今年8月，中国工商银行深圳市分行也官宣普惠贷款余额破2000亿元。 今年9月底，中国银行深圳市分行宣布普惠金融贷款突破2000亿元，累计服务普惠客户数超10万户。 金融业"五篇大文章"之一的普惠金融，继续在深圳加速落地。近期，国有银行深圳分行普惠贷款规模纷纷破2000亿。 早在2020年，中国建设银行深圳市分行普惠金融贷款余额率先突破2000亿元，目前该行普惠金融贷款余额已突破3500亿元。 值得注意的是，上述银行也是其系统内首家达成此成就的城市分行，深圳建行更是全国首家小微企业贷款超3500亿的银行分 行。 此外，在国有大行深圳市分行中，今年3月，中国农业银行深圳市分行普惠贷款余额突破千亿元，，普惠小微有贷客户数超过4 万户，增长迅速。 除头部银行表现突出外，从深圳金融业整体来看，深圳普惠小微贷款余额接近2万亿元，连续数年位居全国大中城市首位。 为何还是深圳分行 一方面，深圳普惠金融市场需求广阔。 目前，深圳是中小微企业最活跃、创业密度最大的城市。截至2024年，深圳有国家级专精特新"小巨人"企业1025家；截至2025 年5月，深圳专精特新中小企业1.1万家，创新型中小企业为2.1万家。 因缺抵押、缺担保 ...

（原标题：普惠金融再晋2000亿级，这次又是深圳分行） 21世纪经济报道记者 曹媛 深圳报道 金融业"五篇大文章"之一的普惠金融，继续在深圳加速落地。近期，国有银行深圳分行普惠贷款规模纷 纷破2000亿。 今年9月底，中国银行深圳市分行宣布普惠金融贷款突破2000亿元，累计服务普惠客户数超10万户。 今年8月，中国工商银行深圳市分行也官宣普惠贷款余额破2000亿元。 早在2020年，中国建设银行深圳市分行普惠金融贷款余额率先突破2000亿元，目前该行普惠金融贷款余 额已突破3500亿元。 值得注意的是，上述银行也是其系统内首家达成此成就的城市分行，深圳建行更是全国首家小微企业贷 款超3500亿的银行分行。 此外，在国有大行深圳市分行中，今年3月，中国农业银行深圳市分行普惠贷款余额突破千亿元，，普 惠小微有贷客户数超过4万户，增长迅速。 除头部银行表现突出外，从深圳金融业整体来看，深圳普惠小微贷款余额接近2万亿元，连续数年位居 全国大中城市首位。 为何还是深圳分行 为此，深圳建立起小微企业融资协调工作机制，设立市区两级工作专班，常态化开展工作调度、会商， 同时启动"千企万户大走访"活动。同时深圳推广"无还本续贷 ...

Core Viewpoint - The release of the "Opinions on Deepening Reform and Innovation in Shenzhen's Comprehensive Reform Pilot" aims to enhance financial services for the real economy, particularly focusing on technology and industry integration in finance [2][5]. Financial Services and Innovations - Shenzhen has been recognized as a significant financial center, with the "Opinions" emphasizing the need to improve mechanisms that incentivize financial services for the real economy [2]. - The "Technology Industry Financial Integration Pilot" is designed to empower technological innovation and industrial development, facilitating financial resources to support research and entrepreneurship [2][5]. - New financial products such as "Tengfei Loan" and "Technology Startup Loan" have been introduced to support small and micro enterprises [2]. Credit and Financing Mechanisms - The "Yuanqu Loan," a no-collateral credit product, has been launched to assist small and micro enterprises by leveraging various data points from industrial parks [3]. - As of April 2024, the Shenzhen "Specialized, Refined, Unique, and Innovative" board has listed 301 companies, with 80.73% being small and medium enterprises [3]. - The total loan balance for technology enterprises in Shenzhen reached 1.23 trillion yuan, with a year-on-year growth of 7.23% as of March 2025 [4]. Knowledge and Intellectual Property Financing - Shenzhen leads the nation in knowledge property asset-backed securities (ABS) issuance, with a total of 99 issuances amounting to 21.906 billion yuan, accounting for over half of the national total [6]. - The "Opinions" highlight the need to optimize the connection between debt and equity financing for technology enterprises, addressing challenges such as asset collateralization and risk assessment [7]. Support for Listing and Investment - The "Opinions" allow companies listed on the Hong Kong Stock Exchange to also list on the Shenzhen Stock Exchange, promoting financial connectivity within the Greater Bay Area [8]. - There is a push for more long-term capital to support high-tech companies, especially those returning from overseas listings to the domestic market [9].

