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 ...

在2025年"数据要素×"大赛安徽分赛决赛中，安徽清新互联信息科技有限公司（以下简称"清新互联"） 自主研发的"分布式光伏数据运营平台"，凭借创新价值与应用成效，从100余个参赛项目中脱颖而出， 获得工业制造赛道优秀奖。 清新互联专注于为能源领域提供基于智慧视觉与物联网技术的软硬一体化解决方案。2014年7月成立以 来，公司年销售收入已从最初的近500万元增长至2024年的超1亿元。"我们能有今天的发展，离不开徽 商银行的一路相伴。"清新互联总经理尼秀明说。 "由于轻资产、缺乏抵押物，科创企业在创办之初都会面临融资难的问题，我们也不例外。"尼秀明回 忆。当时，徽商银行主动找上门，利用政策性贷款品种青创贷及创新贷，为公司提供了150万元的资金 支持，解了燃眉之急。 "随着公司快速发展，资金需求也逐步提升，徽商银行则依托'贷投批量联动'服务机制，持续为我们提 供支持，对我们的授信额度已从2015年的150万元提升至2023年的1000万元。"尼秀明说。 徽商银行对清新互联的金融助力，有效突破了企业因研发投入与市场推广形成的资金瓶颈，使其在技术 转化、市场拓展等方面获得支持。 深化园区金融服务。2025年以来，围绕 ...

今年8月，中国工商银行深圳市分行也官宣普惠贷款余额破2000亿元。 今年9月底，中国银行深圳市分行宣布普惠金融贷款突破2000亿元，累计服务普惠客户数超10万户。 金融业"五篇大文章"之一的普惠金融，继续在深圳加速落地。近期，国有银行深圳分行普惠贷款规模纷纷破2000亿。 早在2020年，中国建设银行深圳市分行普惠金融贷款余额率先突破2000亿元，目前该行普惠金融贷款余额已突破3500亿元。 值得注意的是，上述银行也是其系统内首家达成此成就的城市分行，深圳建行更是全国首家小微企业贷款超3500亿的银行分 行。 此外，在国有大行深圳市分行中，今年3月，中国农业银行深圳市分行普惠贷款余额突破千亿元，，普惠小微有贷客户数超过4 万户，增长迅速。 除头部银行表现突出外，从深圳金融业整体来看，深圳普惠小微贷款余额接近2万亿元，连续数年位居全国大中城市首位。 为何还是深圳分行 一方面，深圳普惠金融市场需求广阔。 目前，深圳是中小微企业最活跃、创业密度最大的城市。截至2024年，深圳有国家级专精特新"小巨人"企业1025家；截至2025 年5月，深圳专精特新中小企业1.1万家，创新型中小企业为2.1万家。 因缺抵押、缺担保 ...

Core Insights - The rapid growth of inclusive finance in Shenzhen is highlighted, with state-owned banks achieving significant milestones in loan disbursement, surpassing 200 billion yuan in inclusive loans [1][2][3] Group 1: Loan Growth and Achievements - By the end of September, the Bank of China Shenzhen branch announced that its inclusive finance loans exceeded 200 billion yuan, serving over 100,000 clients [2] - In August, the Industrial and Commercial Bank of China Shenzhen branch also reported its inclusive loan balance surpassed 200 billion yuan [3] - The China Construction Bank Shenzhen branch was the first to exceed 200 billion yuan in inclusive loans in 2020, and its current balance has reached 350 billion yuan [3][7] Group 2: Market Demand and Challenges - Shenzhen has a vast market demand for inclusive finance, being home to a high density of small and micro enterprises, with over 10,000 specialized small and medium enterprises expected by 2025 [5] - Small and micro enterprises face challenges such as lack of collateral and information, leading to difficulties in obtaining financing [5][11] - The local government has established mechanisms to facilitate financing for small enterprises, including regular work coordination and outreach activities [5] Group 3: Regulatory Environment and Strategic Focus - The regulatory environment has increasingly emphasized inclusive finance, with banks required to prioritize this area in their strategic planning [6] - The weight of inclusive finance in performance assessments for banks has increased, encouraging greater lending to small and micro enterprises [6] Group 4: Technological Integration - Financial technology is being leveraged to enhance the efficiency of inclusive finance operations, reducing service costs and improving productivity [9][10] - Tools such as AI and big data are being utilized for risk assessment and client profiling, streamlining the loan approval process [9][10] Group 5: Scene-based Financing - The concept of "scene-based financing" is being adopted, with initiatives like "Park Loans" aimed at providing tailored financial services to small enterprises located in industrial parks [14][15] - The number of industrial parks in Shenzhen is the highest in the country, facilitating better access to financing for small businesses [14] Group 6: Competitive Landscape - Large banks are increasingly dominating the inclusive finance sector, with their market share reaching 45.11% by mid-2025, while rural financial institutions hold 25.86% [18] - Smaller banks are facing challenges in competing with larger institutions but are adopting digital strategies to enhance their offerings [18][19]

