（原标题：河北银行："技术流+信用评价"重构科创金融 满足产业融资需求） 21世纪经济报道记者 叶麦穗 "做科创金融，要打破传统信贷思维。"河北银行科创金融部总经理刘兴国 在"第二十届21世纪金融年会"表示，该金融年会由南方财经全媒体集团指导、21世纪经济报道主办。刘 兴国指出，该行迭代了科技金融顶层设计、风控逻辑与产品体系，针对科技型企业不同生命周期推 出"线上+线下、定制+标准、长短期搭配"的矩阵式信贷产品，最快30分钟放款，率先走出一条区域性 银行服务高水平科技自立自强的新路径。 破解"最初一公里"融资难题 河北银行科创金融部总经理刘兴国表示，科创金融的发展必须打破传统信贷思维，基于科技企业的独特 属性，该行从顶层设计到底层逻辑、从产品研发到风控策略进行全面重构，构建起线上 + 线下、定制 + 标准、长短期搭配、还款方式灵活的科创信贷产品体系，彻底告别单一产品服务模式。 针对初创期和种子期企业资产薄、风险错配的痛点，河北银行借助地方政府设立的科创风险补偿金，推 出纯线上信用类产品 "科冀贷"，最高额度 1000 万元、最长期限 5 年，精准解决企业 "最初一公里" 融 资难题。 进入成长期，银行将信贷评 ...

Core Viewpoint - The article emphasizes the importance of small and micro enterprises (SMEs) in the economy and highlights the efforts of CITIC Bank's Guangzhou branch to alleviate their financing difficulties through innovative financial products and supportive policies [2][5]. Group 1: Financing Support Mechanisms - CITIC Bank Guangzhou branch has established a financing coordination mechanism to support SMEs, resulting in a balance of over 600 billion yuan in inclusive loans by June 2025, serving nearly 30,000 SMEs [2][5]. - The bank has formed a dedicated task force to facilitate the implementation of policies aimed at supporting SMEs, ensuring that inclusive loan indicators are included in branch performance assessments [3][4]. Group 2: Innovative Financial Products - The bank has introduced innovative products such as "Science and Technology e-loan," "Supply Chain Finance," and "Government-Bank-Guarantee Cooperation" to address the unique financing needs of SMEs, characterized by short, small, frequent, and urgent requirements [4]. - Specific case studies illustrate the bank's tailored financial solutions, such as a 10 million yuan credit loan for a technology company and a flexible repayment plan for a steel trading company, leading to significant revenue growth for these businesses [4][5]. Group 3: Economic Impact and Future Outlook - The support provided by CITIC Bank has resulted in a win-win situation, enhancing the development of SMEs and contributing to regional economic growth, with the bank's SME loan balance exceeding 150 billion yuan by mid-2025, an increase of over 10 billion yuan since the beginning of the year [5]. - Looking ahead, CITIC Bank plans to deepen its financing coordination mechanisms to further enhance its support for SMEs and contribute to the high-quality development of the Guangdong-Hong Kong-Macao Greater Bay Area [5].