根据工信部12月最新公示的全国第七批专精特新"小巨人"企业名单，深圳有效期内"小巨人"企业总量达 到1333家，位居全国城市首位。 这标志着，继"民营经济第一城"之后，深圳再添"专精特新第一城"的新名片。 这些科技企业呈现"集聚生成"的特点，大多扎根于深圳各大产业园区、创新园区，从小微初创企业逐步 成长为"小巨人"。数据显示，深圳目前拥有超过4400家不同类型和规模的产业园区，数量居于全国首 位，贡献了全市超30%的GDP和70%以上的战略性新兴产业产值。 因此，依托产业园区展开金融支持是支持小微企业的有效路径。在此背景下，深圳首创的"园区贷"应运 而生，通过银行和园区"结对"形式，旨在破解小微融资的"不可能三角"。 作为首批试点银行之一，农业银行深圳分行以"园区贷"作为拳头抓手之一的普惠金融业务交出亮眼答 卷：截至2025年11月末，该行普惠贷款余额超1120亿元，服务小微企业超4.7万户。同时，普惠贷款利 率较2021年下降125个基点，切实落实减费让利政策。 据悉，"园区贷"以高额度、低利率、无抵押为特点，依托"政银园担"协同机制，实现金融资源的精准触 达。今年以来农行深圳分行响应号召，同步升级"园区贷 ...

在深圳市中小企业服务局、国家金融监督管理总局深圳监管局的指导下，12月5日，深圳市龙华区发展 和改革局、科技创新局、统计局及观澜街道办事处联合中国农业银行深圳市分行，在观澜银星科技园成 功举办"'深i企'有约·园区贷2.0"推广活动（第二期）。活动旨在充分发挥示范园区标杆引领作用，加速 推动"园区贷2.0"与支持小微企业融资协调工作机制深度融合、落地见效，共同探讨普惠金融赋能小微 企业高质量发展路径。深圳市中小企业服务局、国家金融监督管理总局深圳监管局、龙华区政府相关部 门负责人，农行深圳分行党委委员、副行长范志坚以及90余位园区企业代表和多家媒体代表共同参与。 "政策+融资"双轮驱动 精准破解企业难题 本次活动以"享政策+解融资 助企'减负提速'"为主题，聚焦小微企业融资需求，通过政策解读、产品推 介、案例分享等环节，为企业提供全方位支持。 龙华区政府有关领导在致辞中表示，小微企业是区域经济的重要活力源泉，政府将持续优化营商环境， 借助"园区贷2.0"等政策工具，助力企业降低融资成本、提升发展效率。龙华区统计局专家进一步解 读"升规纳统"全流程，帮助企业精准对接政策红利，实现"轻资产"向"高成长"的跃迁。 ...

Core Insights - The "Park Loan 2.0" initiative was successfully launched in Yantian, aimed at enhancing inclusive financial services and optimizing the business environment [1][3] - The event attracted over 30 financial representatives from local enterprises and banks, facilitating in-depth discussions on policy interpretation and financial services [1][3] Group 1: Policy Implementation - Yantian District has actively promoted the "Park Loan" program, with five parks, including the Yantian Comprehensive Bonded Zone, selected for the city's second batch of pilot projects [3] - Three key measures have been established to create an inclusive financial service system: a collaborative platform, enhanced service efficiency, and dedicated service personnel [3] Group 2: Financial Solutions - A "government-platform, park-empowerment, bank-benefit, guarantee-enhancement" model has been introduced, offering unsecured, low-interest, and fast-approval credit products for small and micro enterprises [3] - The "Yantian Enterprise" financial service area has been created to provide a dedicated channel for "Park Loan," allowing businesses to easily access and match financial solutions [3] Group 3: Event Outcomes - During the bank-enterprise matching session, banks provided one-on-one consulting services, tailoring financial solutions to meet specific enterprise needs [4] - Participants expressed satisfaction with the event, noting that it clarified policy details and established connections with multiple banks, addressing financing challenges effectively [4] - "Park Loan 2.0" is positioned as a new engine for the high-quality development of small and micro enterprises in Yantian District, with plans for continued policy and service enhancements [4]

