《方案》突出"三个注重"：注重示范引领，构建以专项方案为主体，创投、资本市场、并购等政策为支 撑的开放式政策矩阵，依托天开园等载体打造科产融深度融合策源地；注重生态共建，广泛覆盖科技创 新、产业创新与金融创新各主体要素；注重组合叠加，针对企业不同发展阶段提供多元化接力式金融服 务。 中新网天津11月21日电 (记者周亚强)记者21日从天津市委金融办获悉，天津市11个部门近日联合印发实 施《天津市金融创新服务科技创新和产业创新专项方案》(下称《方案》)，建立市级工作协调机制，旨 在以金融高质量服务促进以科技创新和产业创新为代表的新质生产力发展。 天津市委金融办表示，下一步，将推动各项措施项目化、清单化落实，为科技创新和产业发展提供全生 命周期全链条、多元化接力式金融服务，促进金融与全产业链深度协同。(完) 《方案》提出，力争到2027年，科创基金规模突破2000亿元，科技贷款余额突破1.1万亿元，科技金融 特色服务机构(团队)超过100家，助推战略性新兴产业规模突破1万亿元。 （文章来源：中国新闻网） 围绕科技型企业成长全周期需求，《方案》部署了5方面任务举措，细化为15大项45个子项措施，以及 加强工作统筹、 ...

Core Insights - The eighth China International Import Expo (CIIE) highlighted the growing importance of the silver economy, health and wellness industry, and elder financial services, with KPMG China launching its inaugural "Health and Wellness 50" project evaluation [1] Group 1: Industry Trends - The domestic health and wellness industry is characterized by strong policy support, diverse and personalized demand, significant technological empowerment, competitive participation from multiple entities, and localization of international experiences [1] - The health and wellness sector is expected to transition from "elderly services" to "lifecycle health management," evolving from "single services" to an "ecosystem" approach [1] - The industry will increasingly break the narrow perception of being "elderly-exclusive," expanding to encompass health status, sub-health, and end-of-life care across the entire lifecycle [1] Group 2: Economic Challenges - The aging population presents both challenges and opportunities for the health and wellness and elder financial services sectors, with significant barriers to silver consumption, such as preventive savings, supply-demand mismatches, and consumption environment obstacles [2] - Elderly individuals exhibit a high preventive savings tendency, with a savings rate of 61%, nearly double that of the general population, indicating a strong inclination towards precautionary savings [2] Group 3: Solutions and Innovations - To address the high preventive savings and reluctance to consume, it is essential to establish a "safety support system" for the elderly, enhancing social security and expanding long-term care insurance trials [2] - Financial innovation is needed to reduce reliance on savings, introducing specialized financial products that combine "pension security and moderate consumption," and exploring diverse funding channels for elder care, such as "reverse mortgages" and "pension wealth management" [2] - The supply side must shift from "mass production" to "precise customization," with companies needing to conduct in-depth research on the real needs of the elderly [3] - There is a need to break the misconception that "silver consumption is low-end consumption," providing tiered offerings for different income levels among the elderly, including affordable products and high-end services like customized wellness tourism and professional chronic disease management plans [3]

Core Insights - China Bank is building a new ecosystem for high-quality economic development in Central China through comprehensive financial services that facilitate mutual engagement between banks and enterprises [1] Group 1: Financing Solutions for Small and Micro Enterprises - Small and micro enterprises are crucial for employment stability and livelihood protection, yet they face challenges such as high costs and slow financing [1] - China Bank has introduced a series of specialized financial products tailored to the unique needs of small and micro enterprises, addressing their asset-light and collateral-deficient characteristics [1] - A high-tech enterprise in Zhengzhou received expedited loan approval within a week due to China Bank's green approval channel, significantly reducing the typical financing time from about one month [1] Group 2: Reshaping Credit Logic - Traditional credit assessment methods are inadequate for technology companies, which often have light assets and long R&D cycles [2] - China Bank has shifted its credit evaluation focus from historical financial metrics to assessing industry potential, technology, and team capabilities, effectively turning "soft assets" like intellectual property into "hard currency" for financing [2] - A 3D technology company leveraged patent pledge loans from China Bank to alleviate cash flow pressures, enabling successful product entry into high-end manufacturing and increasing its patent portfolio [2] Group 3: Empowering Specialty Industries - Local resources are being harnessed to transform small specialty products into significant industries, aligning industrial upgrades with rural revitalization [3] - In Nanzhao County, Henan, the carbon calcium industry is thriving, supported by China Bank's innovative "Silver Tax Loan" product, which offers unsecured credit based on tax payments [3] - The development of the calcium powder industry cluster has become a major economic driver for Nanzhao County, showcasing the transformation of small specialties into large-scale industries [3]

Core Viewpoint - The People's Bank of China and the Ministry of Agriculture and Rural Affairs have jointly issued opinions to enhance financial services for rural reform and promote comprehensive rural revitalization, focusing on increasing financial resource input in key areas of rural revitalization [1][2]. Group 1: Financial Support for Agriculture - The opinions emphasize enhancing financial security for food safety by increasing credit resources for major grain-producing areas and counties [1]. - There is a focus on deepening financial services for high-standard farmland and agricultural water conservancy construction, as well as supporting the development of new agricultural productivity [1]. - The initiative aims to broaden mortgage and guarantee methods, innovate financing models for local specialties, and promote tailored financial products [1]. Group 2: Rural Infrastructure and Public Services - The plan includes improving financial service levels for rural construction through diversified financing solutions such as project bundling and syndicate loans [1]. - It supports the extension of infrastructure and public services to rural areas, providing comprehensive financing services like bond financing, equity investment, and leasing [1]. Group 3: Mechanisms for Rural Financial Reform - The opinions call for establishing management systems for the certification and mortgage registration of agricultural facilities and livestock to expand mortgage financing coverage [2]. - It highlights the use of risk compensation, loan interest subsidies, and incentive rewards to enhance financing for various agricultural operators [2]. - The People's Bank of China plans to strengthen collaboration with relevant departments to innovate investment and financing mechanisms for rural revitalization [2].

一方面，建立完善的风险评估体系，综合运用大数据、人工智能等技术，多维度分析企业发展中的风险 隐患；另一方面，与保险、担保等机构合作，构建风险分担机制，共同抵御风险。此外，银行还应关注 企业经营动态，及时为企业提供风险预警和应对建议，帮助企业稳健发展。 未来，随着人工智能等技术与金融加速融合，银行需持续深化创新，不断提升服务水平，为科技型企业 发展提供更全面、优质、高效的金融支持，从而实现自身业务升级与服务国家战略的双赢，为我国在全 球科技竞争中突围贡献金融力量。 （文章来源：证券日报） 在产品创新方面，银行应针对科技型企业轻资产、重研发、高风险、高回报特点，开发专属金融产品。 通过综合评估企业研发能力、知识产权、市场前景等非财务因素，为缺乏抵押物的科技型企业提供资金 支持；将企业专利、商标等知识产权转化为融资资本，有效盘活企业无形资产；以人才价值为信用依据 发放贷款，助企吸引和留住高端人才。这些创新产品可拓宽科技型企业融资渠道，满足其不同发展阶段 资金需求。 在融资成本优化与服务效率提升方面，银行应积极响应国家政策，合理定价贷款产品，推动贷款利率下 行。同时，通过优化业务流程，减少不必要的中间环节和收费项目， ...