贷款不用抵押物 创新能力可变现 邯郸以创新积分巧解科创企业融资难 为破解这些难题，邯郸搭建起优质科创企业与金融机构的对接平台。2024年4月，邯郸在全省率先推行 企业创新积分制，打通科技、税务等相关部门信息堵点，构建涵盖技术创新、成长经营、人才资质等内 容的量化评价体系，一企一档为企业创新能力精准"画像"，作为变现的依据。紧接着，该市建立企业创 新积分信息服务平台，引导金融机构应用积分结果，推出"创新积分贷""冀科数智贷"等信贷产品，对优 质科创企业在信贷利率、授信额度、贷款期限等方面给予差异化支持，让企业的创新实力直接转化为融 资优势。 在邯郸，企业创新积分不仅可换来贷款，还能让企业享受保费优惠，从而降低创新风险。 曲周晨光生物集团是国家制造业单项冠军企业，拥有国家企业技术中心、国家地方联合工程实验室等科 研平台，多年深耕植物提取行业，但新品研发也面临风险。2025年10月，邯郸在全省率先推出的科技保 险"冀科积分保"为企业带来利好。 "以前，新技术、新产品研发失败的风险全由企业承担，是一笔不小的负担。"晨光生物集团总经理卢颖 表示，由于企业创新积分排名靠前，不仅保费有优惠，还能享受政府科技保险补贴，大大降 ...

Group 1 - The Ministry of Science and Technology announced the list of cities selected for the innovative points system, with Handan being the only city in Hebei province to be included [1] - Handan aims to empower regional industrial cluster development through the innovative points system, with a focus on creating a unique indicator system [1] - In February 2024, Handan will implement an enterprise innovation points system, establishing a comprehensive evaluation system with three primary indicators and 25 secondary indicators [1] Group 2 - The financial institutions in Handan have launched specialized credit products such as "Innovation Points Loan" and "Jike Digital Loan," providing 842 billion yuan in loans to 636 enterprises [2] - This initiative effectively addresses the financing difficulties faced by technology enterprises due to the lack of traditional collateral [2] - The provincial science and technology department plans to accelerate the development of replicable and promotable new experiences based on the task requirements [2]