Core Insights - The launch of "Park Loan 2.0" aims to enhance inclusive financial innovation for small and micro enterprises in Shenzhen, particularly in industrial parks [1][3] - The initiative is supported by multiple government departments and aims to create a collaborative financing mechanism for small businesses [1][3] Group 1: Overview of "Park Loan 2.0" - "Park Loan 2.0" was introduced to improve financial services for small and micro enterprises, focusing on information sharing, risk sharing, and resource integration [4] - The program has selected 27 banks and 60 industrial parks as the second batch of pilot projects to implement the new loan scheme [4] Group 2: Financial Support and Mechanisms - Since the establishment of the financing coordination mechanism, Shenzhen has seen over 1 trillion yuan in new credit and 798.2 billion yuan in new loans issued, leading among major cities [3] - The upgraded loan program offers no-collateral loans with favorable interest rates and expedited approval processes, addressing the financing bottlenecks faced by small and micro enterprises [5] Group 3: Collaborative Efforts and Strategic Partnerships - Ten banks signed strategic cooperation agreements with ten industrial parks during the launch event, indicating a commitment to fostering partnerships for financial support [7] - The initiative aims to replicate successful experiences in other scenarios, contributing to the high-quality economic development of Shenzhen [7]

Core Viewpoint - The launch of "Park Loan 2.0" in Shenzhen aims to enhance financial support for over 2.7 million small and micro enterprises, marking a significant step in regional financial reform and the development of inclusive finance [1][5]. Group 1: Overview of "Park Loan 2.0" - "Park Loan 2.0" is an upgraded financial service model that builds on the initial "Park Loan 1.0," which focused on breaking down information barriers [5]. - The new version emphasizes high credit limits, low interest rates, and no collateral requirements, utilizing operational data from enterprises in industrial parks to create precise financial profiles [5][6]. - The program involves collaboration among government, banks, industrial parks, and guarantee institutions to provide unsecured credit support to small and micro enterprises [5][8]. Group 2: Features and Mechanisms - "Park Loan 2.0" enhances data utilization by incorporating dynamic data such as residency duration, utility payments, and patent performance to assist banks in risk assessment [6]. - The program introduces a risk-sharing mechanism with government guarantee institutions setting special quotas and increasing compensation ratios [6]. - A dedicated "Park Loan" specialist mechanism and regular monitoring processes are established to ensure effective implementation and support [6][9]. Group 3: Addressing Financing Challenges - The "Park Loan" model addresses the "impossible triangle" of reducing financing costs, expanding service coverage, and ensuring sustainability in inclusive finance [8]. - Shenzhen's industrial parks, numbering 4,423, serve as critical hubs for expanding financial services to small and micro enterprises [8]. - The model aims to convert intangible credit into tangible financial support, particularly for startups lacking information and collateral [8][9]. Group 4: Future Directions - Shenzhen plans to replicate the "Park Loan" experience across eight additional scenarios, including foreign trade and supply chains, leveraging the natural risk control mechanisms present in industrial parks [9]. - The initiative redefines the roles of park operators and banks, transforming them into incubators and growth partners, respectively [9].

Core Viewpoint - The "Park Loan 2.0" initiative aims to address the financing difficulties faced by small and micro enterprises in Shenzhen through a collaborative mechanism involving government, parks, banks, and guarantees, enhancing the financial ecosystem for these businesses [2][4][6]. Group 1: Financing Challenges - Shenzhen hosts over 2.7 million small and medium-sized enterprises (SMEs), contributing approximately 50% of the city's GDP, highlighting their critical role in economic development [2]. - Traditional financing models have led to significant information asymmetry, making it difficult for small enterprises to meet bank lending criteria due to a lack of sufficient collateral [2]. - The "Park Loan" initiative is a response to the persistent challenges of financing for SMEs, which directly impacts the healthy development of Shenzhen's economy and the practice of inclusive finance [2]. Group 2: Park Loan 2.0 Implementation - The initiative was launched in July 2024, with 11 banks and 10 small and micro enterprise innovation demonstration bases selected for the pilot program, facilitating information exchange and resource integration [2]. - As of now, the pilot banks have granted a cumulative credit amount exceeding 11.5 billion yuan to enterprises within the pilot parks, demonstrating the viability of the "Park Financial" model [2]. Group 3: Bank Participation and Innovations - The Industrial and Commercial Bank of China (ICBC) Shenzhen branch has provided over 13 billion yuan in credit to more than 2,700 enterprises, with 6.6 billion yuan allocated to specialized and innovative high-tech enterprises [3]. - ICBC has developed a comprehensive financial service plan that includes standardized loan products, AI-driven financial advisory services, and a digital financial alliance to enhance service delivery [3][4]. Group 4: Mechanism and Service Enhancements - "Park Loan 2.0" represents a comprehensive upgrade in service philosophy, working mechanisms, and system efficiency, emphasizing a collaborative model that enhances risk-sharing and service coverage [4][5]. - The initiative aims to break down data silos by integrating data from government, parks, and banks, transforming fragmented data into quantifiable financial assets for precise enterprise profiling [5][6]. Group 5: Future Outlook - Shenzhen plans to expand the "Park Loan 2.0" model further, enhancing the precision, efficiency, and quality of financial services for small and micro enterprises, thereby fostering high-quality economic development [7].