● 本报记者 张佳琳 从传统产业转型升级，到新兴产业发展壮大，再到未来产业加速培育，民营企业都扮演着重要角色。民 营企业的茁壮成长离不开金融"活水"的精准滴灌。中国证券报记者在近日调研过程中了解到，在监管政 策引导下，银行持续创新金融产品、优化金融服务、加大信贷投放力度，为民营企业排忧解难，激发企 业发展活力。 多位专家认为，银行应长期陪伴民营企业的成长，不仅在企业发展处于顺境时提供支持，更要在企业面 临困难时及时给予帮助。下一步，银行业可借助金融科技力量，拓宽民营企业融资渠道，提升信贷服务 质效，构建更加适配民营经济的信贷供给体系。 金融"活水"精准滴灌 "我们常说有电的地方就有氧化镓，优异的物理性能和低成本优势让这种半导体材料应用前景广阔。例 如，使用氧化镓器件的新能源汽车单次充电续航里程要比使用传统硅器件的最高增加20%。"北京铭镓 半导体有限公司董事长陈政委颇为自豪地向记者介绍。 从实验室到生产线，从专利纸到流水线……铭镓半导体的发展离不开金融"活水"的精准滴灌。陈政委向 记者表示，公司聚焦于氧化镓的研究生产，由于量产早期上下游账期不一致，需要银行信贷资金的支 持，来确保产品量产运转所需要的大量资金。 ...

Core Viewpoint - Several banks are integrating party building with business operations, focusing on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, to support high-quality economic development [1] Group 1: Service to the Real Economy - Banks are emphasizing financial services to the real economy as their fundamental purpose, leveraging monetary policy tools to ensure the implementation of major decisions from the central government [1][2] - Industrial and Commercial Bank of China (ICBC) is enhancing support for small and micro enterprises through digital transformation and innovative financing products, improving accessibility and convenience for customers [1] - Agricultural Bank of China is focusing on green development and ecological protection, increasing financial support for energy transition and environmental sustainability [2] - China Construction Bank is providing a comprehensive technology finance service system to support innovation and technology enterprises with tailored financial products [2] - Bank of China is enhancing services for foreign trade and investment, contributing to the internationalization of the Renminbi [2] Group 2: Risk Management - Banks are prioritizing risk management amidst market volatility, emphasizing the importance of internal controls and operational risk prevention [3] - ICBC is adopting a proactive approach to risk management, ensuring overall risk control through compliance and internal oversight [3] - Regional banks like Baode Rural Commercial Bank are focusing on precise risk prevention and enhancing compliance management to address potential issues early [3] Group 3: Compliance and Ethical Standards - Banks are conducting educational initiatives to reinforce compliance with central regulations, emphasizing integrity and ethical conduct among employees [4][5] - China Bank's leadership is advocating for a culture of accountability and discipline, aiming to resist corruption and maintain high ethical standards [4] - Shanghai Pudong Development Bank is integrating compliance education into daily operations to ensure effective implementation and high-quality development [5]

在创新驱动发展的时代浪潮中，科创企业如同破土而出的幼苗，既需要金融"活水"的精准滴灌，更需要 全生命周期的悉心呵护。建设银行江苏省分行以"商投行一体化"战略为笔，以金融创新为墨，在科创企 业的成长画卷上勾勒出一条从初创到腾飞的完整轨迹。 建设银行江苏省分行通过系统化推进"商投行一体化"服务，打造股权机构合作库、科创企业项目库、综 合服务产品库及一体化服务平台，以"三库一平台"体系为科创企业提供全生命周期、全资产负债表的综 合化服务，以金融之力托举科创企业跨越"死亡之谷"，在高质量发展的征程中破浪前行。 精准滴灌培育创新火苗 内外联动构建科创企业成长沃土 建设银行江苏省分行通过打造股权机构合作库，持续深化内外联动，加强商业银行与创投机构、产业龙 头、科研院所等九类机构合作，为企业搭建撮合、交流、共享的合作平台，形成江苏区域股权合作生态 圈，汇聚各类投资偏好的机构资源，满足科创企业全生命周期融资需求。特别是初创期企业处于发展起 步阶段，对于股权融资、直接融资的需求更为迫切，通过构建股权机构合作库，建设银行江苏省分行进 一步丰富、扩充服务场景，引导股权资源投早、投小、投硬科技，加大耐心资本、长期资本的服务供 给。 ...

