为做好东莞金融"五篇大文章"，进一步优化企业融资环境，近日，中共东莞市金融委员会办公室印发 《东莞市便利企业融资赋能高质量发展若干措施》。文件分五个部分，围绕强化金融资源供给、创新重 点领域金融服务、完善融资服务体系、加大财政金融协同力度和保障机制等维度，从22个方面提出若干 政策措施。 在支持制造业转型升级方面，《措施》提出，实施工业设备更新银行贷款贴息，对东莞市规上工业企业 在2024年至2026年期间获得在莞银行新发放的设备更新类贷款给予贴息1个百分点，每家企业每年贴息 最高500万元。 | 含 您现在所在的位置:首页 > 改务公开 > 政师文件 分享到:(6)(4)(4)(在) | | --- | | 中共东莞市委金融委员会办公室关于印发《东莞市便利企业融资赋能高质量发展若干措施》的通知 | | ○ 2025-07-04 09:43:10 来源:本网 发布机构:中共东莞市委金融委员会办公室 【字体: 大 中 小】 | | 各有关单位: | | 经市人民政府同意,现将《东莞市便利企业融资赋能高质量发展若干措施》印发给你们,请认真贯彻执行。 | | 中共东莞市委金融委员会办公室 | | 2025年6月30 ...

"我们是一家比较典型的科技型企业，完全轻资产运行，除了电脑服务器以外，没有任何固定资产，但 是人员投入又比较大。"上海合见工业软件集团有限公司副总裁吴晓忠一句话点出了多数科技企业现 状。 科技创新是一场马拉松，金融服务不能只是阶段性的陪伴企业短跑冲刺，而是要做好长期服务的准备。 如何构建一套真正懂科技、能赋能、可落地的金融服务体系，成为金融业面临的时代命题。 今年5月，科技部、中国人民银行等七部门近日联合印发《加快构建科技金融体制有力支撑高水平科技 自立自强的若干政策举措》，为科技创新提供全生命周期、全链条的金融服务。这一政策要求从科技创 新的需求侧出发，聚焦科技创新重点领域和薄弱环节的融资需求，围绕创业投资、货币信贷、资本市 场、科技保险、债券市场等方面提出举措，强化多元化、接力式的金融支持。 科创企业呼唤"懂技术"的金融服务 信贷是大部分科技型企业的主要融资渠道，提升科技贷款的投放强度和服务能力是银行必须要解决的核 心问题，能够"懂技术、懂行业"是提升信贷投放能力的基本功。 "我们做的EDA工具，是芯片设计的'工业母机'，技术门槛极高，过去几乎被国外公司垄断。"吴晓忠介 绍，合见工软成立于2020年，专注 ...

Core Viewpoint - The article highlights the proactive role of Chengwu Rural Commercial Bank in supporting local technology innovation enterprises through timely financial assistance, thereby fostering the growth of the real economy in Shandong Province [1][2]. Group 1: Financial Support for Innovation - Chengwu Rural Commercial Bank has established a service team to provide rapid financial support to local tech enterprises, exemplified by a biotechnology company that received a loan of 3.6 million yuan within three days to alleviate cash flow issues [1]. - The bank's support has enabled the biotechnology company to enhance its business operations and establish stable partnerships with several top-tier hospitals [1]. Group 2: Tailored Financial Products - The bank has developed specialized financial products such as "Talent Loans," "Technology Achievement Transformation Loans," and "Intellectual Property Pledge Loans" to cater to the unique needs of tech enterprises [2]. - Chengwu Rural Commercial Bank has implemented a "green channel" for tech companies, allowing for expedited loan approvals through a list management system [2]. Group 3: Ecosystem for Tech Enterprises - The experiences of the two highlighted companies reflect the bank's broader strategy to create a supportive ecosystem for tech innovation, ensuring that eligible enterprises can access loans easily and benefit from lower interest rates [2]. - The bank's approach includes identifying financing pain points for tech companies and integrating them into a financial partnership system to enhance their growth potential [2].

