21世纪经济报道记者张欣 11月22日，为凝聚行业智慧、探寻发展新路径，由南方财经全媒体集团指导、21世纪经济报道主办 的"第二十届21世纪金融年会"在北京盛大召开。 值得注意的是，工行还通过提供"股贷债保"全周期接力式金融服务为科技型企业赋能。股权业务方面， 发挥集团多元化牌照优势，以AIC、保险、理财、境外投行等综合化子公司满足科技型企业全生命周期 股权融资需求。其中，工银投资股权投资试点基金签约意向规模超 2000 亿元、投资近 50 亿元，行业引 领。科创债券方面，工行作为发行人在银行间市场发行200亿元科技创新债券，该债券为市场首批、国 有大行首单且发行规模最大的同类产品。 展望"十五五"，胡广文表示，工行将深入贯彻落实党的二十届四中全会精神，深化全面金融解决方案， 扩大生态朋友圈，以"资金链+服务链+生态链"全方位支撑创新驱动发展战略，坚持把国家所需、金融 所能、工行所长紧密结合，认真做好科技金融等"五篇大文章"，为助力加快高水平科技自立自强、引领 发展新质生产力持续贡献工行力量。 "目前，工商银行（601398）科技贷款余额已突破6万亿，科技型企业贷款余额突破2.5万亿，科技相关 产业贷款余额突 ...

21世纪经济报道记者 吴霜 11 月 22 日，为凝聚行业智慧、探寻发展新路径，由南方财经全媒体集团指导、21 世纪经济报道主办的 "第二十届 21 世纪金融年会" 在北京盛大召开。中关村银行业务管理部总经理刘亚明代表该行参与 了"金融助力高水平科技自立自强"主题论坛，分享了这家北京唯一民营银行在科技金融领域的深耕经验 与未来规划，展现了其聚焦初创期科创企业、以生态赋能和专业深耕破解融资痛点的独特实践。 作为定位 "创新创业者银行" 的金融机构，中关村银行自 2017 年成立以来，始终扎根北京科创生态，专 注服务最前沿、最早期的高科技企业。刘亚明指出，北京聚集了大量科研院所、国家实验室及高科技企 业，这些初创企业普遍面临 "轻资产""长期融资难" 两大核心痛点，这既是银行服务的难点，也是差异 化竞争的突破口。 在实践中，中关村银行打造了以"认股权贷款"为核心、以"惠创"系列为协同的"1+N"的产品服务体系， 覆盖科创企业从种子期到成熟期的全生命周期。 处于种子期的企业，该行形成了一套以人才评价作为核心的风控策略，叫做"走进实验室、拥抱科学 家",该行尤其重视企业人才的评估和知识产权的积累，推出了线上自动审批的 ...

"天马行空"的创意要落地生根，离不开金融"活水"的持续浇灌。在文化强国战略深入推进的新阶段，文 化产业转型升级步伐加快，两大趋势日益凸显。 一方面，"文化+科技"加速融合，成为新质生产力的重要赛道。深度融合人工智能、AIGC、虚拟制片等 前沿技术的科技型文化企业，往往研发投入大、变现周期长且具有轻资产特点，对金融支持的精准性与 适配性提出更高要求。 另一方面，以网络文学、网络游戏、网络影视剧为代表的文化"新三样"出海提速，文化企业对跨境结 算、资本运作及全球合规等综合金融服务的需求日益迫切。 不同于提供传统的信贷支持，中国银行广东省分行（下称"广东中行"）更注重以"商行+投行"思维介入 文化企业全生命周期，通过"科技通宝""创新积分贷"等工具赋能科技型文化企业突破研发瓶颈；也依托 全球化网络与综合化服务优势，助力文化企业高效拓展海外市场。 11月26日，2025粤港澳大湾区文化产业投资大会在广州开幕，广东中行作为大会协办单位参会，为文化 企业带来集"投、贷、服"为一体的全方位综合服务方案。 这种"既懂科技、又通国际"的服务能力，正在为广东打造粤港澳世界级数字文化中心提供强有力的金融 支撑，助力文化企业既"飞得 ...