来源：环球网 人民日报记者 杨彦帆 来到武汉"光谷"，最能感受科技创新的强劲动力。 在湖北武汉驿路通科技股份有限公司的无尘车间，技术人员正在对硅光芯片进行测试。这条驿路通去年 8月投产的硅光引擎产线，可实现月加工硅光引擎10万支以上。 "从贷款审批到投放，仅用了7个工作日。"武汉鼎业安环科技集团有限公司总经办主任程则袁告诉记 者。他所说的贷款是建行推出的"善新贷"。据了解，建行武汉光谷自贸区分行为他们公司提供了1000万 额度"善新贷"，有助于进一步加大技术研发投入。 驿路通生产车间内，工作人员在进行装配工作。王剑 摄 光模块和硅光引擎是光通信的基石，通过光电转换与信号处理，支撑了数据中心到通信基站的各类高速 网络建设。驿路通是一家全球芯片集成科技的关键元件供应商，也是一家国家级专精特新"小巨人"企 业。 "随着AI和算力的发展，我们的产能不断扩大，需要投入更多高精度设备，资金压力大。"武汉驿路通科 技股份有限公司总经理张祥波说，"这条硅光引擎产线的投产，得益于建行武汉光谷自贸区分行为我们 提供的设备更新改造贷款，有了这笔资金，公司加速推进产线智能化升级。" 工作人员在驿路通研发中心对自研器件进行性能测试。王 ...

Group 1 - China Construction Bank provided over 450 million yuan in loans to Zhangzhou Qibin Photovoltaic New Energy Technology Co., Ltd. to support project construction [2] - The 20th National Congress of the Communist Party proposed building a financial system that aligns with technological innovation [3] - The Ministry of Science and Technology and other departments issued policies to enhance financial support for major technological tasks and small and medium-sized technology enterprises [3] Group 2 - Financial capital is crucial for supporting high-level technological self-reliance and innovation [4] - The growth rate of loans to technology-based small and medium-sized enterprises significantly outpaced overall loan growth, with expected year-on-year increases of 21.2% and 13.0% for technology-based SMEs and "specialized, refined, distinctive, and innovative" enterprises, respectively [5] - The cumulative issuance of science and technology bonds reached 1.2 trillion yuan, with a 64% year-on-year increase in 2024 [5] Group 3 - The "Several Measures" aim to improve the top-level design of the technology finance system by enhancing policy frameworks, optimizing market mechanisms, and promoting financial technology innovation [7][8] - The measures cover all aspects of financial support for technology innovation, integrating venture capital, bank credit, capital markets, and insurance [8] - The establishment of a "technology board" in the bond market is a novel approach to support technology enterprises [9] Group 4 - The financial system in China has advantages such as a mature financial market, strong industrial chain foundation, and robust research and development capabilities [16][17] - The multi-tiered financial support system includes various financial markets and institutions that can meet the financing needs of technology innovation [17] - The introduction of long-term capital from social security funds and insurance capital will enhance the supply of patient capital for technology finance [18]

Core Insights - The establishment of the national small and micro enterprise fund flow credit information sharing platform has significantly aided financing for small and micro enterprises in Hubei province [1][2][3] - The platform allows banks to access companies' fund flow credit information, enabling them to match suitable loan products for businesses that have never received loans before [1][2] - Innovative financing solutions, such as patent pledge loans, have been developed to assist asset-light enterprises in overcoming financing challenges [2][3] Group 1 - As of the end of May, 19 pilot banks in Hubei have conducted 20,200 queries on the fund flow credit information platform, granting credit of 12.213 billion yuan and disbursing loans of 4.325 billion yuan to 997 enterprises [1] - A small e-commerce enterprise, previously classified as a "credit white household," successfully obtained a loan of 1.8 million yuan through the platform after its fund flow credit information was assessed [1] - A textile company utilized intellectual property pledges to secure financing of 5.173 million yuan, facilitated by real-time data from the fund flow information platform [2] Group 2 - An agricultural technology company received a credit loan of 1.5 million yuan after being evaluated through the fund flow information platform, which allowed for a more favorable assessment than traditional methods [3] - The fund flow information platform officially launched in October 2024, establishing credit profiles for small and micro enterprises, with 56 million enterprises and individual businesses covered by the end of 2024 [3]

Core Viewpoint - Construction Bank is actively enhancing its financing services for small and micro enterprises, transitioning from a passive response to proactive empowerment, with a focus on accessibility and suitable interest rates [1]. Group 1: Financing Initiatives - As of April 2023, Construction Bank has provided funding to over 1.4 million enterprises, with a total credit issuance of 1.8 trillion yuan [1]. - The bank has established a "236" work mechanism to improve customer service capabilities and address the actual difficulties faced by enterprises [1]. Group 2: Tailored Financial Solutions - Construction Bank customizes financial solutions for small and micro enterprises, such as the "Shanxin Loan" for a smart technology company, which successfully secured a loan of 670,000 yuan after resolving legal issues [2]. - The bank offers comprehensive financial services tailored to the specific needs of enterprises in key sectors like foreign trade, technology, and agriculture [2]. Group 3: Addressing Sector-Specific Challenges - A biological pharmaceutical company faced challenges due to rising international logistics costs and exchange rate fluctuations; Construction Bank provided a comprehensive service plan, including a loan of 2 million yuan and risk management solutions [3]. - A high-tech pig farming enterprise utilized the "Jianhang Huizhongni" app to apply for a technology enterprise credit loan, benefiting from rapid approval and disbursement [3]. Group 4: Agricultural Financing - The bank has developed a financing risk control model for the Lingbao apple industry, offering a pure credit, no-collateral, fully online loan product called "Yunong Zhenxing Loan (Apple Industry)" to meet the growing financial service demands of farmers [4]. - Construction Bank is committed to implementing national policies to enhance financial service precision and accessibility for small and micro enterprises, contributing to high-quality development of the real economy [4].