Core Insights - The article discusses the role of industrial parks in promoting high-quality economic development and how financial services are evolving to support these parks, particularly in Guangdong Province [2][3]. Group 1: Industrial Parks and Economic Contribution - Industrial parks are crucial for China's industrialization and urbanization, contributing significantly to economic and social development [3]. - As of last year, 59 industrial parks have GDPs exceeding 100 billion yuan, with Jiangsu, Guangdong, and Shandong leading in development [3]. - The Ministry of Industry and Information Technology and the National Development and Reform Commission have issued guidelines to promote the high-quality development of industrial parks [3]. Group 2: Financial Solutions for Industrial Parks - Banks are increasingly treating industrial parks as primary business units, offering integrated financial solutions that include credit, investment banking, leasing, and digital platforms [2][3]. - The shift from traditional credit models to a more integrated approach is aimed at addressing the financing challenges faced by small and medium-sized enterprises (SMEs) in these parks [4][5]. - New financing models focus on "scene-based empowerment" and "ecological collaboration," utilizing operational data as credit references and park risk control as security [4][5]. Group 3: Case Study and Implementation - A case study of Guangdong Xinbangle Technology Co., Ltd. illustrates how banks are adapting to the needs of light-asset technology companies by providing loans based on future production capacity assessments [5][6]. - The "Park Loan 2.0" initiative in Shenzhen aims to enhance financial support for SMEs by fostering collaboration among government, parks, banks, and guarantors [7][8]. - The model's success relies on the ability of parks to provide real-time operational data, reducing information asymmetry and enhancing risk management [8]. Group 4: Cross-Provincial Cooperation and Future Prospects - Cross-provincial cooperation in industrial parks is emerging, with Guangdong and Guangxi collaborating on 125 parks, generating a combined output value of 60 billion yuan [9]. - The integration of Guangdong's financial resources with Guangxi's labor and land advantages is expected to accelerate the development of industrial chains [9][10]. - The financial support for industrial parks is seen as a way to optimize resource allocation and promote high-quality economic growth in China [10].

Core Viewpoint - The launch of "Park Loan 2.0" aims to enhance financial support for small and micro enterprises in Shenzhen, addressing long-standing financing challenges through a collaborative model involving government, banks, and industry parks [4][6][12]. Group 1: Overview of "Park Loan 2.0" - "Park Loan 2.0" was introduced to provide a comprehensive financial service ecosystem for small and micro enterprises, particularly in industrial parks, by integrating resources from government, banks, and other stakeholders [8][13]. - The initiative has already seen over 115 billion yuan in credit issued to pilot enterprises, demonstrating the viability of the "park finance" model [7][10]. Group 2: Mechanisms and Innovations - The program employs a "government-park-bank-guarantee" collaborative framework to facilitate information sharing and resource integration, which helps mitigate risks and improve access to financing for small businesses [12][13]. - The upgraded version includes a dedicated "Park Loan" officer mechanism and a regular monitoring system to ensure effective implementation and support for enterprises [9][11]. Group 3: Financial Products and Services - Financial institutions, such as the Industrial and Commercial Bank of China, are offering standardized loan products like "Park e-loan," providing up to 10 million yuan in unsecured loans to eligible small enterprises [10][11]. - The program emphasizes data empowerment and technology integration, allowing banks to create precise profiles of enterprises based on shared data, thus enhancing credit assessment processes [8][11]. Group 4: Economic Impact and Future Outlook - Small and micro enterprises contribute approximately 50% of Shenzhen's GDP, making their financial health crucial for the city's economic development [6][14]. - The initiative is expected to expand its reach, further promoting inclusive financial services and supporting the high-quality development of Shenzhen's economy [15].

Core Viewpoint - The article emphasizes the importance of small and micro enterprises in the transformation of economic dynamics, highlighting Shenzhen's initiative to enhance financial support through the "Park Loan 2.0" program, which aims to address the challenges of financing for these businesses [1][4]. Group 1: Overview of "Park Loan 2.0" - "Park Loan 2.0" is a significant upgrade from its predecessor, "Park Loan 1.0," focusing on creating a comprehensive financial service ecosystem for small and micro enterprises [4][5]. - The program features high credit limits, low interest rates, and no collateral requirements, with banks using operational data from enterprises in industrial parks to assess creditworthiness [4][5]. - The first phase of "Park Loan 1.0" saw banks grant over 11.5 billion yuan in credit to participating enterprises [4]. Group 2: Key Features and Innovations - "Park Loan 2.0" enhances data utilization by incorporating dynamic data such as operational duration and utility payments to create a scoring model for better risk assessment [5]. - The program introduces a risk-sharing mechanism where government-backed guarantee institutions set special quotas and improve compensation ratios for defaults [5]. - A dedicated "Park Loan" specialist mechanism and regular monitoring processes are established to ensure effective implementation and support [5]. Group 3: Addressing Financing Challenges - The "Park Loan" model aims to tackle the "impossible triangle" of reducing financing costs, expanding service coverage, and ensuring sustainability in financial services for small and micro enterprises [7]. - Shenzhen's industrial parks, numbering 4,423, serve as critical hubs for expanding financial services and customer acquisition for banks [7]. - The initiative seeks to convert intangible credit into tangible financial support for startups lacking collateral and information [7]. Group 4: Broader Implications - The "Park Loan" program redefines the relationship between industry and finance, positioning park operators as incubators and banks as growth partners [8]. - The successful experience of "Park Loan" is set to be replicated in other sectors such as foreign trade and supply chains, leveraging the natural risk control mechanisms present in industrial parks [8].