乐山市商业银行(以下简称"乐山商行")作为服务区域经济发展的地方法人银行，深刻把握中央金融工作 会议精神，将"加快建设金融强国"目标与自身高质量发展紧密结合，坚守金融服务实体经济根本宗旨。 面对新形势新挑战，该行积极响应国家战略号召，深度融入成渝地区双城经济圈建设，并以此为契机， 全面贯彻落实金融系统做好科技金融、绿色金融、普惠金融、养老金融、数字金融"五篇大文章"的战略 部署。通过系统规划、精准发力、深化改革，致力于将国家战略与经济转型机遇转化为服务实体经济、 助推区域发展的具体实践，探索出一条以金融"五篇大文章"为核心抓手，服务国家战略与实现自身转型 发展互促共进的有效路径，为金融高质量发展服务中国式现代化贡献"乐商"力量。 战略引领，深度融入区域发展 积极对接成渝地区双城经济圈建设，制定专项发展规划，加强政策支持和资源倾斜，推动一批重大项目 加快落地。畅通政银企对接，主动走访市县政府、重点企业，对接重大工程项目，建立深层次战略合作 与"合作共赢"机制，共促区域经济高质量发展。聚焦"双链"驱动，深耕成都、乐山、宜宾、泸州、绵阳 等重点区域，实施"政信链+产业链"双轮驱动策略，夯实政信业务基础，带动优质产业 ...

智通财经APP获悉，11月19日，香港财经事务及库务局(香港财库局)与深圳市地方金融管理局联合发布 《关于携手打造港深全球金融科技中心的行动方案(2025-2027年)》，充分发挥深港两地在金融科技的优 势，携手打造全球金融科技中心。行动方案的重点措施包括：推动深圳金融机构在港成立金融科技子公 司；支持两地共建金融科技联合孵化器；鼓励深圳科技企业利用香港"生物科技公司上市通道"、"特专 科技公司上市通道"及"科企专线"等便利政策来港融资；鼓励深圳企业在港发行可持续发展离岸人民币 债券；推动数字人民币应用场景持续创新；以及支持两地共同参与"多种央行数码货币跨境网 络"(mBridge)项目的研究与应用。 此外，行动方案也会推动两地共同培育金融科技人才，并加强与业界的连系及合作，包括推进"深港澳 金融科技师"专才计划、鼓励两地行业协会及金融机构合办金融科技活动；以及加强两地大型金融科技 活动联动合作等。 香港财库局局长许正宇表示："香港特区政府十分重视金融科技发展，金融科技水平更获最近一期《全 球金融中心指数》报告评为全球第一。这次行动方案正是结合香港在金融科技领域的领先优势与深圳的 产业金融强项，提出多项涵盖数 ...

人民财讯11月19日电，香港财经事务及库务局联合深圳市地方金融管理局共同发布《关于携手打造港深 全球金融科技中心的行动方案(2025—2027年)》，其中提出，助力科技金融提质增效。依法依规支持深 圳科技企业用好香港"生物科技公司上市通道"(上市规则第十八A章)"特专科技公司上市通道"(上市规则 第十八C章)及"科企专线"等政策赴港交所融资。鼓励金融机构充分运用内外部数据和大数据技术，对科 技型企业全景画像，提升客户筛选和营销对接效率。创新推出更多契合科技企业全生命周期发展特点的 金融产品和服务，加力推进"科技初创通""创新积分贷"等创新业务，促进金融服务触达更多初创期、成 长期科技企业。 ...

