充分激发各类经营主体活力、发展壮大民营经济——党的二十届四中全会擘画"十五五"发展蓝图，再次谋 篇民营经济。作为我国经济发展的活力源泉，民营经济在推动创新、促进就业、繁荣市场等方面发挥着重 要作用。 "我们依托产业链核心企业信用、真实交易背景和物流、信息流、资金流闭环，为上下游企业提供无需抵押担 保的订单融资、应收应付账款融资，可有效缓解民营中小微企业的资金压力。"交行四川省分行相关负责人介 绍，该行围绕川酒、川猪、郫县豆瓣、德阳火锅等产业链打造特色产品，以"链金融+线上化"模式激发产业发 展动能。 发挥全牌照优势，聚焦科技创新的"赋能者" 民营经济集中了我国超过80%的专精特新"小巨人"企业、92%以上的国家高新技术企业，是科技创新的沃土。 然而，不少民营科技企业往往手握技术却缺少可抵押的实体资产，以至于常常难以获得传统信贷支持。 而民营经济蓬勃发展的背后，离不开金融活水的润泽。作为国有大行，交通银行积极发挥主力军作用，基于全 牌照优势开展了一系列创新举措与扎实行动，深度融入民营经济的发展脉络，用实际行动诠释了金融与民营经 济共生共荣。 助企纾困解难题，支持民营小微的"破局者" 在众多民营小微企业的成长道路 ...

在众多民营小微企业的成长道路上，资金问题始终是绕不开的"拦路虎"。续贷难度大、融资额度受限、 申报流程繁琐……面对这些长期存在的痛点，交行以产品创新与流程再造为驱动力，精准对接民营小微 企业的真实需求，走出了一条有温度、有质效的金融服务新路径。 针对"续贷难"这一高频痛点，交行着力优化"无还本续贷"服务，通过审批流程前置、风控模型升级，支 持符合条件的民企办理续贷，服务覆盖面大幅提升，有效支撑了民企在资金周转上的"无缝衔接"。 不止于续贷体验的改善，融资额度也是民营小微企业的核心关切。基于大数据赋能的"增信"机制，交行 构建起更加精准、动态的评估体系，对于经营稳健、前景良好的民营小微企业，信用类授信额度最高可 提升至2000万元，为企业注入更充足的成长动能。 在融资便利性的提升上，交行打造了高效便捷的线上综合授信服务体系，实现"数据跑路代替企业跑 腿"，众多民企足不出户便可轻松在线完成从申请、测额、签约到提款的极速融资操作。目前，该行已 推出20余款线上融资产品，民营小微线上贷款覆盖率近50%。值得一提的是，产业链供应链的畅通循环 是民营经济稳健发展的重要支撑。交行深入产业生态，以核心企业为枢纽，将金融服务向 ...

Core Insights - The technology service industry in China is experiencing robust growth, with an average annual revenue increase of 12.3% from 2019 to 2023, and the transaction value of technology contracts expected to exceed 6.8 trillion yuan in 2024, achieving the goals set for the 14th Five-Year Plan ahead of schedule [1][3] - Beijing has emerged as a key hub for the technology service industry, with its industrial scale surpassing one trillion yuan in 2024, contributing significantly to the city's economic growth and high-tech industry upgrades [1][4] Industry Development - The Chinese government emphasizes the integration of technological and industrial innovation as a strategic priority, with the technology service industry acting as a bridge to convert research innovations into productive capabilities [3] - During the 14th Five-Year Plan, the government has provided tax incentives to support technology service enterprises, facilitating the incubation and transformation of technological achievements [3] - A comprehensive service system has been established, including three major technology trading platforms, 12 national technology transfer centers, and 15,000 incubation institutions across the country [3][4] Financial Empowerment - Financial institutions are actively exploring ways to empower the technology service industry, with products tailored to different stages of enterprise development, such as "Sci-Tech Easy Loan" and "Talent Loan" [5][6] - The focus is on utilizing data to enhance business support models, with an emphasis on dynamic evaluation of enterprises based on R&D investment and human capital [6] - The total financing scale in the technology sector by a major bank has exceeded 1.7 trillion yuan, showcasing the financial sector's commitment to supporting technological innovation [6] Key Achievements - Five significant outcomes were announced at the forum to address the challenges in converting technological achievements into industrial applications, including the launch of a "Technology Achievement Transformation Zone" on a national cooperation platform [7][8] - The "Jiaoyin Torch Loan 2.0" has supported 5,000 technology enterprises in Beijing with a cumulative credit limit of 8.8 billion yuan, while nationwide support has reached 29,000 enterprises [7] - New standards and collaborative networks have been established to enhance resource integration and service provision within the technology service ecosystem [8]

