Core Viewpoint - The release of the "Opinions on Deepening Reform and Innovation in Shenzhen's Comprehensive Reform Pilot" aims to enhance financial services for the real economy, particularly focusing on technology and industry integration in finance [2][5]. Financial Services and Innovations - Shenzhen has been recognized as a significant financial center, with the "Opinions" emphasizing the need to improve mechanisms that incentivize financial services for the real economy [2]. - The "Technology Industry Financial Integration Pilot" is designed to empower technological innovation and industrial development, facilitating financial resources to support research and entrepreneurship [2][5]. - New financial products such as "Tengfei Loan" and "Technology Startup Loan" have been introduced to support small and micro enterprises [2]. Credit and Financing Mechanisms - The "Yuanqu Loan," a no-collateral credit product, has been launched to assist small and micro enterprises by leveraging various data points from industrial parks [3]. - As of April 2024, the Shenzhen "Specialized, Refined, Unique, and Innovative" board has listed 301 companies, with 80.73% being small and medium enterprises [3]. - The total loan balance for technology enterprises in Shenzhen reached 1.23 trillion yuan, with a year-on-year growth of 7.23% as of March 2025 [4]. Knowledge and Intellectual Property Financing - Shenzhen leads the nation in knowledge property asset-backed securities (ABS) issuance, with a total of 99 issuances amounting to 21.906 billion yuan, accounting for over half of the national total [6]. - The "Opinions" highlight the need to optimize the connection between debt and equity financing for technology enterprises, addressing challenges such as asset collateralization and risk assessment [7]. Support for Listing and Investment - The "Opinions" allow companies listed on the Hong Kong Stock Exchange to also list on the Shenzhen Stock Exchange, promoting financial connectivity within the Greater Bay Area [8]. - There is a push for more long-term capital to support high-tech companies, especially those returning from overseas listings to the domestic market [9].

近日，人民银行深圳市分行联合深圳金融监管局、深圳证监局等九部门，正式印发了《关于做好数字金 融大文章 支持打造"数字中国"深圳样板的实施意见》(以下简称《实施意见》)，围绕加快推进金融机构 数字化转型、数字赋能深圳"5+1"篇大文章、打造数字金融特色应用场景、完善数字金融治理体系等五 个方面提出18条具体举措，以数字金融创新巩固拓展数字经济优势，全力支持打造"数字深圳"。 拓展深港跨境合作 供应链金融等创新场景 跨境支付方面 打造全域支付示范区 近年来，深圳依托数字人民币试点、跨境支付平台、深圳地方征信平台(融资信用服务平台)，已形成一 批数字金融特色应用场景。为进一步提升金融服务和数字技术融合度，打造更多"人工智能+"和"数据要 素×"特色应用场景，《实施意见》进一步明确，在数字人民币方面，将推进数字人民币在公共事业、 预付式消费、供应链金融等领域应用，积极参与多边央行数字货币桥项目，深入开展智能合约、数字人 民币硬钱包等创新应用，打造具有示范性应用场景。 在跨境支付方面，推动香港转数快与网上支付跨行清算系统互联互通首批应用场景落地深圳，打造全域 支付示范区。在征信赋能方面，加快知识产权、创新专利、专精特新 ...

近日，人民银行深圳市分行联合深圳金融监管局、深圳证监局等九部门，正式印发了《关于做好数字金 融大文章 支持打造"数字中国"深圳样板的实施意见》（以下简称《实施意见》），围绕加快推进金融 机构数字化转型、数字赋能深圳"5+1"篇大文章、打造数字金融特色应用场景、完善数字金融治理体系 等五个方面提出18条具体举措，以数字金融创新巩固拓展数字经济优势，全力支持打造"数字深圳"。 深圳在数字金融特色应用场景的打造上同样不遗余力。近年来，深圳依托数字人民币试点、跨境支付平 台、深圳地方征信平台（融资信用服务平台），已形成一批数字金融特色应用场景。为进一步提升金融 服务和数字技术融合度，打造更多"人工智能+"和"数据要素×"特色应用场景，《实施意见》进一步明 确，在数字人民币方面，将推进数字人民币在公共事业、预付式消费、供应链金融等领域应用，积极参 与多边央行数字货币桥项目，深入开展智能合约、数字人民币硬钱包等创新应用，打造具有示范性应用 场景。 在跨境支付方面，推动香港转数快与网上支付跨行清算系统互联互通首批应用场景落地深圳，打造全域 支付示范区。在征信赋能方面，加快知识产权、创新专利、专精特新、绿色环保、农业农村、养 ...