Core Viewpoint - High-quality development is the primary task for building a modern socialist country, with the development of new productive forces being essential for achieving strategic advantages in major power competition [2] Financial Support for High-Quality Development - As of September 2025, China Bank's technology loan balance reached approximately 4.7 trillion yuan, with over 160,000 credit accounts; domestic RMB loans increased by 1.67 trillion yuan, a growth of 9.15%; loans for strategic emerging industries reached 3.12 trillion yuan, up 26.29% from the previous year [2] - China Bank is committed to supporting the transformation and upgrading of traditional industries towards intelligent, green, and integrated development [2][3] Case Studies of Financial Support - In Hebei, China Bank provided 110 million yuan to Kangnuo Food Co., enhancing production capacity by nearly three times; in Jiangsu, 350 million yuan was loaned to Nanjing High-Speed Gear Manufacturing Co. for project completion; in Tianjin, 15 billion yuan was allocated to support Tianjin Port Group in building a world-class smart port [3] - By October 2025, China Bank signed over 150 projects for equipment updates in key sectors, with a total signed amount exceeding 40 billion yuan [3] Support for Emerging Industries - Strategic emerging industries have seen their GDP contribution rise from 7.6% to over 13% in the past decade; China Bank focuses on 66 national strategic emerging industry clusters, directing financial resources towards early, small, long-term, and hard technology investments [5] - In the high-end equipment manufacturing sector, China Bank supports the domestic large cruise ship project and provides comprehensive services for the overseas sales of domestic aircraft [5] Focus on Future Industries - Future industries are seen as key to the next wave of technological revolution; China Bank is proactively positioning itself to support these industries through tailored financial services for technology entrepreneurs and researchers [7] - The bank has initiated equity investment projects in critical future industry areas, injecting venture capital into technology firms [7] Financial Ecosystem Development - China Bank is enhancing its financial supply-side structural reforms to better align with technological innovation needs, creating a specialized service network across the country [8] - The bank has introduced various innovative financial products, including intellectual property pledge loans and specialized loans for small and medium enterprises [8][9] Collaborative Efforts - China Bank has launched the "Zhongyin Sci-Tech Innovation Ecosystem Partner Program" to build innovation ecosystems in major cities and has established partnerships with over 400 investment institutions to meet diverse financing needs of technology companies [9] - As of September 2025, the cumulative supply of comprehensive technology finance services exceeded 830 billion yuan, with green loan balances surpassing 4.66 trillion yuan, reflecting a growth of 20.11% from the previous year [9] Future Outlook - As the "14th Five-Year Plan" concludes, China Bank aims to deepen financial supply-side structural reforms and continue to inject financial resources into the real economy, contributing to the construction of a modern socialist strong country [10]

Core Viewpoint - High-quality development is the primary task for building a modern socialist country, with the development of new quality productivity being essential for achieving strategic advantages in major power competition [2] Group 1: Financial Support for New Quality Productivity - As of September 2025, the balance of technology loans from the Bank of China reached approximately 4.7 trillion yuan, with over 160,000 credit accounts [2] - The domestic RMB loans increased by 1.67 trillion yuan, a growth of 9.15% compared to the beginning of the year [2] - Loans for strategic emerging industries reached 3.12 trillion yuan, growing by 26.29% from the end of the previous year [2] Group 2: Transformation of Traditional Industries - The Bank of China is focusing on financial services to support the modernization of traditional industries, facilitating their transformation towards intelligence, greenness, and integration [3] - In Hebei, the Bank provided 110 million yuan in credit to a food company, increasing its production capacity by nearly three times [3] - In Jiangsu, a loan of 350 million yuan was issued to a gear manufacturing company to support its production project [3] - In Tianjin, the Bank supported the Tianjin Port Group with 15 billion yuan in traditional bank credit and financial leasing [3] Group 3: Green and Digital Transformation - As of October 2025, the balance of clean energy loans reached 1.353 trillion yuan, an increase of 38.97% from the end of the previous year [4] - The balance of loans in the industrial internet sector grew by 46.49% since the beginning of the year [4] - The balance of domestic manufacturing loans reached 3.34 trillion yuan, growing by 12.10% from the end of the previous year [4] Group 4: Support for Emerging Industries - The strategic emerging industries' value added has increased from 7.6% to over 13% of GDP over the past decade [5] - The Bank of China is focusing on 66 national strategic emerging industry clusters, directing financial resources towards early, small, long-term, and hard technology investments [5] - The Bank has provided comprehensive services for the domestic large cruise ship project and supported the overseas sales of domestic aircraft [5][6] Group 5: Future Industry Development - The Bank of China is proactively laying out services for future industries, focusing on key areas such as quantum computing, humanoid robots, and hydrogen energy [7] - The Bank has established a financial support plan for the artificial intelligence industry chain, with over 2,300 partner firms and a credit balance exceeding 400 billion yuan [6] Group 6: Financial Ecosystem and Structural Reform - The Bank is implementing a financial supply-side structural reform to enhance the adaptability of traditional banking products to new innovation demands [8] - As of September 2025, the cumulative supply of comprehensive financial services for technology reached over 830 billion yuan [9] - The balance of green loans exceeded 4.66 trillion yuan, growing by 20.11% year-on-year [9] Group 7: Commitment to Future Development - The Bank of China aims to continue deepening financial supply-side structural reforms to inject more financial resources into the real economy [10]