Core Viewpoint - The rapid growth of the artificial intelligence (AI) industry in China has led to a significant increase in financing, with the scale expanding from 30.07 billion yuan in 2015 to 105.25 billion yuan in 2024, representing a 3.5 times growth, while traditional banks face challenges in lending to AI companies due to their unique characteristics [1][2][3] Group 1: Financing Challenges - AI companies face three main difficulties: lack of fixed asset collateral, difficulty in technology valuation, and challenges in risk control, leading banks to be hesitant in lending [1][2] - The high innovation and financial risk associated with AI companies, particularly during their early stages, complicate their financing as substantial R&D expenditures can negatively impact profitability [2][3] - The long investment cycles and high capital requirements of AI companies do not align with traditional bank funding preferences, which favor short-term, low-risk projects [2][3] Group 2: Bank Initiatives - To support the AI industry, banks are enhancing their organizational structures, innovating credit products, and upgrading risk management practices [3][4] - China Bank has launched a plan to provide no less than 1 trillion yuan in comprehensive financial support for the AI industry over the next five years, with a specific focus on Shenzhen [3][4] - Banks are establishing specialized branches and centers to better serve technology companies, with China Bank leading the way by setting up a dedicated department for innovation finance [4][5] Group 3: AI's Impact on Banking - AI technology is transforming banking operations, enhancing marketing services, automating repetitive tasks, and improving risk management through data processing capabilities [5][6] - Tools like "Zhongyin Qiye Yida" and "Zhongyin Kechuang Kua Teng" are being utilized by banks to streamline client assessments and credit evaluations, significantly improving efficiency [6][7] Group 4: Multi-layered Financial Support - The establishment of a multi-layered financing system is crucial for supporting technological innovation, as traditional indirect financing has limitations for high-tech enterprises [7][8] - Successful cases like UBTECH and Yujian Technology illustrate the importance of a multi-tiered capital market in supporting AI companies from initial funding to IPO [7][8] - Recommendations include increasing bank support for unprofitable tech companies and enhancing the linkage between debt and equity financing to create a sustainable ecosystem for high-tech enterprises [8]

人形机器人、智慧医疗、自动驾驶……近年来，我国人工智能产业加速发展，极大便利了人们生活。 今年1月，中国银行提出未来5年为人工智能全产业链各类主体提供不少于1万亿元专项综合金融支持。 记者近日在深圳调研了解到，中国银行总行和深圳市分行通过建立健全支持人工智能产业的长效机制， 创新"全周期"服务模式和特色产品等，强化对深圳人工智能产业的加力支持和精准滴灌。 全面升级科创贷产品满足企业"全周期"需求 据了解，包括深圳市分行在内，目前中国银行科创贷产品种类持续完善，覆盖科技企业"概念期—初创 期—成长期—成熟期—转型期"，助力企业实现从"孵化培育"到"产业领军"的跨越式发展。 同时，为激发科技金融服务活力，中行优化组织架构，建立了科技金融中心、科技支行和科技金融特色 网点，并创设科创贷审批绿色通道，积极发展线上产品，提高放款效率。 发挥全球化经营优势助力企业海外拓展 在深圳晶泰科技有限公司AI机器人实验室里，智能实验机器人正在完成由研发人员"下单"的化学实验任 务，智能物流机器人穿梭其中负责运输工作。7×24小时无休，精确、安全完成研发实验，实时记录、 积累实验数据……人工智能技术的运用显著提升了实验效率和成功率。 ...