立足"十五五"新起点，"加快发展现代产业体系，巩固壮大实 体经济根基"被置于12项战略任务首位。中国正推动产业体系 向智能化、绿色化、融合化方向纵深发展。 在此期间，我国 现代产业体系在规模体量、科技创新、智能化与绿色化转型、 企业竞争力等维度实现了历史性跨越，产业体系的完整性、先 进性和安全性显著增强。在这一进程中，金融活水始终是支撑 产业发展的关键力量。 这场深刻的产业"升维"，呼唤一场同 样深刻的金融变革。 作者：柏炎 封图：图片资料室 "研发投入占我们营收的8%到10%，但银行的传统信贷模型只认厂房设备抵押，资金流成了发展 的拦路虎。"磐谷动力有关负责人的感慨，道出了无数科创企业的共同焦虑。 打破这道壁垒，需要金融评价体系的深层变革。农业银行重庆永川支行在走访磐谷动力时，并未拘 泥于传统的评估模式，而是启动了创新的"技术流"评价体系，为企业进行精准的科技属性画像。 综合考量企业专利的"含金量"、研发投入强度、科研团队构成，基于对企业技术实力和成长性的 全面判断，及时投放了首笔贷款。 北纬29°，山城重庆。在磐谷动力技术有限公司（下称"磐谷动力"）展厅墙上，百余张专利证书无 声诉说着这家国家级专精特新" ...

Core Viewpoint - Tianjin is positioned as a financial innovation demonstration zone, contributing significantly to the city's high-quality development through financial sector growth and innovation [1][5]. Financial Sector Growth - From 2014 to 2024, the value added by Tianjin's financial industry is projected to increase from 139 billion to 256.5 billion, representing an 84.5% growth [1]. - The financial industry's contribution to Tianjin's GDP is expected to rise from 8.8% to 14.2%, with a further increase to 15.6% in the first quarter of 2025 [1]. Technology and Finance Integration - Tianjin is promoting a "technology-industry-finance" cycle to support the growth of technology startups, with initiatives like "Tian Kai Loan" and "Chuang Xiang e-loan" [1][2]. - The Tian Kai Park has linked 179 financial institutions, creating a fund cluster exceeding 20 billion for angel investment, venture capital, and industry support [5]. Support for Manufacturing Sector - Agricultural Bank of Tianjin has provided diverse financial services to companies like Fit (Tianjin) Testing Technology Co., enhancing their growth and transformation [6][8]. - In 2024, new credit issued to key industry chain enterprises increased by 22.9%, with a total of 46.8 billion in loans issued, reflecting a 23.5% year-on-year growth [8]. Innovative Financial Models - Tianjin has introduced a unique "financing leasing + insurance + credit" model to support domestic ship exports, showcasing the city's innovative financial ecosystem [9][10]. - By the end of 2024, the asset scale of Tianjin's financing leasing (including financial leasing) is expected to exceed 2.3 trillion, with commercial factoring assets surpassing 300 billion [10].

Group 1 - The core viewpoint of the articles highlights the innovative advancements in robotics, particularly the wall-climbing robot developed by Bihui Bifang Robotics, which significantly enhances efficiency in hazardous industrial tasks such as rust removal and painting [1] - Bihui Bifang was established in November 2020 and is recognized as a national high-tech enterprise, focusing on the research and manufacturing of industrial wall-climbing robots for various sectors including petrochemical, shipping, and power [1] - The company leverages advanced technologies such as permanent magnetic adsorption and integrated positioning navigation to effectively replace traditional manual labor in dangerous work environments [1] Group 2 - The financial support from China Agricultural Bank's Tianjin Hongqiao branch played a crucial role in Bihui Bifang's development, providing a credit loan of 4.5 million yuan within a week to support its growth [1] - The bank has established a differentiated evaluation system to cater to the unique needs of technology-driven enterprises at various stages of development, enhancing financial services for startups and promoting innovation [2] - As of May 2025, the bank's loans to technology enterprises are projected to increase by 7.5 billion yuan, with a growth rate exceeding 20%, significantly outpacing the overall loan growth rate [2]