2023年中央金融工作会议指出，要做好科技金融、绿色金融、普惠金融、养老金融、数字金融五篇大文 章。科技金融作为"五篇大文章"之首，在金融强国建设和社会主义现代化进程中的地位举足轻重。党的 二十届四中全会提出，加快高水平科技自立自强，引领发展新质生产力。在此背景下，临沂金融监管分 局紧跟上级发展部署，立足沂蒙老区产业特色，持续完善同科技创新相适应的科技金融体制机制，推 动"科技—产业—金融"良性循环。截至2025年9月末，临沂科技型企业贷款余额达927.27亿元，较年初 新增107亿元，同比增长13%；高新技术企业贷款余额787.25亿元，增速17.5%，为助力创新型城市建设 注入强劲金融动能。 政策协同 锚定科技发展"路线图" 作为工业大市，临沂市规模以上工业企业数量居山东省前列，自2024年实施"翅膀工程"以来，围绕装备 制造等13条工业标志性产业链，持续推进创新链、产业链、资金链、人才链深度融合。截至2025年10月 末，全市科技型企业总量达3213家，各层级专精特新企业1070家，数量位居全省第四，形成传统产业升 级与新兴产业突破并行的产业格局，为科技金融落地提供坚实产业基础。 临沂金融监管分局协同市 ...

2023年中央金融工作会议指出，要做好科技金融、绿色金融、普惠金融、养老金融、数字金融五篇 大文章。科技金融作为"五篇大文章"之首，在金融强国建设和社会主义现代化进程中的地位举足轻重。 党的二十届四中全会提出，加快高水平科技自立自强，引领发展新质生产力。在此背景下，临沂金融监 管分局紧跟上级发展部署，立足沂蒙老区产业特色，持续完善同科技创新相适应的科技金融体制机制， 推动"科技—产业—金融"良性循环。截至2025年9月末，临沂科技型企业贷款余额达927.27亿元，较年 初新增107亿元，同比增长13%；高新技术企业贷款余额787.25亿元，增速17.5%，为助力创新型城市建 设注入强劲金融动能。 政策协同 锚定科技发展"路线图" 作为工业大市，临沂市规模以上工业企业数量居山东省前列，自2024年实施"翅膀工程"以来，围绕 装备制造等13条工业标志性产业链，持续推进创新链、产业链、资金链、人才链深度融合。截至2025年 10月末，全市科技型企业总量达3213家，各层级专精特新企业1070家，数量位居全省第四，形成传统产 业升级与新兴产业突破并行的产业格局，为科技金融落地提供坚实产业基础。 产品创新 打通成果转化 ...

近日，浙江省科技厅等九部门联合印发《浙江省科技金融赋能创新浙江建设 因地制宜发展新质生产力行动方案》（下称《行动 方案》），明确以"投资于物"和"投资于人"相结合为原则，加快构建全生命周期、全链条的科技金融服务体系，为创新浙江建 设注入金融动能。 该管理人进一步指出，从政策设计来看，《行动方案》的核心亮点在于全生命周期赋能。针对科技企业从种子期、成长期到成 熟期的不同需求，构建了"基金+信贷+债券+保险+担保"的多层次金融服务体系。比如，延长政府投资基金存续期至20年，匹配 科技研发的长周期特性；创新"概念验证贷""中试贷"等产品，填补了科技企业早期融资的空白，有效破解了"融资难、融资贵"的 痛点。 强化科技信贷支持，是另一重要抓手。浙江将推动"平台+高校+企业+产业链"结对合作，对符合条件的科技创新贷款给予贴息支 持；动态更新科技型企业无贷户清单，创新开发"概念验证贷""中试贷"等专属产品，探索"贷款+外部直投"业务模式。银行机构 将单列科技企业信贷规模，实施"四个单独"差异化服务机制，并制定贷款尽职免责清单。 在发挥资本市场支撑作用上，浙江将加快科技企业挂牌上市步伐，建立超1000家上市后备科技型企业培育 ...

如何为最富有创新和活力的这一领域科技型中小企业接上资金链？在行业研发失败与成果转化夭折风险 高企的背景下，如何有效降低金融支持的风险系数，实现科技与金融的安全共赢？ 生物制药行业长期面临"死亡之谷"的挑战。从前期研究到临床试验，再到最终获批上市，通常只有一成 左右的药物可以幸存下来。而这个过程，往往持续10年甚至更久的时间。 与此同时，"看抵押、看历史"的传统信贷逻辑与生物制药领域轻资产、重研发的特点不符。 日前，第一财经跟随中国人民银行赴浙江、江苏等地区调研时了解到，针对科技创新全链条和科技型企 业全生命周期，金融机构正努力构建差异化的金融支持路径，着力投早、投小、投长期、投硬科技。政 策层面也不断强化激励引导，多方合力为生物医药创新与科技成果转化打通资金堵点。 以人定贷，适配科技型企业 轻资产、无销售收入的特点，让众多手握核心技术的创新药企陷入研发与资金的双重困境，康霖生物科 技（杭州）有限公司（下称"康霖生物"）便是其中的典型代表。 成立于2015年的康霖生物，是国内最早一批深耕创新基因治疗的企业，专注于地中海贫血症等严重疾病 的根治方案研发。 地中海贫血症是一种因基因缺陷导致的罕见血液病。中重度患者自 ...

