个性化解决方案 破解小微企业融资难 小微企业是稳就业、保民生的关键力量。长期以来，"融资难、融资贵、融资慢"影响小微企业的发展。 针对小微企业轻资产、缺抵押的特点，中国银行创新推出一系列专属金融产品，为不同行业、不同发展 阶段的小微企业提供个性化解决方案。 在郑州，某高新技术企业因中标超大订单急需资金采购原料，中国银行依托融资协调机制，为其开辟绿 色审批通道，仅用一周时间就完成贷款审批并到账。"以前在办理融资业务时，资金少说也得一个月左 右才能到。"该企业相关负责人表示，中国银行的资金支持不仅解了企业燃眉之急，更为企业发展注入 了信心。 重塑授信逻辑 "软资产"变融资"硬通货" ■本报记者 郝飞 从专利到生产线，从壮大特色产业到提升产业能级，中国银行正以全周期、全场景、全生态的金融服 务，构建起银企双向奔赴的新生态，为中原大地经济高质量发展注入澎湃动能。 科技企业普遍具有"轻资产、重研发、周期长"的特点，传统信贷模式难以满足其融资需求。中国银行打 破"看过去、看押品、看报表、看规模"的传统评估逻辑，转向"看产业、看技术、看团队、看未来"的授 信理念，将企业的知识产权、技术成果、人才团队等"软资产"转化为融资" ...

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， ...