深圳，一座常住人口平均年龄仅32.5岁的年轻城市，早已按下养老规划"快进键"。 针对深圳城市人口平均年龄总体年轻、家庭小型化特征突出、备老服务市场需求巨大等区域特点，今年 5月，中国人民银行深圳市分行联合深圳金融监管局等十二部门印发《关于统筹做好养老金融大文章 服 务深圳银发经济高质量发展的实施意见》，提出十七条具体落实举措。 做好养老金融，商业银行首担其责。目前，商业银行养老金融业务已形成养老金金融、养老服务金融、 养老产业金融三大核心领域。 深圳这座年轻之城正"积极备老"。养老金金融方面，截至今年9月末，深圳21家银行累计开立个人养老 金账户434万户，累计缴存资金41.36亿元；养老服务金融方面，各大银行网点从线上到线下加快适老化 改造，提升金融服务可得性；养老产业金融上，前三季度，深圳银行业信贷养老贷款同比增速相对较 高。 其中，中国农业银行深圳市分行（简称"农行深圳分行"）今年养老产业贷款余额约3.9亿元，同比增速 高达468%。这背后，是农行深圳分行在养老金融核心业务领域的探索创新，如信贷产品创新、融资渠 道拓宽、养老金融生态打造等。 "养老金融在未来十年、二十年将成为金融机构的主流业务。"国家金 ...

根据工信部12月最新公示的全国第七批专精特新"小巨人"企业名单，深圳有效期内"小巨人"企业总量达 到1333家，位居全国城市首位。 这标志着，继"民营经济第一城"之后，深圳再添"专精特新第一城"的新名片。 这些科技企业呈现"集聚生成"的特点，大多扎根于深圳各大产业园区、创新园区，从小微初创企业逐步 成长为"小巨人"。数据显示，深圳目前拥有超过4400家不同类型和规模的产业园区，数量居于全国首 位，贡献了全市超30%的GDP和70%以上的战略性新兴产业产值。 因此，依托产业园区展开金融支持是支持小微企业的有效路径。在此背景下，深圳首创的"园区贷"应运 而生，通过银行和园区"结对"形式，旨在破解小微融资的"不可能三角"。 作为首批试点银行之一，农业银行深圳分行以"园区贷"作为拳头抓手之一的普惠金融业务交出亮眼答 卷：截至2025年11月末，该行普惠贷款余额超1120亿元，服务小微企业超4.7万户。同时，普惠贷款利 率较2021年下降125个基点，切实落实减费让利政策。 据悉，"园区贷"以高额度、低利率、无抵押为特点，依托"政银园担"协同机制，实现金融资源的精准触 达。今年以来农行深圳分行响应号召，同步升级"园区贷 ...

Core Insights - The article highlights the recognition of various banks in Shenzhen for their contributions to providing high-quality financial services to technology innovation enterprises, thereby supporting the development of new industries and economic models [2][3][4][5]. Group 1: Awarded Institutions - The awarded institutions include major banks such as Bank of China, Agricultural Bank of China, Bank of Communications, Ping An Bank, China Everbright Bank, Shanghai Bank, Guangfa Bank, and Zhuhai Huaren Bank [2]. Group 2: Contributions of Awarded Banks - **Bank of China Shenzhen Branch**: Focused on inclusive finance and key industries, serving over 15,000 local tech enterprises with technology loans exceeding 270 billion yuan, and loans for strategic emerging industries and manufacturing surpassing 200 billion yuan each [2]. - **Agricultural Bank of China Shenzhen Branch**: Innovated multiple financial products, including the first knowledge property asset-backed note and a customized loan product for drone technology enterprises [2]. - **Bank of Communications Shenzhen Branch**: Developed the "Kechuang Pengfei Loan" to address financing difficulties for small and medium-sized tech enterprises by integrating 12 lending dimensions into the assessment system [3]. - **Ping An Bank**: Established a technology finance center to create a comprehensive financial service system covering the entire lifecycle of tech enterprises, with specialized teams in key branches [3]. - **China Everbright Bank Shenzhen Branch**: Built a specialized service team and innovative "Sunshine Innovation" products to support enterprises throughout their lifecycle [3]. - **Shanghai Bank Shenzhen Branch**: Focused on providing diversified financial support for tech innovation enterprises, establishing a unique "12345" technology finance service system [3]. - **Guangfa Bank Shenzhen Branch**: Emphasized customer-centric high-quality development and created a comprehensive technology finance service system [4]. - **Zhuhai Huaren Bank**: Engaged in the Bay Area development, focusing on integrating finance with industry to create a technology-driven specialty industrial bank [5].