Core Insights - The technology service industry in China is experiencing robust growth, with an average annual revenue increase of 12.3% from 2019 to 2023, and the transaction value of technology contracts expected to exceed 6.8 trillion yuan in 2024, achieving the goals set for the 14th Five-Year Plan ahead of schedule [1][3] - Beijing has emerged as a key hub for the technology service industry, with its industrial scale surpassing one trillion yuan in 2024, contributing significantly to the city's economic growth and high-tech industry upgrades [1][4] Industry Development - The Chinese government emphasizes the integration of technological and industrial innovation, positioning the technology service industry as a crucial link for transforming research outcomes into productive capabilities [3] - During the 14th Five-Year Plan, the government has provided tax incentives to support technology service enterprises, facilitating the incubation and transformation of technological achievements [3] - A comprehensive service system has been established, including three major technology trading platforms and over 1.5 million incubation institutions across the country [3] Financial Empowerment - Financial institutions are actively exploring ways to empower the technology service industry, with products tailored to different stages of enterprise development, such as "Sci-Tech Easy Loan" and "Talent Loan" [5][6] - The use of data-driven approaches is being emphasized, allowing for proactive credit assessments based on dynamic business behaviors, enhancing the accessibility of financing for enterprises [6] Key Achievements - The launch of the national industry-finance cooperation platform's "Technology Achievement Transformation Zone" aims to streamline the conversion of technological achievements into practical applications, with over 1.2 trillion yuan in financing facilitated to date [7] - The "Jiaoyin Torch Loan 2.0" has supported 5,000 technology enterprises in Beijing, with a cumulative credit limit of 8.8 billion yuan, demonstrating the effectiveness of targeted financial products [7] - New standards and collaborative networks have been established to enhance resource integration and service provision within the technology service ecosystem [8]

Core Insights - The technology service industry in China is experiencing robust growth, with an average annual revenue increase of 12.3% from 2019 to 2023, and the transaction value of technology contracts expected to exceed 6.8 trillion yuan in 2024, achieving the goals set for the 14th Five-Year Plan ahead of schedule [1][2] - Beijing has emerged as a key hub for the technology service industry, with its industrial scale surpassing one trillion yuan in 2024, contributing significantly to the city's economic growth and high-tech industry upgrades [1][3] Industry Development - The Chinese government emphasizes the integration of technological and industrial innovation, positioning the technology service industry as a crucial link for transforming research outcomes into productive capabilities [2] - During the 14th Five-Year Plan, the government has provided tax incentives to support technology service enterprises, facilitating the incubation and transformation of technological achievements [2] - A comprehensive service system has been established, including three major technology trading platforms and over 420 key technology transfer institutions, with more than 15,000 incubation organizations across the country [2] Financial Empowerment - Financial institutions are actively exploring ways to empower the technology service industry, with products tailored to different stages of enterprise development, such as "Sci-Tech Innovation Loans" and "Talent Loans" [4][5] - The use of data-driven approaches is being emphasized, allowing for a more nuanced evaluation of enterprises based on dynamic operational behaviors, thereby enhancing financing accessibility [5] Key Achievements - The launch of the national industry-finance cooperation platform's "Technology Achievement Transformation Zone" aims to facilitate the collection and financing of quality projects across various stages of development [7] - The "Jiaoyin Torch Loan 2.0" has supported 5,000 technology enterprises in Beijing, with a cumulative credit limit of 8.8 billion yuan, while nationwide support has reached 29,000 enterprises [7] - New standards and collaborative networks have been established to enhance resource integration and service provision within the technology service ecosystem [8]

