新华财经北京12月11日电（记者 翟卓）作为金融"五篇大文章"之首，科技金融是激活科创动能、推动 产业升级的核心引擎。 记者日前赴江浙皖等地调研了解到，为破解银企短期合作导向、风险收益不匹配等顽疾，各地因地制 宜，从创新一项产品、搭建一个平台等小切口着手，助力科创企业获得更具耐心的资本支持、推动银行 同业化竞争为共赢，促进科技金融迈向更具商业可持续的良性循环。 ——探索"深度合作" 银企在皖"结伴"成长 在安徽合肥，成立于2019年的安徽中科昊音智能科技有限公司，是一家聚焦于工业声纹监测解决方案 的"黑科技"企业，可以将机器设备运行中产生的声音转化为可视化波形图，相当于给它们用上了24小时 的"心电图"。 据中科昊音联合创始人徐泉介绍，公司以AI声纹算法为基础，致力于能源、水利、矿山、钢铁、交通 等监测设备的研发与生产，部分领域声纹识别准确率高达99.84%。但因为产能扩张存在资金缺口，一 时间企业出现了融资难题。 随着银企合作不断加深，今年2月，兴业银行合肥分行又基于公司需求将纯信用授信额度扩盘至2000万 元；中科昊音也在10月份正式成长为专精特新小巨人企业。 而为更好丰富"共同成长计划"，中国人民银行安 ...

Core Viewpoint - The integration of technology and finance is driving the high-quality development of innovative enterprises in China, with banks playing a crucial role in providing tailored financial services to support the growth of these companies [1][2]. Group 1: Financial Support for Technology Enterprises - Jiangsu province has over 89,000 technology-based SMEs and 57,000 high-tech enterprises, leading the nation in these categories [2]. - By the end of Q3 2025, the balance of technology loans in Jiangsu exceeded 5 trillion yuan, a year-on-year increase of 16% [2]. - The China Bank Jiangsu branch provided systematic financial services to technology enterprises, adjusting support based on company performance over seven years [3][4]. Group 2: Comprehensive Financial Services - China Bank Jiangsu branch served over 24,000 technology finance clients, with a technology loan balance of 551.7 billion yuan, up 21.9% year-on-year [4]. - Construction Bank Suzhou branch developed a "3+4" technology financial service system, enhancing support for technology innovation [4][5]. - By the end of October 2025, Construction Bank Suzhou branch served over 12,000 technology enterprises, with a technology loan balance exceeding 160 billion yuan [5]. Group 3: Innovative Financial Products - Jiangsu Bank launched products like "Smart Transformation Loan" and "Low Carbon Loan" to meet the needs of growing technology enterprises [6][7]. - By September 2023, Jiangsu Bank's technology loan balance reached nearly 290 billion yuan, serving 24,000 technology enterprise clients [7]. - Changshu Rural Commercial Bank focused on small and micro enterprises, providing tailored financial services and achieving over 2200 technology enterprise loans with a balance exceeding 15 billion yuan [6][7]. Group 4: Collaborative Financial Models - Zhejiang province introduced the "Zheke United Loan" model to enhance cooperation among banks, addressing the limitations of single-bank services [8][10]. - Since its launch, 27 banks in Zhejiang have participated in the "Zheke United Loan," providing loans totaling 10.87 billion yuan to 197 enterprises [11]. - The model allows for risk-sharing among banks, enhancing the capacity to support technology enterprises [10][11]. Group 5: Growth-Focused Financial Initiatives - Anhui province implemented the "Common Growth Plan" to address the mismatch between risk and return in technology credit [15][19]. - By September 2023, the plan had signed over 15,000 enterprises, with a loan balance exceeding 210 billion yuan [17][18]. - The "Common Growth Plan 2.0" introduced a "Stock Option Income Swap Model" to facilitate easier access to financing for technology enterprises [19][21].