枣阳某纺织有限公司是国家级高新技术企业、省级制造业单项冠军企业，主营天然植物纤维编织制造及 纺织品加工，持有30项有效专利及2项软件著作权。目前一方面订单增长需要扩张产能，但另一方面前 期账款回款周期较长，公司面临短期流动资金缺口。中国人民银行襄阳市分行了解到相关情况后，指导 建设银行襄阳分行通过资金流信息平台，实时获取了这家公司近3年资金往来、交易趋势及区间明细等 资金流数据，并结合税务、社保等多源信息交叉验证，精准研判企业经营轨迹与发展潜力。基于数据评 估，建设银行襄阳分行组建专项服务团队，创新设计"善科贷+专利权质押"组合融资方案，同时将资料 提交枣阳市知识产权局进行线上审批。通过银政企三方协同，高效完成517.3万元贷款发放，及时解决 了公司资金缺口问题。 "我们企业一直经营正常，但由于缺少抵押、担保，很难获得银行贷款，经营规模一直难以扩大。"武汉 某电子商务有限公司负责人刘先生介绍，公司是一家从事电子商务的小微企业，此前从未获得过银行贷 款，属于典型的"信用白户"。工商银行湖北省分行客户经理陆某说："以前该公司这种情况在工行很难 申请到贷款。资金流信息平台上线以后，通过查阅该公司资金流信用信息，按照 ...

一直以来,建设银行德州分行坚守金融为民初心,以服务实体经济为根本,通过构建普惠金融服务体系、深 化政银企协同创新、打造科技金融专属模式,持续为区域经济高质量发展注入金融动能。截至4月末,该行 普惠贷款余额超过54亿元,累计服务客户超7200户；科技型小微企业贷款余额超14亿元,本年度入库科技 企业备案金额4亿元,占全市总备案量的70%,交出了一份亮眼的答卷。 开拓科技金融新赛道点燃创新"强引擎" 建行德州分行秉持合作共赢之路,将深化政银企合作作为拓展普惠金融服务的重要抓手。通过与市工商 联及各类商会、协会建立常态化沟通机制,推进党建联建共建,发挥金融指导员专业优势,构建起"工商联 +银行+商会协会"的特色生态圈。 面对新质生产力发展的时代要求,建行德州分行全力做好科技金融这篇大文章。依托创融、智融、兴融 三位一体的"科创桥"专属品牌,聚焦科技企业全生命周期服务需求,构建起完善的金融服科技务体系。 在此基础上,该行联合德州市工商联举办银政企"亲清"座谈会,为企业搭建起一个高效的互动交流平台。 银政企三方齐聚一堂,围绕民营企业发展中的机遇与挑战展开深入探讨,有效打通了信息壁垒,为企业发展 注入新动能。 在产品创新 ...

Core Insights - The article emphasizes the crucial role of private enterprises in China's economic transformation and the importance of financial support from banks to foster their growth [1][2] Group 1: Financial Support for Private Enterprises - Banks are innovating financial products and optimizing services to provide targeted support for private enterprises, enhancing their development potential [1][2] - The case of Beijing Mingjia Semiconductor illustrates how timely bank credit support is essential for companies during their production ramp-up phases [1][2] Group 2: Innovation in Financial Products and Services - The introduction of the "Minying Economy Promotion Law" is seen as a significant policy breakthrough, improving the legal framework for private enterprises and facilitating access to low-cost funding [2] - Various banks are launching innovative financial products, such as ICBC's "Zhu Shang Combination Loan" and Agricultural Bank's "Nongyin Zhichain" service platform, to address financing challenges faced by small and micro enterprises [2][3] Group 3: Leveraging Financial Technology - The integration of financial technology is crucial for enhancing service capabilities, with banks encouraged to adopt digital technologies to create a more efficient financial service system for private enterprises [3][4] - The use of AI and big data can streamline risk assessment and loan approval processes, improving the efficiency of credit allocation to private enterprises [3][4]