Core Insights - The technology service industry in China has seen an average annual revenue growth of 12.3% from 2019 to 2023, with the transaction value of technology contracts expected to exceed 6.8 trillion yuan in 2024, achieving the goals set in the 14th Five-Year Plan ahead of schedule [1] - Beijing has emerged as a hub for the technology service industry, with its industrial scale surpassing one trillion yuan in 2024 [1] Industry Development - The technology service industry serves as a bridge between technological innovation and industrial application, facilitating the transformation of research outcomes into productive capabilities [8] - The government has implemented supportive policies during the 14th Five-Year Plan, including tax incentives for technology service enterprises, to accelerate the incubation and transformation of technological achievements [8] - A robust service system has been established, comprising three major technology trading platforms, 12 national technology transfer centers, and over 420 key technology transfer institutions [8] Regional Performance - Beijing's technology service sector has developed a "123" growth model, contributing 20% of the national revenue with only 10% of the enterprise count, and over 30% of the profits [9] - In 2024, the number of large-scale technology service enterprises in Beijing reached over 3,900, generating 1.14 trillion yuan in revenue, with a stable contribution of over 8% to the city's GDP [9] Financial Empowerment - Financial institutions are actively exploring ways to empower the technology service industry, with products tailored to different stages of enterprise development, such as "Sci-Tech Innovation Loans" and "Talent Loans" [10][11] - The use of data-driven approaches allows for a more nuanced evaluation of enterprises, focusing on dynamic operational behaviors rather than just static financial data [11] Key Initiatives - The launch of the national industry-finance cooperation platform's "Technology Achievement Transformation Zone" aims to facilitate the collection and financing of quality projects across various stages of development [12] - The "Torch-Jiaoyun Joint Innovation Laboratory" has introduced several financial products to support technology enterprises, with significant credit limits and coverage [12] - New standards and collaborative networks have been established to enhance the integration of resources and services within the technology service ecosystem [13]

Core Viewpoint - The president of Bank of Communications, Zhang Baojiang, emphasized the importance of the technology service industry as a high-intelligence and high-value-added segment of the modern industrial system, highlighting the bank's efforts in integrating technological innovation with industrial innovation, with a total financing scale in the technology sector exceeding 1.7 trillion yuan [2]. Group 1: Financial Products and Services - The bank has introduced innovative credit products to address financing challenges in the technology service sector, including the "Kechuang Yidai" product line tailored for different stages of enterprise development [3]. - For startups, the bank has launched the "Jiaoyin Talent Loan" to address funding issues from the initial stage, focusing on the qualifications of core founding teams [3]. - For growing enterprises, the bank offers personalized and intelligent "Technology Scenario Loans" to support rapid development and transformation [3]. - For mature enterprises, a green approval channel for key industries has been established, utilizing both online and offline methods to meet diverse needs [3]. Group 2: Data Empowerment and Business Support - The bank is shifting its focus from static operational data to dynamic business behaviors such as R&D investment and human capital, aiming to evaluate the technological content of enterprises from multiple dimensions [3]. - The "Proactive Credit" service model has been innovated, leveraging big data and privacy computing technologies to accurately assess enterprise needs and pre-calculate credit limits, enhancing the accessibility of financing for businesses [3]. Group 3: Integrated Service System - The bank is leveraging its full financial license advantages to create an integrated service matrix that includes core products such as equity, debt, loans, leasing, and custody, providing over 200 billion yuan in funding support for the technology sector [4]. Group 4: Collaborative Ecosystem Development - The bank is collaborating with the Torch Center of the Ministry of Industry and Information Technology to establish a joint laboratory, focusing on data empowerment, scenario innovation, and ecosystem co-construction, thereby increasing support for high-tech parks, quality incubators, and technology enterprises [4].