Core Insights - The 19th Shenzhen International Financial Expo showcased the achievements and pathways of financial support for the real economy, attracting 288 institutions from various countries and regions [2] - Agricultural Bank of China Shenzhen Branch highlighted its dual-driven approach of "Technology Finance + Inclusive Finance" and launched the "Shenzhen AI City Travel Card Digital RMB Hard Wallet," which became a focal point of the event [2][4] Financial Innovation - The Shenzhen AI City Travel Card addresses key needs of foreign tourists, providing comprehensive information services and supporting public transportation with a simple "tap" operation [4] - The card features a digital RMB hard wallet, allowing foreign visitors to easily obtain and recharge the card using foreign currency or overseas bank cards, enhancing payment convenience [4][5] Strategic Development - The successful launch of the AI City Travel Card represents an innovative practice focusing on the core needs of foreign tourists, showcasing the dual empowerment of financial services and cultural tourism development [5] - The Agricultural Bank of China Shenzhen Branch has been actively promoting digital RMB innovations, including applications in cross-border payments and insurance, marking significant progress in the digital currency landscape [5][6] Technology and Inclusive Finance - The bank's exhibition at the expo demonstrated its efforts in supporting Shenzhen's "20+8" industrial clusters and small and micro enterprises, with over 1.3 million loans to technology enterprises and a loan growth rate exceeding 40% [6][7] - The bank has developed various financial products tailored for small and micro enterprises, achieving a loan balance of over 140 billion RMB and serving more than 30,000 small micro loan clients this year [7] Future Outlook - The expo served as a platform for the bank to communicate its strategic direction of driving technological innovation and serving the real economy, contributing to Shenzhen's goal of becoming a globally influential industrial financial center [8]

Core Insights - The 19th Shenzhen International Financial Expo showcased the theme of "Global Industrial Financial Center," with an exhibition area of 15,000 square meters and participation from 288 institutions worldwide [2] - Agricultural Bank of China Shenzhen Branch highlighted its dual focus on "Technology Finance + Inclusive Finance," launching the "Shenzhen AI City Travel Card Digital RMB Hard Wallet" as a key product [2][3] Group 1: Product Launch and Features - The "Shenzhen AI City Travel Card" integrates AI, cultural tourism, and finance, addressing key needs of foreign tourists in Shenzhen [3] - The card offers comprehensive services including information on natural attractions, dining, shopping, and tax refund guidance, along with real-time translation for 145 languages [3][4] - The digital RMB hard wallet feature allows foreign visitors to easily obtain and recharge the card using foreign currency or overseas bank cards, enhancing payment convenience [4] Group 2: Strategic Initiatives and Financial Services - The project represents a significant advancement in the application of digital RMB, aligning with national goals to improve payment convenience for foreign visitors [4] - Agricultural Bank of China Shenzhen Branch has been actively promoting digital RMB innovations, including applications in cross-border payments and insurance [5] - The bank's initiatives in technology finance have led to over 13,000 technology enterprises served, with a loan growth rate exceeding 40% [7] Group 3: Inclusive Finance and Community Engagement - The bank showcased products like "Industry Chain Loan" and "Park e-Loan" to support small and micro enterprises, with a small business loan balance exceeding 1.4 trillion yuan [8][9] - The bank has engaged in community outreach through events like "惠企万里行" to connect with businesses and provide tailored financial services [9] - The bank's commitment to agricultural finance was highlighted through innovative applications of digital RMB in agricultural scenarios [9] Group 4: Future Outlook - The expo served as a platform for the bank to communicate its strategic direction focused on technological innovation and service to the real economy [10] - The bank aims to enhance financial supply and service experience, contributing to Shenzhen's development as a global industrial financial center [10]

Core Insights - Shenzhen's financial sector has played a crucial role in the city's rapid development over the past 45 years, providing essential funding for innovation and growth [1][2] - Agricultural Bank of China Shenzhen Branch has been a key player in supporting the local economy, particularly in technology innovation and small and micro enterprises [2][4] Financial Support for Technology Innovation - Agricultural Bank of China Shenzhen Branch established a financial service center for technology enterprises in July 2020, launching the "Qianfan Qihang" service brand to support the entire lifecycle of tech companies [2] - As of June 2025, the bank's collaboration coverage with key tech enterprises in Shenzhen reached 80% [2] Support for Small and Micro Enterprises - The bank focuses on providing tailored financial services to small and micro enterprises, enhancing accessibility and satisfaction [4] - Innovative products like "Industry Chain Loan" utilize big data to offer automated and convenient credit services to quality small enterprises [4] Digital Currency Integration - Agricultural Bank of China Shenzhen Branch has been at the forefront of integrating digital RMB into urban life, launching the "Smart Payment Assurance" platform to address consumer pain points [6][7] - The platform has served nearly 2,000 enterprises and managed over 1.5 billion RMB in funds, enhancing consumer protection [6] Elderly Care Financial Services - The bank has developed a comprehensive pension service system, integrating various pension products and enhancing accessibility for the elderly [8] - It aims to support the elderly population in Shenzhen through tailored financial solutions and educational initiatives [8] Green Finance Initiatives - Agricultural Bank of China Shenzhen Branch has significantly increased its green loan balance, which surpassed 130 billion RMB, with green loans now constituting 18% of total loans [9][10] - The bank has pioneered various green financing projects, including the first green asset-backed securities in Shenzhen, to support sustainable development [10]

