21世纪经济报道记者 叶麦穗产业园区是实体经济高质量发展的重要载体，也是金融服务实体经济的主 要阵地之一。当前，广东省已形成106个省产业园区的网络化体系横贯珠三角与粤东西北，正加速孕育 新质生产力。 近日，21世纪经济报道记者在广东金融业支持产业园区建设相关调研走访中发现，不少银行正把"园 区"当作一级经营单元，围绕产业图谱和企业生命周期，将信贷、投行、租赁、保理、跨境、数字平台 等非金融工具打捆成"行业解决方案"，从"贷"向"配"升级，从"点"向"链"延伸。业内预计，随着产业园 区GDP规模增长，综合化、数字化、生态化的"园区金融"有望打开千亿级增量市场，成为银行转型的新 增长极。 为银行带来"流量" 罗鹏对记者表示，作为非金属功能材料生产应用科技公司，公司经营模式其实是轻资产模式，在获取贷 款方面，能用于银行抵押的资产十分有限，且资金主要用途就是购买原材料，要扩大生产规模，就要增 加高岭土采购，这对企业而言就会面临资金问题。 近年来，产业园区作为我国工业化、城镇化的重要载体，对经济社会发展作出了重要贡献。赛迪顾问园 区经济研究中心最新数据显示，截至去年末，已有59个园区GDP超过千亿元，比上年新增5个， ...

星河world产业园。 盐田综合保税区。 "民营经济第一城"再添普惠金融创新探索。"园区贷2.0"发布会暨小微企业融资协调机制推进会日前在 龙岗区星河·领创天下举行。 发布会由深圳市工业和信息化局、深圳市中小企业服务局、深圳金融监管局、深圳市地方金融管理局、 深圳市发展和改革委员会、深圳市国资委、深圳市政务服务和数据管理局、龙岗区人民政府主办；龙岗 区发展和改革局、工商银行深圳市分行承办。 如何为深圳近300万中小微企业尤其园区企业建立"立体画像"，扮演好"政园银担"四位一体的关键角 色，为深圳小微企业带来了破解融资困局的全新方案，成为看点。 "园区贷"首批试点 授信超115亿元 南都湾财社记者获悉，从去年以来，深圳多部门建立支持小微企业融资协调工作机制。通过开发"千企 万户大走访"系统、建立企业需求与银行服务"两张清单"，构建"监管—行业—机构"与"市—区—街 道"三级联动机制，加强园区、外贸、民营、科技"四个重点"领域融资支持。截至8月末，深圳新增授信 破万亿元，新发放贷款7982亿元，金额居大中城市首位。 深圳汇聚了超过270万家中小微企业，贡献了约50%的GDP，是经济发展的核心力量。在传统融资模式 ...

记者丨 陈思琦 编辑丨孙超逸 在经济动能转换的关键时期，滋养实体经济的最小细胞——中小微企业，已成为区域金融改革 的核心命题。 为进一步服务深圳超270万家中小微企业，深圳9月30日宣布启动"园区贷2.0"，27家银行和60 个产业园区作为第二批"园区贷"试点，这标志着这项首创于深圳的普惠金融模式进入全域深化 阶段。通过政府、园区、银行、担保四方协同，深圳正试图破解小微企业融资中"降成本、扩 覆盖面、可持续"的"不可能三角"。 （主办方供图） 从" 1 . 0 "到" 2 . 0 "的系统升级 2024年7月，深圳金融监管局、市中小企业服务局联合印发《关于大力推动"园区贷"的工作方 案》，引导金融机构加大对园区内中小微企业的支持力度。同年10月，宝安光电子器件产业园 等10个产业园区与宁波银行等10家银行金融机构举行合作签约，首批"园区贷"业务正式启动。 "园区贷"产品最鲜明的特点是具有高额度、低利率、无抵押等优势，其由产业园区向银行提供 企业在园经营数据，帮助银行对企业进行精准画像，通过政府性融资担保机构进行担保增信， 深化银行、园区管理方、担保公司三方合作，为园区小微企业提供无抵押信贷支持。 数据显示，" ...