Core Viewpoint - Agricultural Bank of China (ABC) Beijing Branch prioritizes technology finance as a strategic business, focusing on the construction of the Beijing International Science and Technology Innovation Center, and actively innovating financial products and service models to support the development of new productive forces and cultivate new growth momentum [1][3]. Group 1: Product Innovation and Development - ABC Beijing Branch has iteratively upgraded the "Beijing R&D Loan" product to address the financing difficulties faced by technology enterprises, using technology projects and achievements as the basis for evaluating "future repayment ability" [1][2]. - The upgraded "Beijing R&D Loan" is designed to meet the flexible funding needs of technology enterprises in various scenarios, including technology innovation, project research and development, and technology achievement transformation [2]. - The bank has optimized the admission criteria by focusing on credit ratings, R&D investment, industry sectors, and research capabilities, moving away from traditional credit thinking that emphasizes financial statements and collateral [2]. Group 2: Financial Product Features - The credit limit can be flexibly calculated based on R&D investment, equity investment, operating income, and project needs [2]. - The maximum term for working capital loans can reach 5 years, while fixed asset loans for capitalized R&D projects can extend up to 10 years [2]. - The bank has expanded the types of collateral to include intellectual property, patent licensing income, and core professional equipment, enhancing credit options and supporting government risk compensation funds and guarantee insurance [2]. Group 3: Growth Metrics and Future Focus - As of September 2025, the loan growth rate for technology enterprises in Beijing reached 33%, with a compound annual growth rate of over 20% for strategic emerging industry loans in the past two years [3]. - ABC Beijing Branch will continue to focus on emerging pillar industries and future industry development layouts, innovating products and optimizing services to support modern industrial systems, agricultural technology enterprises, and key areas such as private and small technology enterprises [3].

Group 1 - The core idea emphasizes the importance of "patient capital" in supporting long-term technological innovation and economic development in China [1][4][5] - Patient capital is defined as a form of investment focused on long-term returns rather than short-term gains, providing stability and support for research teams [2][4] - Recent achievements in hard technology fields in Beijing, such as brain-machine interfaces and gene sequencing, highlight the role of patient capital in fostering innovation [1][3] Group 2 - The Central Economic Work Conference in 2024 called for the expansion of patient capital and greater involvement of social capital in venture investments [2][4] - The Zhongguancun Development Group manages 57 funds totaling 54.5 billion yuan, investing in numerous high-tech and innovative enterprises [3] - There is a recognized gap in China's technological innovation capabilities compared to developed countries, creating urgency for the development of patient capital [4][5] Group 3 - The government is encouraged to leverage state investment platforms to establish venture capital funds and support innovative enterprises [4] - A collaborative effort among government, market, and social investment entities is necessary to reshape the economic system's perspective on time and value [4][5] - The cultivation of a robust ecosystem for patient capital is seen as essential for achieving high-quality economic development and maintaining competitive advantages globally [1][4]