2025年开年，杭州"六小龙"的崛起，让杭州的科技创新生态收获了社会各界的广泛关注。其中，金融是支持科技创新不可或缺的重要力量，证券、银行、基 金、信托等大资管与各行业相互协同，共同搭建了"股债贷保担租"多元化的融资支持系统。 证券时报社主办、以"打造资本强引擎，赋能新质生产力"为主题的第八届（2025）西湖大会5月21日在杭州举行。大会期间，浙商银行党委书记、董事长陆建强在接 受证券时报记者专访时表示，金融当前面临着"高质量发展""定位站位""数字化"三大变局，各类金融主体必须要有更高的站位和情怀，综合协同，打破牌照单项服 务的壁垒，为科技企业构建资金链、人才链、创新链、产业链"四链融合"。其中，商业银行要扮演好三重角色：科技企业的"长期伴跑人"、创投资本的"价值放大 器"和创新生态的"超级连接者"。 浙商银行党委书记、董事长 陆建强 证券时报记者： 近年来，科技创新正在逐渐成为中国经济的"新引擎"，科技创新离不开金融的有力支持。在行业变局下，您认为金融业应如何转变传统服务模式？ 陆建强： 当前金融面临"三大变局"。一是转型升级变局，整个国家经济发展从原来的拓展增量走到盘活存量、整合资源、提升发展的阶段；二 ...

Core Viewpoint - The rise of "Six Little Dragons" in Hangzhou highlights the importance of financial support in fostering technological innovation, with a diversified financing support system being established through collaboration among various financial entities [1] Group 1: Financial Transformation - Financial institutions are facing three major changes: transformation and upgrading, repositioning to serve the real economy, and digitalization [1][2] - The financial sector must shift from serving individual enterprises to serving entire ecosystems, from "pawnshop" finance to scenario-based finance, and from specialized services to comprehensive collaborative services [2] Group 2: Innovative Practices - Zhejiang Commercial Bank has implemented a "Financial Advisor System" to provide long-term, cross-license services to technology enterprises [2][3] - The bank has initiated the "Good Credit Project," focusing on long-term assessments of technology firms based on social reputation and dynamic risk control [3] Group 3: Policy Implementation - The bank is committed to developing a differentiated evaluation system for technology enterprises, aligning with government policies to enhance venture capital and patient capital [2][4] - A comprehensive product system has been established, including 30 products tailored to the different growth stages of technology enterprises [4] Group 4: Ecosystem Development - The bank is actively building a technology financial ecosystem by collaborating with various professional institutions to address the diverse needs of enterprises [4] - Recent initiatives include hosting conferences to connect government departments and investment institutions with technology enterprises for equity financing [4]

21世纪经济报道记者李览青 浙江报道 "昨天在广交会现场，我接待了来自30多个国家的客户。"在接受媒体调研的前一晚，浙江孚宝智能科技有限公司（下称"孚宝智 能"）董事长贾国强刚刚从广州飞回杭州。 作为聚焦医疗、康养领域的人形机器人企业，孚宝智能在广交会上签下大量意向订单，贾国强对今年业务的爆发充满信心。 今年，广交会首次增设了服务机器人专区，在孚宝智能展位旁边的就是"杭州六小龙"之一的宇树科技。开年至今，以"杭州六小 龙"为代表的科技型企业崛起持续引发关注，而杭州市与浙江省的城市生态与营商环境也受到多方探讨。 在浙商总会金融服务委员会（下称"金服会"）主席，浙商银行党委书记、董事长陆建强看来，人才是主体、数字经济是土壤、 良好的营商环境是空气、金融要素是活水，它们共同构建了一座城市的大生态。 在这样的背景下，银行不仅要做科技型企业的"灌溉泵"，还要做创新生态的"孵化器"，前者需要银行及时提供金融服务，后者 进一步要求银行串联起多方机构，汇聚各方资源要素，共同构建、运营科技创新的生态。 陪伴式成长 今年不是孚宝智能第一次面临业务量的突然爆发。 孚宝智能成立于2017年，其核心产品是智能康养陪伴机器人，结合自然语 ...

导语：在"五篇大文章"的战略指引下，中国科技金融生态正经历新一轮重构。浙商银行十年耐心实践与"善科陪伴计划"，恰是这场国家行 动的微观映射。 金融范式创新 游标卡尺能丈量厂房面积，却无法为知识资产与"人才价值"定价。 当传统银行汲汲于"所见即所得"的思维惯性，如何"接得住"服务中国科技创新的时代命题？ 一场发生于十年前的商业银行突围实践，给出了破局解法。 浙商银行（601916.SH）2016年创新性推出的全国首个"人才银行"，以"人"而非"物"作为信用锚点，将4000余名高层次人才的创新潜力转化为 超300亿元的融资支持。 于是，浙商银行提出"以人定贷"的概念，并创立"人才银行"这一金融服务 品牌。 遵循这一设计理念的信用贷款产品，是以人才价值、政府对人才的认可度、人才企业的发展潜力作为主要评估依据，弱化营收、利润和负债率 等传统财务因素，给予人才企业最高3000万元的信用支持。 而今，这一金融品牌又进行了"新版本"迭代。 4月16日，"善科致远·创见未来——金融支持科技企业发展大会"在杭州举行。 在会上，浙商银行发布面向科技企业的全新综合金融服务品牌——"善科陪伴计划"。 浙商银行党委书记、董事长陆建强表 ...

Group 1 - The core viewpoint of the news is that Zhejiang Zheshang Bank has launched a comprehensive financial service plan called "Shan Ke Pei Ban Plan" to support the development of technology enterprises throughout their lifecycle [2][3] - The "Shan Ke Pei Ban Plan" focuses on four dimensions: personnel support, scenario support, product support, and ecological support, creating a comprehensive support network for technology enterprises [2] - The bank will provide dedicated financial advisory teams for each technology enterprise, focusing on key scenarios such as R&D transformation, venture capital introduction, equity incentives, and IPO preparation [2][3] Group 2 - The bank's "Shan Ben Credit Project" aims to address the gap between technological value and financial credit value for startups, allowing intangible assets like talent, technology, and patents to be converted into financial capital [3] - As technology enterprises mature, their financial service needs shift towards supply chain finance, cross-border finance, merger loans, and capital market services to help them leverage their technological advantages [3] - The "Shan Shu Technology Financial Platform" was jointly launched by the Zhejiang Chamber of Commerce Financial Services Committee and the Jinyu Alliance, aiming to integrate financial resources with industry scenarios and enhance the financing accessibility for technology enterprises [4]