经济观察报策划发起《走进科创债》栏目，就首单商业银行浮息利率科创债的发行考量以及背后的 科技金融布局，采访了四川银行。 2025年7月2日，四川银行发行科创债的募集资金已经到账， 其计划在3个月内按规划完成资金投放。据四川银行方面介 绍，该行此次募集的资金将分两部分精准赋能区域科创领域。 作者： 刘颖 封图：图虫创意 中小银行正成为科技创新债券（下称"科创债"）发行的重要力量。 Wind数据显示，截至7月30日，发行科创债的银行已经扩容至33家，发行总规模达2358亿元。其 中，中小银行的发行家数占比过半。 值得注意的是，作为城商行，四川银行发行了全国首单商业银行浮息利率科创债，发行规模为11 亿元，发行利率达1.85%，期限5年。 浮息利率设计考量 2024年12月10日，四川银行首次尝试发行债券。该债券为二级资本债券，发行规模为54亿元，期 限为5+5年，主体评级与债项评级均为AAA，发行票面利率为2.20%，共吸引了100余家机构投资 者积极认购，累计获投资量超350亿元，全场认购倍数达6.6倍。 在债券市场首次亮相，便获得机构的踊跃认购，让四川银行信心大增。 2025年5月7日，中国人民银行、中国证监 ...

Group 1: Core Business and Technological Advancements - Sichuan Bank has enhanced its core system's concurrent processing capability by 28 times, resulting in faster customer response times and improved service experience [1][3] - The bank's digital transformation, initiated in 2022, has led to the establishment of a comprehensive architecture covering business, application, technology, data, and security [2][3] - The new disaster recovery system allows for a recovery time objective (RTO) of less than 15 minutes and a recovery point objective (RPO) approaching zero, setting a benchmark for small and medium-sized banks [3] Group 2: Green Finance Initiatives - Sichuan Bank's green loan balance reached 16.5 billion yuan, a nearly 60-fold increase since its inception, with an annual compound growth rate exceeding 230% [5] - The bank has developed a "green finance" service system that integrates financing and intelligence, supporting low-carbon development initiatives [4][5] - The first sustainable development-linked loan for a high-carbon industry in Sichuan was issued by the bank, expected to save 13,000 tons of standard coal and reduce carbon dioxide emissions by 22,800 tons annually [5] Group 3: Inclusive Financial Services - The "Shu Nong One Card" has been issued to over 400,000 users, facilitating access to various financial services for rural residents [6] - Sichuan Bank has implemented a rural revitalization financial model that integrates credit services and support networks, establishing 66 "Shu Nong Benefit Stations" across 14 cities [6] - The "Anyi Panda Cultural Tourism One Card" has been launched, integrating over 38,000 merchants and driving consumption of 4.5 billion yuan [7] Group 4: Support for Strategic Industries - Sichuan Bank provided 1.13 billion yuan in credit to the Sichuan Yongying new materials project, demonstrating its commitment to supporting strategic emerging industries [8] - The bank has created over 200 financial products, including "Chuan Yin Sci-Tech Loan" and "Chuan Yin Intelligent Manufacturing Loan," to better serve various sectors [9][10] - The bank's loan balance exceeded 240.7 billion yuan, with an investment business balance of over 190 billion yuan, achieving an annual growth rate of over 35% [8][10]