Core Viewpoint - The third Low Altitude (Suzhou) Industry Innovation Ecological Conference and the 2025 Digital Low Altitude Conference was held in Suzhou, focusing on the theme "Digital Innovation Leads, Intelligent Benefits for the Future" [1] Group 1: Financial Support Initiatives - Changshu Rural Commercial Bank actively engaged in the low-altitude economy sector by leveraging its financial institution advantages to communicate with industry representatives, researchers, and experts [1] - The bank has implemented various measures to support the development of the low-altitude economy, including financial service innovation, industry chain collaboration, talent cultivation, and resource integration [1][2] - Financial products offered by the bank, such as "Patent Loan," "Talent Loan," and "Hui Ke Loan," are designed to meet the needs of technology-driven companies in the low-altitude economy, characterized by light assets and high R&D investment [1] Group 2: Comprehensive Service Coverage - The bank provides full-cycle services covering all stages of enterprise development, offering construction loans for newly introduced companies and working capital support for mature enterprises [2] - A "policy supermarket" has been established, integrating over a hundred policies, including tax incentives and technological transformation subsidies, to assist companies in matching applicable projects [2] - The bank actively builds platforms for government, banks, and enterprises to connect, supporting low-altitude economic activities and promoting technological cooperation and order matching among industry chain enterprises [2] Group 3: Talent Development and Future Plans - The bank has a dedicated team for scientific and technological innovation, conducting in-depth research on low-altitude economic trends and collaborating with universities to establish postdoctoral workstations [2] - As the low-altitude economy is a rapidly growing emerging industry, the bank aims to provide comprehensive and customized financial services to enterprises in this sector through multi-dimensional initiatives [2] - The bank plans to continue its efforts in financial innovation to empower the low-altitude economy and explore new development paths in collaboration with industry stakeholders [2]

为准确了解科创型中小企业融资需求，省知识产权局已于近日启动2025年度企业知识产权质押融资需求 信息采集，为下一步开展质押融资"入园惠企"及银企对接活动奠定基础。据了解，此次采集对象以高新 技术企业、"专精特新"企业、知识产权优势示范企业，以及参与知识产权管理贯标、承担省市知识产权 项目等企业为重点，主要采集企业的融资需求包括意向融资额度、现有融资渠道、融资成本、存在问 题、对知识产权质押融资的意见建议等。 本报讯 （记者 蔡姝雯） 记者近日从省知识产权局获悉，今年以来，全省各地积极开展知识产权质押融 资对接活动，为企业"知产"变"资产"提供实操指导。1—3月，11家合作银行通过"苏知贷"为886家企业 放款50.738亿元，带动全省知识产权融资金额突破160亿元，惠及企业1492家。其中，专利商标普惠质 押项目数1501项、融资金额104.7亿元、惠及企业1390家。 近年来，省知识产权局充分发挥省普惠金融发展风险补偿基金项下"苏知贷"产品功能，不断扩大其规 模，降低企业开展知识产权质押融资的风险，提高银行支持拥有自主知识产权企业的积极性。去年初， 我省在全国率先启动知识产权质押登记线上办理试点的基础上，将 ...

转自：推广 近日，合肥市科技局向安徽兴泰担保发来表扬信，高度肯定其协同创新推出的"科技星火贷""科技团队 贷"等政府引导型科技金融产品，有效破解了科技型企业"融资难、融资贵"问题。 近年来，从普惠金融的 "毛细血管" 到科创赋能的 "创新动脉"，从债券市场的 "信用桥梁" 到保函业务的 "隐形盾牌"，安徽兴泰担保构建起"普惠+科技+债券+保函"全链条金融服务体系，成为民营企业成长路 上的坚实后盾。 普惠担保：精准滴灌小微企业的"金融血脉" 合肥市肥西县的一家食品机械生产企业，多年来深耕食品机械自主研发，是拥有近百项发明与实用新型 专利证书的安徽省专精特新中小企业，凭借稳定的质量成为盼盼、达利园等国内知名食品企业的长期供 应商，其产品更是远销印度、南美。2024年底，当企业负责人握着来自英国的3000万元订单合同 时，"心情却是喜忧参半"——喜的是欧洲市场的大门悄然开启，忧的是3000万元订单背后的原材料垫资 压力犹如巨石压肩。 就在企业资金链即将吃紧的关键节点，安徽兴泰担保的客户经理带着"专利贷" 方案走进了厂区。"我们 看中的不仅是这些专利证书，更是你们深耕行业的匠心。" 客户经理的话让企业负责人吃下了"定 ...

年报数据显示，宁波银行2024年实现营业收入666.31亿元，同比增长8.19%，实现归属于母公司股东的净 利润271.27亿元，同比增长6.23%，在颇有挑战的环境里，实现明显的业绩增长，表现也明显超过行业平 均水平。 这背后关键的有三点： 第一，盈利结构优化，盈利来源多元。和其他银行不同，宁波银行始终致力于打造多元化的利润中心， 目前公司本体有公司银行、零售公司、财富管理、消费信贷等9个利润中心；子公司方面有永赢基金、永 赢金租、宁银理财、宁银消金4个利润中心，多点开花、协同推进的运营模式和盈利结构，是宁波银行 2024年获得较好业绩的一个重要原因。 第二，风险管控出色，资产质量稳定。下行周期中什么对银行来说考验最大，一定是资产质量。事实也 是如此。在已公布的24家银行业年报中，不良拨备计提和信用减值损失是影响银行盈的重要因子。而宁 波银行在去年信贷资产规模增长17.83%的同时，公司不良贷款余额112.67亿元，不良贷款率0.76%，继续 保持在行业较低水平。 其三，精细化管理，各项费用"管控得当"。2024年，宁波银行的业务及管理费用为236.70亿元，同比下降 1.42%。在业务收入增长压力较大的同 ...