同时，浙商银行北京分行还推出小微科创贷、人才贷等产品，精准对接科技型企业及实控人、核心股东 需求，助力园区吸引高端人才。 除了产品体系的创新，服务效率与客户体验的提升同样关键。在这一方面，浙商银行北京分行以数字化 转型破解传统融资痛点，构建"数科贷+数易贷+数字化项目"的"1+1+N"数字普惠产品体系，实现信贷服 务的线上化、智能化升级，践行"最多跑一次"理念，扩大小微业务线上办理范围，企业通过线上扫码即 可完成授信申请、审批、放款全流程。 得益于上述举措的持续推进，截至2025年9月末，浙商银行北京分行已累计服务30个产业园区、460余家 入园企业，投放融资支持超25亿元。 北京商报讯（记者 宋亦桐）在普惠金融深度赋能实体经济的背景下，产业园区作为小微企业集聚发展 的重要载体，其金融服务需求日益凸显，近日，浙商银行北京分行举办媒体开放日活动，走进位于北京 市石景山区的中关村工业互联网产业园，围绕"做好普惠金融大文章，助力产业园区发展"主题展开讨 论。 为更精准地满足园区多元化的金融需求，浙商银行北京分行创新性构建"10+N"金融顾问服务体系，以 10项园区贷子产品为基础，叠加N项特色服务，实现"一园一策"精 ...

Group 1 - The article highlights the shift in financing for technology companies, moving away from traditional collateral-based models to more tailored financial products that recognize the unique characteristics of these firms [1][2] - Technology companies like Shenzhou Medical and Weiyuan Synthetic are leveraging advanced technologies and innovative solutions, yet they face challenges in securing financing due to their asset-light nature [1][2] - Banks are increasingly adopting a "tailored" approach to support technology firms, focusing on their innovation capabilities rather than traditional financial metrics [2][3] Group 2 - The introduction of products like "Technology Achievement Transformation Loan" by banks allows for a more nuanced evaluation of technology companies based on their patents, team, and market potential [2][3] - Financial institutions are encouraged to enhance their support for technology innovation as outlined in recent policies from multiple government departments [3][5] - Banks are forming partnerships with technology firms, providing not just loans but also comprehensive support that includes government subsidies and industry expertise [4][6] Group 3 - The concept of "system empowerment" is emerging, where banks aim to be partners in the growth of technology companies rather than just lenders [6][8] - Financial institutions are creating a product matrix that covers the entire lifecycle of technology companies, addressing diverse funding needs at different growth stages [8] - Collaboration among banks, government funds, and industry players is essential to build a supportive financial ecosystem for technology innovation [8]