21世纪经济报道记者 陈思琦 深圳报道 在经济动能转换的关键时期，滋养实体经济的最小细胞——中小微企业，已成为区域金融改革的核心命 题。 为进一步服务深圳超270万家中小微企业，深圳9月30日宣布启动"园区贷2.0"，27家银行和60个产业园 区作为第二批"园区贷"试点，这标志着这项首创于深圳的普惠金融模式进入全域深化阶段。通过政府、 园区、银行、担保四方协同，深圳正试图破解小微企业融资中"降成本、扩覆盖面、可持续"的"不可能 三角"。 2024年7月，深圳金融监管局、市中小企业服务局联合印发《关于大力推动"园区贷"的工作方案》，引 导金融机构加大对园区内中小微企业的支持力度。同年10月，宝安光电子器件产业园等10个产业园区与 宁波银行等10家银行金融机构举行合作签约，首批"园区贷"业务正式启动。 "园区贷"产品最鲜明的特点是具有高额度、低利率、无抵押等优势，其由产业园区向银行提供企业在园 经营数据，帮助银行对企业进行精准画像，通过政府性融资担保机构进行担保增信，深化银行、园区管 理方、担保公司三方合作，为园区小微企业提供无抵押信贷支持。 数据显示，"园区贷1.0"试点中，首批试点银行向试点园区企业合计授信超 ...

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].

Core Viewpoint - The successful issuance of the first "Park Loan" by China Merchants Bank Dongguan Branch marks a significant step in addressing the financing difficulties faced by small and micro enterprises in Dongguan, injecting new vitality into their development [2][3]. Group 1: Product Overview - The "Park Loan" is an innovative financial product aimed at supporting Dongguan's "8+8+4" industrial system, focusing on key sectors such as technological innovation, green low-carbon initiatives, and foreign trade [2]. - The loan amount issued was 3 million yuan, providing convenient financing services to enterprises in the pilot park [2]. Group 2: Implementation Mechanism - The product establishes a collaborative mechanism among the government, banks, and park management, integrating government "credit easy loan" platforms with park operational data to create tailored, no-collateral, low-cost, and efficient credit services [2][3]. - Eligible enterprises can also benefit from multiple policy incentives, including interest subsidies and risk compensation from Guangdong Province for manufacturing and high-tech enterprises [2]. Group 3: Service Strategy - China Merchants Bank Dongguan Branch has formed a specialized service team to conduct on-site visits and joint research, utilizing big data models to create a precise profile of pilot parks like Tianan Digital City [3]. - The bank offers customized financing solutions that align closely with the actual needs of Dongguan's technology and manufacturing enterprises, enhancing the relevance of their credit marketing projects [3]. Group 4: Future Plans - The bank plans to leverage the "Park Loan" as an opportunity to explore new models and pathways for financial support to the real economy, aiming to provide robust financial backing for the construction of a modern industrial system in Dongguan [3].

Core Viewpoint - Huaxia Bank Hefei Branch has celebrated its 15th anniversary, emphasizing its commitment to serving the national strategy and supporting local economic development through innovative financial services and community engagement [1][2][18]. Group 1: Financial Services and Economic Development - The bank has positioned itself as a key player in supporting the high-quality development of Anhui province, integrating financial services with local economic needs [1][2]. - Over the past 15 years, the bank has focused on innovation, contributing to the establishment of Anhui as a "source of technological innovation" [1][2]. - As of June 2023, the bank reported a general deposit balance of 38.1 billion yuan, a year-on-year increase of 16.43 million yuan, and a total loan balance of 43.658 billion yuan, reflecting robust growth [5]. Group 2: Party Building and Corporate Governance - The bank emphasizes the importance of party leadership and high-quality party building as fundamental to its long-term stability and development [3][4]. - A three-year action plan (2025-2027) has been established to enhance the integration of party building and business operations, aiming for a market share increase of over 1% and significant growth in deposits and loans [4]. Group 3: Community Engagement and Social Responsibility - The bank actively participates in community service initiatives, such as rural revitalization programs and health check-ups for villagers, demonstrating its commitment to social responsibility [5]. - The bank has launched various financial products aimed at supporting rural development and enhancing the livelihoods of local communities [16]. Group 4: Support for Key Industries - Huaxia Bank Hefei Branch has provided significant financial support to the automotive and new energy sectors, with cumulative credit exceeding 7.1 billion yuan for the new energy vehicle manufacturing industry [6][7]. - The bank has also supported the semiconductor industry in Hefei, approving a 1.5 billion yuan loan for a key project, showcasing its role in advancing high-tech manufacturing [7]. Group 5: Innovation in Financial Products - The bank has developed a range of financial products tailored to the needs of small and micro enterprises, including the "Foreign Trade Loan" and "Seed Loan," to enhance access to financing [8][10][15]. - Innovative digital financing solutions have been introduced, such as the "Sunshine New Energy Order Loan," which has successfully provided 142 million yuan in financing to 91 ecological clients [12]. Group 6: Future Outlook - Looking ahead, the bank aims to continue its commitment to supporting the modernization of Anhui, leveraging its strengths in party building, technological innovation, and community service to drive future growth [19].