在深入学习《习近平经济文选》的过程中，我们深刻领悟到科技创新与金融支撑对于经济高质量发展的 关键意义。其中，《中国式现代化要靠科技现代化作支撑》一文强调"中国式现代化要靠科技现代化作 支撑，实现高质量发展要靠科技创新培育新动能"；《贯彻新发展理念，建设现代化经济体系》一文指 出"增强金融服务实体经济能力"。科技金融以金融的跨时空连接能力，促进技术、资金、市场等要素的 融合，为科技创新和产业发展提供强大的支持和动力，实现"科技、产业、金融"的协同发展。 为贯彻落实党中央、国务院关于做好科技金融大文章的决策部署，2025年5月科技部等七部门联合出台 《加快构建科技金融体制有力支撑高水平科技自立自强的若干政策举措》，政策举措中要求构建同科技 创新相适应的科技金融体制，加大对国家重大科技任务和科技型中小企业的金融支持。当前中国正处于 建设科技强国关键阶段，探索和构建与现阶段科技创新发展相适应的科技金融体制机制尤为重要。基于 此，本文将深度剖析科技金融的重要性、发展现状和面临的挑战，并提出针对性的政策建议。 科技金融在科技创新体系中的重要性 (一)科技创新及其产业化是人类社会进步的源泉。《习近平经济文选》第一卷中多篇文 ...

Core Viewpoint - In 2023, technology finance was highlighted as a key focus in the Central Financial Work Conference, emphasizing the need for financial institutions to support the transformation of scientific research into marketable products through innovative financing solutions [1]. Group 1: Financial Institutions' Role - Financial institutions are encouraged to direct funds towards early-stage technology companies, particularly those with high growth potential, to facilitate their development [2]. - Banks are expanding their focus from traditional industrial parks to universities and research institutions, aiming to assist technology companies in transitioning from laboratories to the market [2][5]. - The introduction of the "Technology Achievement Transformation Loan" by CITIC Bank aims to support early-stage technology companies that have not yet achieved stable revenue [5][6]. Group 2: Innovative Financing Solutions - The "Technology Achievement Transformation Loan" prioritizes technological capabilities and research team quality over traditional financial metrics like debt repayment ability [6]. - The loan product allows for non-collateralized financing options, accepting credit-based guarantees or guarantees from controlling shareholders [7]. - CITIC Bank has successfully provided loans to companies like Huashinuo, which focuses on innovative ophthalmic diagnostic and treatment systems, demonstrating the effectiveness of this financing model [7][8]. Group 3: Case Studies of Technology Companies - Huashinuo, a company specializing in ophthalmic technology, received a loan of 10 million yuan to support its commercialization efforts, highlighting the importance of financial backing in critical development phases [7]. - Another example is Xinhua Storage, a startup focused on zinc-nickel flow battery technology, which received a loan of 5 million yuan without collateral, using patent pledges as a form of credit enhancement [12]. - Both companies illustrate the evolving financial needs of technology firms as they progress through different stages of development, requiring tailored financial solutions [13][14]. Group 4: Comprehensive Financial Services - CITIC Bank aims to provide a comprehensive suite of financial services, including credit products, equity investment, and bond financing, to support technology companies throughout their growth [14]. - The bank's "启航计划" (Launch Plan) aims to assist 10,000 hard technology companies in their critical transition from concept to market over the next three years [14].

为此，银行纷纷将目光从传统产业园区延伸至高校院所等区域，以中信银行为例，该行开始重点锚定高校院所、医院等科技成果转化主阵地，助力科技企业从"实验 室"走向市场。 从发现需求到识别价值 全国科技大会结束后，"引导金融资本投早、投小、投长期、投硬科技"成为金融机构开展科技金融工作的重要方向。这意味着，银行资金要流向更有需要、有发展 潜力的早期科技企业，成为助力其成长羽化的关键力量。 2023年，科技金融作为"五篇大文章"之首，在中央金融工作会议中被首次提出。 两年时间内，具身智能、量子科技等前沿技术不断涌现，如何以金融力量助推科技成果转化、实现创新与资本的完美结合？金融机构仍在不断实践与探索。 离实体企业距离最近的银行，也成为破解"科研强、转化弱"难题的关键一环。近期，券商中国记者实地探访北京的多家科技企业，探寻银行与科技企业间"双向奔 赴"的故事。 "2024年底，在对接中国医学科学院协和医学院时，我们了解到华视诺维这家企业，前两年融资较为顺畅，但下轮股权融资还未到账，产生短期的资金缺口。"该行 客户经理回忆。 华视诺维致力于解决眼科精准诊断和治疗，记者在现场看到，华视诺维所研发伴随诊断体系与脉络膜上腔给药系统 ...