Core Viewpoint - The article emphasizes the deep integration of technology and finance in China, particularly in Jiangsu, Zhejiang, and Anhui provinces, highlighting how banks are innovating financial services to empower high-quality development of technology enterprises [2]. Group 1: Jiangsu's Financial Support for Tech Enterprises - Jiangsu has 89,000 technology-based SMEs and 57,000 high-tech enterprises, leading nationally in both categories [4]. - By Q3 2025, the province's technology loan balance exceeded 5 trillion yuan, a 16% year-on-year increase, with 65,800 technology enterprises receiving loans, an increase of 1,304 from the previous year [4]. - Bank of China Jiangsu Branch provided systematic financial services across the entire lifecycle of tech enterprises, with a technology loan balance of 551.7 billion yuan, up 21.9% year-on-year, serving over 24,000 clients [7]. - Construction Bank Suzhou Branch developed a "3+4" technology financial service system, serving over 12,000 tech enterprises with a loan balance exceeding 160 billion yuan [8]. Group 2: Innovative Financial Products - Jiangsu Bank launched products like "Smart Transformation Loan" and "Low Carbon Loan" to support tech enterprises in their growth phases [10]. - Jiangsu Bank's technology loan balance reached nearly 290 billion yuan, with 24,000 clients, indicating significant engagement with specialized enterprises [11]. - Changshu Rural Commercial Bank focused on small and micro enterprises, providing tailored financial services and establishing a "joint investment" strategy [12]. Group 3: Zhejiang's "ZheKe Joint Loan" Model - Zhejiang's "ZheKe Joint Loan" model was introduced to address the limitations of single bank services, facilitating long-term partnerships among banks to support tech enterprises [14][16]. - The model includes three types of loans for different stages of enterprise development, with a total of 27 banks participating and 1.087 billion yuan disbursed to 197 enterprises [17][18]. Group 4: Anhui's "Common Growth Plan" - Anhui's "Common Growth Plan" was launched to address the mismatch of risk and return in tech credit, with over 15,000 enterprises signing up and a loan balance exceeding 210 billion yuan [22][23]. - The plan allows for longer loan terms and higher average credit amounts, with an average term of 3.1 years and credit amounts exceeding 31 million yuan [26]. - The "Common Growth Plan 2.0" introduced a "stock option income swap model" to enhance financial support for tech enterprises, with over 1,000 transactions completed [29][30].

Core Insights - The company has developed over 10 credit products specifically for technology enterprises, shifting from traditional collateral-based lending to evaluating potential based on technology level, team composition, and market prospects [1] - As of September 2023, credit loans to technology enterprises account for over 50% of the branch's total, serving more than 10,000 technology enterprises in Anhui Province [1] - The establishment of the Technology Finance Center in 2024 will enhance the company's ability to support technology enterprises through specialized approval authority, internal funding subsidies, and a due diligence exemption policy [1] Policy Support - The company benefits from policy support initiatives such as the "Joint Growth Plan" by the People's Bank of China Anhui Branch and innovative products like "Loan-Investment Batch Linkage" and "Startup Credit Loans" from the Anhui Financial Regulatory Bureau [1] Achievements - The company has supported enterprises that have successfully gone public, become national-level specialized and innovative "little giants," and achieved breakthroughs in key technologies [1] - The company aims to continue accompanying outstanding enterprises during the "14th Five-Year Plan" period [1]

Core Insights - The article highlights the achievements of the Hefei branch of Industrial Bank in the 2024 Anhui Province financial competition, where it won the "Technology Finance Champion" and "First Place in Small and Medium Banks" awards, reflecting its commitment to national strategy and regional development [1] Group 1: Technology Finance - The Hefei branch prioritizes technology finance as its main focus, providing differentiated financial services and fostering a positive cycle among technology, industry, and finance [1] - The branch's "Common Growth Plan" has the highest number of signed clients and loan balances among regional shareholding banks, with a target of serving over 11,000 technology enterprises and achieving a technology loan balance exceeding 50 billion yuan by the end of 2024 [1] Group 2: Green Finance - The Hefei branch is a pioneer in green finance, with a green loan balance exceeding 28 billion yuan by the end of 2024, an increase of 5.4 billion yuan from the previous year [2] - The branch focuses on key areas such as carbon neutrality, renewable energy, and waste management, providing a comprehensive and sustainable green finance service system [2] Group 3: Inclusive Finance - The Hefei branch enhances inclusive finance services by implementing a long-term mechanism for small and micro-enterprise financing, with an inclusive small and micro loan balance of 12.2 billion yuan, an increase of 2.2 billion yuan from the previous year [2] - The branch innovates financial products and services, establishing online credit service channels to provide precise and efficient financial services to small and micro enterprises [2] Group 4: Pension Finance - The Hefei branch is actively developing a comprehensive pension finance service system to meet the diverse investment needs of elderly clients [3] - The branch is upgrading its service points and self-service terminals for elderly customers, offering home and remote video services to enhance accessibility [3] Group 5: Digital Finance - The Hefei branch is accelerating its digital transformation, with online financing balances exceeding 2.6 billion yuan and serving over 600 small and micro clients by the end of 2024 [3] - The branch aims to integrate digital technology into its service areas to support high-quality economic and social development [3]