Core Insights - The Qing Shan Lake Science and Technology City aims to establish itself as a national-level economic and technological development zone, focusing on project acceleration, enterprise enhancement, and technological breakthroughs [1][2] Group 1: Economic Performance - From January to June, the service industry revenue in Qing Shan Lake increased by 110.4%, fixed asset investment rose by 11.6%, and manufacturing investment grew by 16.5% [1] - The region has seen significant growth in technology-driven enterprises, with 20 companies reporting a 67.1% increase in output [2] Group 2: Industrial Development - Qing Shan Lake is developing a "3+1" advanced manufacturing industry system, focusing on new equipment, new materials, and health, while also accelerating the layout of intelligent robotics [2] - The area has established a comprehensive cultivation system for emerging industries, including a key service platform for humanoid robot components [2] Group 3: Investment and Attraction - The region has successfully attracted 36 billion-level projects, including 8 projects exceeding 1 billion, indicating a strong industrial clustering effect [3] - The total number of operating entities in Lin'an District has surpassed 100,000, showcasing the area's growing industrial appeal [3] Group 4: Innovation and Talent - Qing Shan Lake has launched a technology innovation system aimed at increasing the number of national high-tech enterprises and provincial technology-based SMEs [4] - The introduction of young talent has surged, with a 38% increase in university graduates under 35 and a 27.3% increase in PhDs under 40 [4] Group 5: Business Environment - The region has enhanced its service mechanisms, including initiatives like "Investment Qing Shan Lake" and various support measures for businesses [5] - Financial products tailored for enterprises and talent have been introduced, providing low-cost financing solutions [6]

Core Viewpoint - The private economy in Shenzhen is a vital force in advancing China's modernization and has become a significant symbol of the city's economic development, contributing substantially to various economic metrics [3][7]. Economic Contribution - As of 2024, Shenzhen has a total of 4.404 million operating entities, with a growth rate of 4.2%, and over 2.6 million private enterprises, making it the leading city in private economic contributions [7]. - The private economy exhibits a "456799" phenomenon, contributing approximately 40% of fixed asset investment, over 50% of tax revenue, nearly 60% of added value, over 70% of import and export volume, and over 90% of employment and business entities [7]. Innovation and R&D - Innovation is the core strength of Shenzhen's private economy, with total R&D investment reaching 223.661 billion yuan in 2024, accounting for 6.46% of GDP, and 93.3% of this investment coming from enterprises [8]. - Shenzhen boasts over 25,000 national high-tech enterprises and 10,800 specialized and innovative enterprises, forming a vibrant innovation ecosystem alongside major companies like Ping An and Huawei [8]. Industrial Strength - Shenzhen's private enterprises dominate 37 out of 41 industrial categories, with over 14,000 large-scale industrial companies, maintaining its status as the "Industrial First City" in China for two consecutive years [9]. - The city has transformed from a follower to a leader in various niche markets, achieving significant growth in the electronic information industry and establishing a "one-hour industrial circle" in the Greater Bay Area for efficient supply chain management [9]. Business Longevity and Growth - The average lifespan of a private enterprise in Shenzhen is approximately 6 years, significantly higher than the national average of 3.7 years, with 17% of enterprises surviving over 10 years [11]. - The time taken for a private enterprise to grow into a listed company on the Sci-Tech Innovation Board is an average of 13.35 years, which is 1.05 years faster than the national average [11]. Challenges and Solutions - Despite the robust growth, Shenzhen's private economy faces challenges such as financing difficulties for small and medium-sized enterprises (SMEs), high operational costs, and talent competition due to high living costs [12][17]. - The government is actively optimizing the business environment, reducing burdens on enterprises by over 150 billion yuan in 2024, and implementing various reforms to enhance market conditions [15][16]. Policy Innovations - The introduction of the "Private Economy Promotion Law" aims to provide comprehensive legal support for private enterprises, addressing market access barriers and improving regulatory frameworks [16]. - Shenzhen is enhancing its financial services by optimizing bank assessment mechanisms and promoting innovative financing products to support SMEs [16][22]. Talent and Resource Management - The city is focusing on improving land allocation, talent policies, and easing residency restrictions to foster a competitive environment and facilitate talent mobility within the Greater Bay Area [17]. - Learning from other cities like Hangzhou, Shenzhen aims to enhance collaboration between large enterprises and SMEs, providing resources and support for startups [18][19].