Group 1 - The core viewpoint of the articles highlights the innovative approach of CITIC Bank in providing financial services tailored for technology-driven enterprises, particularly through the launch of the "Technology Achievement Transformation Loan" [1][2] - CITIC Bank has initiated a pilot program in Beijing to support early-stage technology companies, exemplified by its collaboration with Beijing Xinhua Storage Technology Co., Ltd., which specializes in zinc-nickel flow battery technology [1] - The bank has provided a credit limit of 5 million yuan to the startup, utilizing patent pledges as a means of credit enhancement, addressing the challenges of traditional financing methods [1] Group 2 - Since the launch of the product, CITIC Bank has supported dozens of technology transformation enterprises, issuing loans exceeding 100 million yuan [2] - The bank's strategy extends beyond credit product innovation, offering a comprehensive service model that includes "investment-loan linkage, bond financing, and industry matchmaking" to facilitate deep integration of capital, finance, and technology [2] - CITIC Bank has also introduced the "Sailing Plan - Empowering Technology Achievement Transformation Action," aiming to support 10,000 hard technology enterprises over the next three years through a structured service framework [2]

Group 1 - The core viewpoint of the news is that Citic Bank is enhancing its financial services to support technology enterprises, particularly in the early stages of their development, through a comprehensive service system that covers the entire lifecycle of these companies [1][2] - Citic Bank has provided a customized long-term loan of 80 million yuan to Beijing Parallel Technology Co., Ltd. for the purchase of new domestic servers, marking a significant step in the bank's penetration into high-tech asset financing [1] - Beijing Parallel Technology is the first listed company in A-shares focused on computing power services and is recognized as a national-level "little giant" enterprise, indicating its importance in the tech sector [1] Group 2 - Citic Bank has established a multi-layered service support system for enterprises, facilitating various financial products and services, including liquidity loans, asset securitization, and public REITs issuance [2] - The bank's "Technology Achievement Transformation Loan" aims to address the financing challenges faced by technology startups, focusing on evaluating technology, patents, and teams rather than traditional financial metrics [2] - The bank's "Set Sail Plan - Empowering Technology Achievement Transformation Action" aims to create a financial product matrix that supports key stages such as achievement transformation, capacity expansion, and mergers and acquisitions [3] Group 3 - Citic Bank emphasizes the importance of understanding technology and embracing uncertainty as a responsibility of financial institutions in the new era [4]

Core Insights - The integration of finance and technology is accelerating, with banks moving beyond traditional loan offerings to provide ecosystem services and investment-loan linkage models [1][5] - The "启航计划" by CITIC Bank aims to support 10,000 technology enterprises over the next three years, focusing on key technology sectors such as artificial intelligence and biomedicine [6] Group 1: Company Innovations - Beijing Huashinuo Medical Technology Co., Ltd. is developing specialized equipment for precise ocular fluid sampling, enhancing precision medicine in ophthalmology [1] - The company has received multiple awards for its innovative projects, indicating strong recognition in the healthcare innovation space [1] - Beijing Xinhua Storage Technology Co., Ltd. is focusing on zinc-nickel flow battery technology, which is characterized by safety, environmental friendliness, and cost-effectiveness [3] Group 2: Financial Support and Collaboration - CITIC Bank has provided significant credit support to Huashinuo, emphasizing the importance of diverse financial services for technology enterprises [2] - The bank's technology achievement transformation loan product has been instrumental in supporting Xinhua Storage Technology's growth, allowing for a shift from equity financing to debt financing [4] - CITIC Bank is leveraging its full financial license to offer comprehensive support to technology companies, which is a competitive advantage over other banks [3][4] Group 3: Strategic Initiatives - The "启航计划" includes a six-product matrix tailored to the financial needs of technology companies at different growth stages, providing comprehensive financial support from technology breakthroughs to mass production [6] - CITIC Bank is creating a multi-dimensional service framework that integrates various financial services, aiming to address the unique challenges faced by technology enterprises [6] - The initiative aims to foster a collaborative ecosystem involving capital, policy support, and industry engagement to enhance the growth of technology companies [5][6]

Group 1 - The core objective of CITIC Bank Wenzhou Branch is to establish a "CITIC Bank Technology Finance Pilot Zone" to support the innovation and development of industries in Wenzhou through system restructuring and service innovation [1] - As of the end of April, CITIC Bank Wenzhou Branch has provided credit services to nearly 200 technology enterprises, with a loan balance exceeding 5.5 billion yuan [1] - The bank has established partnerships with nearly 120 specialized "little giant" enterprises and specialized small and medium-sized enterprises, with a loan balance exceeding 2.7 billion yuan, adding over 1 billion yuan since the beginning of the year [1] Group 2 - CITIC Bank has launched six specialized financial products tailored to the different growth stages of technology enterprises, providing comprehensive financial support from "technological breakthroughs" to "mass production" [2] - The bank is transitioning from a "credit intermediary" to a "service intermediary" that offers comprehensive financial services, including commercial banking and investment banking [2] - CITIC Bank Wenzhou Branch aims to leverage the resources of CITIC Group to foster deep integration between technology and finance, promoting innovation through financial support [3]