中经记者 郝亚娟 夏欣 上海 北京报道 近日，《人民日报》报道，我国芯片领域取得了新突破。 在芯片研发和投产的产业链上，活跃着大量中小微企业。科技型小微企业是科技创新的"生力军"，在集 成电路等战略性新兴产业发展中发挥着关键作用。然而，这些企业普遍面临研发周期长、资金需求急、 可抵押资产少等难题，融资困境成为制约其成长的重要瓶颈。 针对这一痛点，上海华瑞银行构建完善的科创普惠产品体系，助力科技型小微企业高质量发展。通过精 准对接芯片产业链科技企业需求，依托科创普惠金融产品，提供低成本的融资支持。 科技金融进阶：从"重资产"到"重价值" 清华大学五道口金融学院金融安全研究中心发布的《专精特新企业融资实践路径与安全策略报告 （2025）》显示，很多科技企业的资产负债表呈现出典型的"轻资产"特征，其核心价值体现为知识产 权、研发团队等无形资产。固定资产占比低于传统制造业企业，核心资产难以通过传统抵押方式融资。 对于银行而言，传统模型依赖历史现金流、利润率等指标，无法衡量技术潜力与未来价值，导致成长期 企业被判定为高风险。在以有形资产为核心的抵押文化下，科技企业最有价值的资产——知识产权，却 因其估值难、流动性差，导 ...

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Chongzuo Branch has successfully issued a 10 million yuan credit loan to a "specialized, refined, distinctive, and innovative" small giant enterprise, demonstrating its commitment to supporting the development of the real economy and technological innovation [1][2]. Group 1: Financial Support for Specialized Enterprises - The loan was provided to a company recognized by the Guangxi Zhuang Autonomous Region government as a "specialized, refined, distinctive, and innovative" small giant enterprise, focusing on the research and manufacturing of functional materials [1]. - The company faced challenges in expanding production and enhancing technology due to its light asset operation model, which limited access to traditional financing channels [1]. Group 2: Customized Financial Solutions - ICBC Chongzuo Branch established a special service team to tailor a no-collateral credit loan plan based on the company's annual credit rating and financial needs [1]. - The bank implemented a multi-dimensional evaluation system focusing on technological value, market prospects, and policy guidance, reducing reliance on collateral [2]. Group 3: Dynamic Risk Management - A "full lifecycle" dynamic management mechanism was established to monitor business operations through high-frequency indicators such as supply chain data, tax information, and electricity consumption [2]. - The bank offers flexible repayment options, allowing for monthly interest payments and principal repayment at maturity, aligning with the company's cash flow characteristics [2]. Group 4: Collaboration with Local Government - ICBC Chongzuo Branch deepened strategic cooperation with local governments by creating a "whitelist" sharing mechanism and organizing government-bank-enterprise matchmaking events [2]. - This collaboration facilitates efficient access to key clients in manufacturing, new energy, and high-tech sectors, ensuring the provision of quality financial products and services [2].