Group 1: Core Insights - Shenzhen's financial sector has played a crucial role in the city's rapid development over the past 45 years, providing essential funding and serving as a model for financial reform in China [1][2] - Agricultural Bank of China Shenzhen Branch has established itself as a key financial player, supporting various sectors including technology innovation, digital transformation, and green transition [1][2][3] Group 2: Support for Technology Enterprises - The bank has launched initiatives like the "Thousand Sails Enterprise Voyage" service brand, which supports technology enterprises throughout their lifecycle, addressing their financing and resource needs [2][3] - As of June 2025, the bank's collaboration coverage with key technology enterprises in Shenzhen reached 80% [2] Group 3: Empowering Small and Micro Enterprises - The bank focuses on small and micro enterprises, providing tailored financial services and innovative products like "Industry Chain Loan" to enhance accessibility and satisfaction [4][5] - The bank has developed specific loan products to support the agricultural supply chain, ensuring stability in food supply for the city [4] Group 4: Digital Currency Integration - The bank is at the forefront of integrating digital currency into urban life, having launched the "Smart Payment Assurance" platform to address consumer pain points in prepayment scenarios [6][7] - The bank has engaged in educational activities to promote the use of digital currency, distributing nearly 150 million yuan in digital currency red packets to enhance public awareness [6][7] Group 5: Elderly Care Financial Services - The bank has developed a comprehensive pension service system, integrating various pension products and enhancing accessibility for the elderly [8] - It has also focused on promoting financial literacy among the elderly through various outreach initiatives [8] Group 6: Green Finance Initiatives - The bank has significantly increased its green loan balance, which surpassed 130 billion yuan, with the proportion of green loans rising from 3% to 18% since 2019 [9][10] - The bank has established a green finance committee to ensure the effective implementation of its green development strategy [10]

Group 1 - The core viewpoint of the article highlights the successful IPO of Yujian Technology on the Hong Kong Stock Exchange, marking it as the first stock of collaborative robots, with Agricultural Bank of China playing a crucial role throughout the process [1] - Agricultural Bank of China's Shenzhen branch has established itself as a key player in supporting innovative enterprises, having served over 10,000 tech companies with a loan scale exceeding 100 billion [1] - The bank's collaboration with key innovative enterprises in Shenzhen has reached an 80% coverage rate by mid-2025, demonstrating its commitment to supporting the local economy [1] Group 2 - The "Qianfan Qihang" service brand was launched by Agricultural Bank of China's Shenzhen branch to provide comprehensive financial services for tech enterprises throughout their lifecycle [4][5] - The bank has developed a differentiated service model that addresses the unique challenges faced by tech companies, such as lack of collateral in the startup phase and funding shortages during growth [4][5] - Innovative financial products like "Innovation Credit Loan" and "Industry Chain Loan" have been introduced to cater to the specific needs of tech enterprises, emphasizing credit-based and online services [5][12] Group 3 - Agricultural Bank of China's Shenzhen branch has successfully implemented several pioneering financial products, including the first knowledge property Asset-Backed Note (ABN) and a customized personal loan product for drone tech companies [5] - The establishment of a dedicated equity investment team aims to enhance the bank's capabilities in equity financing, collaborating with over 80 market-oriented venture capital institutions [9] - The bank's "Qianfan Qihang" fund has completed 11 investments, covering six specialized "little giant" enterprises, with one successfully listed and two others applying for IPOs [9] Group 4 - The bank has developed a "balance mechanism" to manage risks and returns in its tech finance operations, focusing on industry research and collaboration with guarantee and insurance institutions to mitigate risks [12] - Future plans include enhancing the product system for tech enterprises, building a matrix of funds to support early-stage investments, and strengthening resource allocation and talent development in the tech finance sector [12][13] - The bank's commitment to innovation in tech finance is seen as a significant growth area for the economy, despite facing various challenges [13]