建设科技强国，加快高水平科技自立自强，是党的二十届四中全会锚定中国式现代化建设作出的重要战 略部署。 粤港澳大湾区正在加快建设国际科技创新中心，作为经济第一大省，广东肩负着建设科技强省的时代重 任。在这片创新热土上，从实验室的前沿研发到生产线的智能改造，从战略性新兴产业的崛起到未来产 业的前瞻布局，科技创新已成为驱动经济高质量发展的核心引擎，而新质生产力的培育壮大，离不开金 融"活水"的精准滴灌。 近年来，中国银行广东省分行（下称"广东中行"）持续深耕科技金融，将其定为全行高质量发展的重要 着力点，在破解科创企业"最初一公里"融资难题上，从评估逻辑、产品设计到风险分担机制进行了突破 性创新；在科创企业的不同成长阶段，构建了覆盖全生命周期的金融服务体系，逐步形成了一套极具特 色的科技金融服务体系。 作为国有大行，广东中行不仅立足自身优势，更以开放姿态，秉持"共建生态"的战略高度，联动多方生 态伙伴做大"朋友圈"。12月7日，由粤港澳三地政府主办的大湾区科学论坛首设科技金融分论坛，广东 中行将作为承办单位，旨在汇聚政、产、学、研、金等多方力量，共筑科技金融生态，赋能新质生产力 发展。 破解"最初一公里"融资难题 ...

Group 1 - The event "Technology Finance Empowering Technological Innovation and Industrial Upgrade Exchange Conference" was held in Shaanxi, attracting over 200 participants including government representatives, industry leaders, investment institutions, and research experts [1] - Qin Chuangyuan Technology Innovation Investment Co., Ltd. announced the signing of the first batch of sub-funds for its science and technology mother fund, with a total scale of 3.4 billion yuan [1] - The company selected 7 fund managers from 71 applicants, emphasizing its commitment to investing in early-stage, small-scale technology projects to support rapid growth of innovative enterprises [1] Group 2 - The signing ceremony featured agreements with "Qin Chuangyuan Application Scenario Special Experts" and "Qin Chuangyuan Strategic Investment Industry Advisors," with a reserve of 93 experts from various cutting-edge technology fields [2] - The company launched the "All-Domain Exploration" mechanism to address uneven conversion capabilities among universities and new research institutions, employing a four-step strategy for comprehensive coverage [2] - The four-step strategy includes scanning mechanisms, selection mechanisms, product mechanisms, and activity mechanisms to ensure no opportunities are overlooked [2] Group 3 - To support the new mechanism, the company collaborated with several financial institutions to launch four technology finance products tailored to different stages of development [3] - The products include "Qin Chuang Talent Loan 2.0" for early-stage talent, a dual-track model of "Pilot Loan + Pilot Insurance" for pilot stages, "Investment-Loan-Insurance" comprehensive services for growth stages, and "Qin Data Insurance" for data transaction insurance [3] - Currently, the company has launched 89 financial products, covering 62 technology loans, 16 technology insurance, and 11 technology guarantees, achieving full lifecycle coverage for innovative enterprises [3]

Core Viewpoint - The People's Bank of China, Zhejiang Branch, has facilitated the issuance of the first "Pilot Loan" of 1.55 million yuan to Zhejiang Mayin Jia Textile Technology Co., Ltd., aimed at supporting the company's antibacterial functional textile products during the pilot testing phase, thereby exploring new pathways for financial support in the transformation of scientific achievements [1][2]. Group 1: Company Overview - Zhejiang Mayin Jia Textile Technology Co., Ltd. was established in 2017 and focuses on new material research and development, high-performance fiber and composite material manufacturing, and textile sales [1]. - The company leverages the pilot testing base and research resources of the Zhejiang Modern Textile Technology Innovation Center to conduct pilot verification and process optimization for antibacterial new materials and functional textiles, indicating good technological maturity and industrialization prospects [1]. Group 2: Financial Support and Innovation - The "Pilot Loan" product was specifically designed to address the financing challenges faced by technology enterprises during the pilot testing phase, characterized by "light assets and high risks" [1][2]. - The loan amount of 1.55 million yuan is part of a larger credit line of 3 million yuan, which was granted based on an evaluation system that incorporates the company's technological strength and pilot transformation progress [2]. - The People's Bank of China, Zhejiang Branch, plans to enhance collaboration among financial institutions and various research institutes and pilot platforms to expand financial services for pilot testing, providing robust financial support for technological innovation breakthroughs [2].

