"贴地飞行"看懂看透科技企业 以往银行传统的放贷逻辑很简单，看企业财务报表或者抵押品充足就可以了。而在上海"大零号 湾"科技创新策源功能区，众多初创期的科创企业还在经历漫长的研发周期，有的还在推动技术的商业 化进程。这些"小企业"在发展初期普遍面临研发投入高、资金短缺等问题，没有显而易见的财务报表， 更没有抵押品，银行如何赋能这类"早小硬"科技企业？ 现如今的科技，已经可以让银行服务触手可及，但有很多科技企业尤其是处于孵化期、初创期的企 业却还是面临"融资难"，信息不对称、银行对科技企业"看不透"是"不敢贷"的因素之一。 新华财经上海7月11日电（记者 王淑娟）汇聚13000余家企业，其中高新技术企业706家，有效发明 专利拥有量17406件，国家级研发机构32家……位于上海闵行的"大零号湾"正以蓬勃之势成为上海科 创"新地标"。 科创的繁荣，离不开阳光雨露般的生态滋养，而金融服务是其中的重要一环。目前，"大零号湾"金 融港已投入运营，融资服务中心挂牌启用，26家金融机构集中入驻，包括银行、投资机构、券商等，共 同构建起"投、贷、保、扶"联动的金融服务生态。近期，记者走进"大零号湾"，看科技金融新生态如何 驱 ...

Group 1 - The "Big Zero Bay" in Shanghai Minhang is emerging as a new landmark for technological innovation, housing over 13,000 enterprises, including 706 high-tech companies and 17,406 valid invention patents [1] - The financial services ecosystem at "Big Zero Bay" includes 26 financial institutions, such as banks and investment firms, providing a comprehensive financial service model that integrates investment, loans, insurance, and support [1] - The traditional lending logic of banks is evolving to better serve early-stage tech companies, which often lack sufficient financial statements or collateral [2][3] Group 2 - The approach of banks in "Big Zero Bay" involves direct engagement with tech companies, fostering deeper understanding and trust through face-to-face interactions rather than traditional methods [3] - The unique characteristics of tech enterprises necessitate a tailored financial service model that differs from traditional manufacturing firms, emphasizing close collaboration with startup teams [3][4] - The rapid development of tech companies, such as Helios Starlink, highlights the importance of timely financial support to avoid equity dilution and facilitate growth [4][5] Group 3 - The financial services provided by banks are crucial during the early stages of tech companies, referred to as the "0 to 0.5 stage," where they require significant support to navigate challenges [6] - The collaboration between financial services and tech innovation not only supports the growth of tech companies but also opens new avenues for the banking sector's transformation [6]