党的二十届四中全会提出"加快高水平科技自立自强，引领发展新质生产力"，并强调推动科技创新 与产业创新深度融合。 为扎实做好科技金融大文章，建立"股贷债保"联动的金融服务支撑体系，在中国人民银行广东省分 行指导下，中国人民银行东莞市分行创新深化科技金融"股贷担保租"联动服务模式，通过整合多元资源 打破金融壁垒，构建全周期支撑生态，为科技成果转化与产业升级注入持续动力。该模式以省内首份工 作指引为保障，以"缺口介入机制—股贷担保租"工作服务站为载体，首批6支服务队实现"服务覆盖全 域、产品精准适配、融资高效落地"，累计服务企业超1400家，促成融资近50亿元，创新10余项定制化 产品与服务模式，推动金融资源从"单点供给"转向"生态赋能"。 机制破壁以规范化设计激活协同效能 中国人民银行东莞市分行以制度创新破除协同壁垒，牵头搭建统筹协调框架，推动建立"三级联 动"组织体系，出台《"股贷担保租"联动服务队工作指引》，为"股贷担保租"联动服务模式筑牢运行根 基。一是构建"三级联动"组织体系。设立领导决策、执行运营、实施落实三级架构，明确政府部门和服 务队内金融机构职责，建立跨部门政策协同与跨机构业务协作机制，推动服务队 ...

Core Viewpoint - Water West Village in Liyang, Jiangsu Province, is leveraging its rich red cultural heritage and agricultural resources to develop a unique model of "red culture + green industry," achieving significant economic growth [1][3]. Group 1: Economic Development - Water West Village has achieved a total output value exceeding 15 million yuan and collective income surpassing 2 million yuan by the end of 2024 [1]. - Jiangnan Rural Commercial Bank has opened a red financial history exhibition hall in Water West Village, supporting local development through a "red party building + finance" model [1][2]. Group 2: Financial Services - Jiangnan Rural Commercial Bank has established over 1,000 inclusive financial service points, providing various services such as small withdrawals, convenient payments, and policy consultations to enhance rural financial accessibility [2]. - The bank has issued nearly 20 million yuan in loans to farmers in the village, with over 8.6 million yuan in credit granted to 498 households, meeting diverse funding needs [3]. Group 3: Innovation and Support - The bank is actively involved in rural financial reform and has supported the village in becoming a pilot for national rural homestead system reform and a model for ecological civilization [3]. - Jiangnan Rural Commercial Bank has launched the "Jiangnan Science Loan" brand to provide comprehensive services to innovative enterprises, with a technology finance loan balance of 33.32 billion yuan as of June [4]. Group 4: Green and Inclusive Finance - The bank has issued 3.96 billion yuan in carbon reduction loans and launched the first green financial bond in Changzhou, with a total green finance loan balance of 34.87 billion yuan [4]. - The bank's micro-loan division has provided financing exceeding 1.8 billion yuan to 1,850 small micro-enterprises, with inclusive finance products reaching loan balances of over 20 billion yuan each [5].

