从"轻资产"困境到"点知成金"，从"首贷难"到"融资稳"，从"跨境架构"到"资金入境"……一家银行如何 用五年时间将科技金融打造成一项"生态工程"？浙商银行北京分行用实践给出了答案：将"善"的基因融 入科创企业全生命周期，让金融活水精准滴灌"小而美"的科创企业。 量化"知识资本" 破解"首贷"难题 善热科技（北京）有限公司是北京市认定的专精特新中小企业，拥有2项国家发明专利、11项实用新型 专利，核心产品在助力经济社会绿色发展方面发挥了重要作用。但企业在技术升级的关键期，由于轻资 产、缺抵押的行业特性，遇到了融资"卡脖子"。 浙商银行北京分行金融顾问主动上门尽调，基于实控人情况、企业专利技术、订单情况及绿色产业属 性，通过"小微科创贷"等产品帮助企业解了燃眉之急，成为企业的首家合作银行。 深入园区 "10+N"体系 让金融服务如影随形 "从入园租金贷，到厂房按揭贷，再到订单周转贷，银行产品像路标一样精准指引企业前行。"在中关村 工业互联网产业园，浙商银行北京分行系统性展示了为园区小微企业量身定制的"全生命周期成长地 图"。 该行创新构建"10+N"金融顾问服务体系：以10项"园区贷"子产品为基础架构——涵盖经 ...

Core Insights - The article discusses the increasing financial service demands of small and micro enterprises in industrial parks, emphasizing the role of inclusive finance in empowering the real economy [1][2] - Zhejiang Commercial Bank's Beijing branch has developed an innovative "10+N" financial advisory service system to meet the diverse financial needs of industrial parks [1] Group 1: Financial Products and Services - The "10+N" system includes 10 loan products tailored for industrial parks, supplemented by various specialized services to achieve precise adaptation for each park [1] - The bank offers project construction loans for developers and integrates a "business + finance + investment" smart park platform for management [1] - For enterprises within the parks, the bank provides a comprehensive range of financing options, including mortgage and leasing loans for operational premises, renovation loans, working capital loans, and financing for equipment and raw material purchases [1] Group 2: Digital Transformation and Efficiency - The bank is enhancing service efficiency and customer experience through digital transformation, creating a "1+1+N" digital inclusive product system that includes "Digital Science Loan + Digital Easy Loan + Digital Projects" [2] - This transformation aims to upgrade credit services to be online and intelligent, adhering to the "one visit at most" principle, allowing businesses to complete the entire credit application, approval, and disbursement process online [2] - As a result of these initiatives, by the end of September 2025, the bank has served 30 industrial parks and over 460 enterprises, providing financing support exceeding 2.5 billion yuan [2]

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]