Lu Xi New District is on project implementation as a key driver for economic development, aiming to resolve construction challenges and enhance support channels [1] - The district is accelerating project construction to inject strong momentum into high-quality economic development [1] Group 2 - The Haicheng Long-term Energy Storage Integrated Project is under construction, with the modular factory's exterior wall installation completed and ongoing work on doors and fire safety systems [5] - The project aims to create a comprehensive long-term energy storage industrial park [6] Group 3 - A health beverage project with an annual production capacity of 1 billion bottles is progressing, with multiple production lines in various stages of installation and testing [8] - The product range includes juice, functional drinks, and soda, targeting to establish a benchmark in the health beverage sector [8] Group 4 - The Green Energy Storage and Large-scale Energy Equipment Project is advancing, with ongoing construction of office buildings and installation of structural components [9] - Upon completion, it is expected to become a leading facility in green energy equipment manufacturing [9] Group 5 - The energy storage project is nearing completion, with the main structure finished and preparations for drainage facilities underway [11] - It will feature specialized production lines for energy storage cells and systems, contributing to the development of a distinctive energy storage equipment manufacturing cluster [11] Group 6 - The automotive fastener project is progressing with internal renovations in the workshop, aiming for delivery by the end of September [14] - The project focuses on becoming a research, production, and sales base for automotive components, catering to high-end brands [14] Group 7 - The ecological board project is advancing steadily, with supporting work progressing as planned [17] - It aims to establish a fourth-generation board material production line and a national-level fire material testing center [17] Group 8 - The high-end injection drug project by Shen Pharmaceutical is making significant progress, with multiple construction phases nearing completion [19] - Once operational, it will be a leading facility in terms of production capacity and technology in the high-end injection drug sector [19]