Core Viewpoint - The People's Bank of China Shenzhen Branch and other nine departments have issued the "Implementation Opinions" to support the digital financial transformation in Shenzhen, aiming to create a model for "Digital China" through 18 specific measures [1][2]. Group 1: Digital Financial Transformation - The "Implementation Opinions" emphasize the systematic promotion of digital transformation in financial institutions, enhancing the innovation capability of digital technology applications [1]. - Shenzhen aims to build a digital transformation ecosystem based on "institutional guidance + scenario innovation + technology output" [1]. - Financial institutions are required to establish a coordinated mechanism led by top management to enhance resource allocation and task supervision [1]. Group 2: Innovative Financial Products - Financial institutions are encouraged to utilize AI, big data, and cloud computing to create innovative products such as "Tengfei Loan," "Carbon Reduction Loan," and "Technology Startup Pass" [2]. - The exploration of data asset credit enhancement, data intellectual property pledge financing, and data security insurance is promoted [2]. - Development of standardized and traceable green bonds and green insurance products is encouraged, along with innovative business models like "decentralized chain loans" [2]. Group 3: Digital Currency and Cross-Border Payment - The "Implementation Opinions" outline the promotion of digital RMB applications in public services, prepaid consumption, and supply chain finance [2]. - Participation in multilateral central bank digital currency bridge projects and the development of smart contracts and digital RMB hardware wallets are highlighted [2]. - The initiative aims to establish a full-domain payment demonstration area by facilitating the interconnection of Hong Kong's rapid payment system with online payment clearing systems in Shenzhen [2].

南方财经全媒体记者 曹媛 深圳报道 《实施意见》还提出要强化数字技术赋能，提升金融"五篇大文章"服务质效。结合深圳金融"五篇大文 章"发展实际，《实施意见》鼓励金融机构充分运用人工智能、大数据、云计算等数字技术，深挖企业 社保、税务、知识产权、创新积分等"技术流"信息，为企业精准画像，推动"腾飞贷""降碳贷""跨越 贷""科技初创通""小微通""个体通"等特色创新产品增量扩面。 记者此前从人民银行深圳市分行获悉，科技金融方面，深圳已有24家银行为82家企业通过"腾飞贷"模式 发放贷款24.5亿元，"科技初创通"助力2516家企业获得贷款27.5亿元；绿色金融方面，深圳人行联合深 圳市生态环境局、地方金融局印发《推广"降碳贷"业务模式的工作方案》，累计授信3.8亿元；普惠金 融方面，"个体通""小微通""深质贷"累计服务小微企业及个体工商户超11万户，提供授信近20亿元。联 合市财政、国资等部门印发《"跨越贷"试点方案》，为"无贷户"提供"企业有画像、贷前有担保"的服务 体系，17家企业获批贷款4880万元。 《实施意见》还引导金融机构探索基于"数据+金融"的数据资产增信、数据知识产权质押融资、数据安 全保险等 ...

在产品体验层面，"科技初创通"不仅沿袭了微众银行微业贷科创企业贷款产品的纯线上、无需抵质押、 无需线下开户等特色优势，更主动引入深圳市中小企业融资担保集团、深圳市高新投集团等政策性融资 担保机构的增信机制，进一步扩大了金融服务覆盖面。目前"科技初创通"有30%的企业贷款均有担保支 持，大大降低了企业的融资成本。 在市场触达层面，"科技初创通"依托"小微通"平台，打通了科创企业融资的"最后一公里"。据了解，深 圳市市场监督管理局充分利用政务渠道助力企业发展，在"小微通"平台提供"征信画像白名单授信—— 政务渠道触达信即得"的全线上、主动式、靠前式服务，有效提升了企业金融服务的获得感和满意度。 面对小微企业金融服务提质增效的迫切需求，微众银行将继续发挥数字银行能力，在全国更多地区复制 推广先行先试经验，以实际行动推动小微企业融资协调工作机制发挥更大效能，助力实体经济高质量发 展。 "没想到通过政务渠道，我们成功获得了一笔贷款支持，有力缓解了公司的燃眉之急。"符先生是深圳市 风谷三维科技有限公司的创始人，该公司从事3D打印服务、全彩立体地形沙盘产业，他提到近期公司 存在资金周转压力和融资难题，刚好通过政务渠道了解到 ...