Core Viewpoint - The Hubei Provincial Financial Office and eight other departments have jointly issued a work plan to advance the construction of the Wuhan Science and Technology Financial Center, focusing on enhancing its functional positioning and establishing a comprehensive science and technology financial service system [1][3]. Group 1: Key Initiatives - The plan outlines five key areas and 25 specific measures to gather science and technology financial resources, optimize policies, and build high-standard financial clusters in Wuhan [3]. - Wuhan aims to promote science and technology financial reform experiments, including the establishment of a national science and technology financial reform pilot zone and a high-level technology insurance innovation demonstration zone [3]. - The city will optimize the science and technology financial ecosystem by restructuring financial institutions and improving management services, as well as enhancing various financial products tailored for innovation and entrepreneurship [3][4]. Group 2: Financing and Support Mechanisms - Wuhan plans to improve the technology guarantee system, providing "light asset, wide credit, and convenient" financing services for technology-based enterprises through data and fiscal credit enhancement [4]. - The city will reconstruct the guidance service system for companies going public, leveraging various capital markets to facilitate bond issuance and listing for technology enterprises [4].

Core Viewpoint - The Hubei provincial government aims to establish a high-level Wuhan Science and Technology Financial Center by the end of 2027, with a focus on enhancing the financial ecosystem for technology innovation and attracting resources such as financial institutions, capital, and talent from both domestic and international markets [1][4]. Group 1: Construction of Financial Service Systems - The plan outlines the creation of three major systems: equity investment guidance, credit financing enhancement, and multi-tiered capital market cultivation, forming a comprehensive financial support ecosystem for technology [2]. - The equity investment guidance system will restructure the government guidance fund system to create a nationally influential venture capital center, providing financing services for technology innovation enterprises at various development stages [2]. - The credit financing enhancement system will deepen credit loan reforms and improve the technology guarantee system, offering innovative financial products like technology talent loans and R&D loans to reduce financing barriers for tech enterprises [2]. Group 2: Innovation and Regional Influence - The plan proposes innovative measures to promote financial reform and enhance regional influence, aiming to create replicable experiences in Hubei and facilitate efficient cross-regional flow of technology financial resources [3]. - Hubei will support Wuhan in applying for a national science and technology financial reform pilot zone and establish a high-level technology insurance innovation demonstration zone [3]. - The province will leverage local university resources to explore innovative models such as alumni investment and loans, expanding the scope of equity investment pilot programs [3]. Group 3: Resource Aggregation and Policy Response - Hubei will create offline and online comprehensive service platforms for technology finance, aiming to accelerate the aggregation of financial policies, platforms, institutions, capital, and talent [4]. - The initiative aligns with national strategies, responding to the central government's emphasis on constructing a financial system that supports technological innovation [4]. - By 2027, technology enterprises in Hubei will benefit from a more diversified and multi-layered financial service system, positioning Wuhan as a regional center for the deep integration of technology and finance [5].

Group 1 - The core viewpoint of the news is the launch of a comprehensive plan to establish Wuhan as a high-level technology and finance center by 2027, with a focus on significant growth in key technology finance indicators [1] - The plan includes 25 specific measures across five key tasks, emphasizing the positioning of Wuhan to leverage resources and support technological innovation [1][2] - The initiative is part of a broader national strategy to support various regional technology innovation centers, with Wuhan being the only selected city in Central China [1] Group 2 - In terms of resource aggregation, the plan aims to create offline and online comprehensive service platforms for technology finance, and establish a talent hub in Wuhan [2] - The plan supports the establishment of a national technology finance reform pilot zone in Wuhan and aims to build a high-level technology insurance innovation demonstration area [2] - The initiative includes optimizing the financial ecosystem by restructuring financial institutions and enhancing various financial products tailored for technology enterprises [2][3] Group 3 - The plan seeks to reconstruct the government guidance fund system to create a nationally influential venture capital center, facilitating large-scale investment funds [3] - It aims to enhance credit systems for technology enterprises, providing more accessible financing options through a combination of data and fiscal credit enhancements [3] - The initiative also focuses on improving the listing guidance service system for enterprises, utilizing various capital markets to support technology companies in raising funds [3]