Core Viewpoint - The implementation of the financing coordination mechanism for small and micro enterprises has shown significant results, with banks providing substantial credit support to these businesses, addressing their long-standing financing difficulties [1][2]. Group 1: Implementation and Results - As of June 2025, over 90 million small and micro enterprises have been visited under the mechanism, with banks granting new credit of 23.6 trillion yuan and issuing new loans of 17.8 trillion yuan, of which 32.8% are credit loans [1]. - The mechanism aims to facilitate direct and efficient access to bank credit for small and micro enterprises, with a focus on appropriate interest rates [1][2]. - Financial institutions have established specialized teams and innovative products to support the mechanism's implementation, ensuring that credit reaches the grassroots level quickly and conveniently [1][2]. Group 2: Financial Institutions' Initiatives - Financial institutions are actively engaging in the mechanism by forming specialized teams to address the financing needs of small and micro enterprises, ensuring timely and precise connections [2][3]. - Various banks have developed tailored financial products, such as "Inclusive Micro Fast Loans" with a favorable interest rate of 3.3%, and have implemented measures to streamline loan approval processes [4][5]. - The Zhejiang Pinghu Rural Commercial Bank has initiated a "Thousand Enterprises and Ten Thousand Households" outreach program to understand the operational challenges faced by small enterprises and to collect financing needs [3][4]. Group 3: Future Directions and Recommendations - The effectiveness of the mechanism relies on collaboration among government, banks, and enterprises, with a focus on clear objectives and coordinated efforts [6]. - Recommendations include enhancing data sharing across departments, improving the credit system, and increasing financial support policies to lower the cost of inclusive finance [6][7]. - Financial institutions are encouraged to innovate credit products, improve service quality, and enhance information sharing to better meet the financing needs of small and micro enterprises [7].

Group 1 - Financial institutions are optimizing resource allocation and enhancing efficiency in serving the real economy, which is crucial for high-quality economic development [1] - In Tongren City, Guizhou Province, a local credit cooperative provided a 2 million yuan green finance loan to support the upgrade of new energy equipment in tea plantations [1] - Shengyuan Carpet Group in Xining, Qinghai Province, received 8 million yuan in fixed asset loans to introduce advanced intelligent production equipment, significantly improving production efficiency and product quality [2] Group 2 - In the first half of the year, China's social financing scale exceeded 430 trillion yuan, with new loans nearing 13 trillion yuan, creating a favorable monetary environment for economic recovery [2] - The China Bank's Shaanxi branch introduced 16 measures to support technological innovation, including R&D loans and incubation loans, with R&D loans extending up to 10 years [2] - Financial support for key sectors such as advanced manufacturing, technological innovation, and private economy has seen rapid growth, with the establishment of government industry funds in Pinghu City to alleviate financing difficulties [3] Group 3 - The National Development and Reform Commission, along with the Ministry of Finance, allocated 69 billion yuan in special bonds to support the consumption of old goods, promoting positive outcomes in the replacement of consumer goods [3] - Retail sales of consumer goods increased by 5% year-on-year, with significant growth in categories such as home appliances and automobiles, driven by the consumption stimulus [3] - The People's Bank of China plans to implement a moderately loose monetary policy to enhance the quality and efficiency of financial services for the real economy [4]

Core Viewpoint - Shenzhen is actively enhancing its financial support for talent innovation and entrepreneurship, launching various initiatives to create a comprehensive support system for startups and talent development [2][4][10]. Group 1: Financial Support Initiatives - Shenzhen has introduced a "full-cycle" financial service for enterprise growth, including a financial advisory team and customized financial products for different stages of business development [3][5][10]. - The city has established a 30 billion yuan angel fund and talent innovation entrepreneurship fund, with 926 projects invested to date [2][11]. - Shenzhen's total technology loan balance reached 987.3 billion yuan by the end of last year, supporting 579 listed companies [2][13]. Group 2: Talent Attraction Measures - The city has implemented measures such as "zero rent acceleration camps" and free accommodation for recent graduates to create a supportive living and working environment for talent [4][5]. - A comprehensive support system for housing and office space has been established to facilitate talent innovation and entrepreneurship [4][5]. Group 3: Customized Financial Products - Various innovative financial products have been launched, including insurance for project cost losses, loans for pre-IPO equity structure optimization, and flexible loans for research and technology transformation [11][12]. - The "Venture Talent Card" provides a full-chain solution for venture capital talents, covering fundraising, investment, management, and exit [12]. Group 4: Challenges and Solutions - Key challenges faced by startups include difficulties in financing resource matching, low efficiency in policy transmission, and poor integration with industry [7][8]. - The newly formed financial advisory team aims to provide professional guidance and support to help startups navigate these challenges [6][8].