Core Viewpoint - The "Park Loan 2.0" initiative in Shenzhen aims to enhance financial support for over 2.7 million small and micro enterprises, addressing the challenges of cost reduction, coverage expansion, and sustainability in financing [1][4]. Group 1: Overview of "Park Loan 2.0" - "Park Loan 2.0" is a significant upgrade from its predecessor, "Park Loan 1.0," focusing on building a complete financial service ecosystem [2]. - The program involves collaboration among government, industrial parks, banks, and guarantee institutions to provide unsecured credit support to small and micro enterprises [1][4]. Group 2: Features and Mechanisms - Key features of "Park Loan 2.0" include high credit limits, low interest rates, and no collateral requirements, with banks receiving operational data from industrial parks to assess enterprises accurately [1][3]. - The initiative enhances data utilization, risk sharing, and service efficiency, with government guarantee institutions setting special quotas and improving compensation ratios [3]. Group 3: Addressing Financing Challenges - The "Park Loan" model addresses the "impossible triangle" of reducing financing costs, expanding service coverage, and ensuring sustainable development in inclusive finance [4]. - Shenzhen's industrial parks, numbering 4,423, serve as critical hubs for expanding financial services to small and micro enterprises [4]. Group 4: Future Directions - Shenzhen plans to replicate the "Park Loan" model in other sectors such as foreign trade and supply chains, leveraging the natural risk control mechanisms present in industrial parks [4][5]. - The initiative redefines the relationship between industry and finance, transforming park operators into incubators and banks into growth partners [5].

Group 1 - The core focus of Agricultural Bank of China's Bengbu branch is on technology finance, aiming to support the full-cycle development of technology enterprises through product innovation and professional services [1][2] - The bank has established a "Technology Loan Pioneer Team" consisting of 38 members to enhance service quality and efficiency, targeting six key industries in Bengbu [1] - As of August 2025, the loan balance for technology enterprises reached 3.639 billion yuan, with a net increase of 853 million yuan and a growth rate of 31% [3] Group 2 - The bank is actively building a technology service ecosystem by integrating the capabilities of commercial banks, private investment institutions, and private equity funds to enhance "investment-loan linkage" for technology enterprises [2] - Innovative financial products have been introduced to address the challenges of financing difficulties and high costs for technology enterprises, focusing on their unique characteristics [3] - The bank has implemented a collaborative service model combining project loans, equity investments, and financing leasing for the same client, marking a significant innovation in service delivery [2]

Core Insights - The article discusses the innovative "Park Loan" model launched in Shenzhen to address the financing challenges faced by light-asset, high-risk tech startups, leveraging a collaborative mechanism involving government, parks, banks, and guarantee institutions [9][12][15]. Group 1: Financial Innovation - Shenzhen Construction Bank has established partnerships with nearly 100 industrial parks, providing services to over 10,000 enterprises and granting credit exceeding 22 billion yuan by August 2025 [9]. - The "Park Loan" product has transitioned from traditional collateral-based lending to a data-driven credit assessment model, enabling a shift from "one-way blood transfusion" to "ecological symbiosis" [9][10]. - The "Technology e-loan" platform allows for rapid loan approval, reducing processing time from 30 days to as little as 8 minutes, with a maximum loan amount of 10 million yuan [10][11]. Group 2: Data-Driven Credit Assessment - The bank utilizes big data and AI algorithms to create financial profiles for tech companies, incorporating various data points such as business registration, tax information, and market sales [11]. - A collaboration with the Shenzhen Taxation Bureau aims to enhance credit assessment accuracy through a privacy-compliant tax data application [11]. Group 3: Ecosystem Collaboration - The partnership with the Special Zone Development Technology Park Company has led to customized loan solutions that convert soft assets like R&D investments and intellectual property into credit assets [12][13]. - The bank's services have reached over 230 enterprises within the park, with a credit coverage rate of 20% for tech companies [13]. Group 4: Risk Sharing Mechanism - The bank has implemented a risk-sharing model with the Longhua District government, providing a credit line of 1 billion yuan specifically for quality enterprises within the district [15]. - The "Park Loan" not only serves as a financing tool but also integrates low-cost funding, industry resources, and policy benefits for startups [16]. Group 5: Comprehensive Financial Services - Shenzhen Construction Bank is expanding its financial offerings to include a full lifecycle service system that combines debt and equity financing, as well as risk management [18]. - The bank is also exploring new service models, such as integrating supply chain finance to support collaborative financing among enterprises within the park [20].