新华财经天津7月9日电 记者9日从天津市银行业重点合作投资机构参考清单2025发布会上获悉，天津银 行业基于重点合作投资机构参考清单（简称"投资机构清单"），积极探索多元化银投合作。截至今年6 月末，在津银行机构通过投贷联动模式累计发放贷款27.3亿元。 自去年初天津市银行业重点合作投资机构参考清单首次发布以来，天津在促进银投机构联动创新、支持 初创期科技型企业方面取得了良好成效。据统计，9家银行基于清单开展了投融资撮合、投联贷产品研 发等拓展创新，创设推出了"投联贷""新兴产业赋能贷""浦投贷""天津科创贷"等多款投贷联动产品。 今年5月，天津金融监管局等六部门联合印发《建立"科技—产业—金融"新循环长效机制工作方案》， 引领推动在津金融机构深化构建"科产融"良性循环。方案提出拓展"投资机构清单"，支持天津市银行业 协会与天津市基金业协会深化合作，在更大区域范围内遴选更新优质投资机构名单。 此次新发布的清单包含20家在京津冀三地注册并在中国证券投资基金业协会登记的基金管理人。银行机 构可在依法合规、风险可控基础上，与清单内机构在信息共享、项目推介、产品创新等方面深化合作， 通过"贷款+外部直投"、并购贷款、 ...

"华夏银行北京分行的贷款十分及时，这让我们的发展按下了 '加速键'。"近期，北京某智能科技有限公 司刚刚获得了一笔来自于华夏银行北京分行为企业量身定制的3亿元信用贷款授信额度，在这笔资金助 力下，企业成功与浙江省某实验室签订大额订单。 据了解，上述北京某智能科技有限公司专注于高性能GPU芯片设计。而该企业此前为突破技术壁垒、扩 大生产规模，急需3亿元流动资金，用于原材料采购、技术研发与市场拓展。企业发展也因此再上一 层。而这笔贷款的背后，是华夏银行北京分行持续深化科技金融服务体系建设的结果。 该企业是华夏银行北京分行用科技赋能金融的缩影。据了解，华夏银行北京分行通过科技创新助力银行 业务数字化转型，已经摸索出了一套科技赋能金融、以"数智"创"优质"的支持新质生产力的组合打法， 用科技金融支持首都重点领域发展，这已成为华夏银行北京分行的业务亮点和发展特色。 创新为引 科技金融贷款业务成为系统内排头兵 科创企业融资对于传统银行业务来说，并非最优质的客户。他们可能会经历从研发转换成商品的"死亡 之谷"，也曾因轻资产、知识产权无法确认等因素，面临融资难窘境。若想真正服务好这些科创企业， 银行必须升级自身科技能力，用科 ...

Core Viewpoint - The Jinan Branch of Industrial Bank is enhancing its "Inclusive Finance" initiatives by strengthening services for small and micro enterprises, technology innovation companies, and rural revitalization, thereby expanding financial service supply and improving service quality for small and micro enterprises [1][2] Group 1: Support for Small and Micro Enterprises - The Jinan Branch has increased its inclusive credit support, with the balance of inclusive loans for small micro enterprises in Rizhao City reaching 924 million yuan by the end of 2024, an increase of 127 million yuan since the beginning of the year [1] - The bank is accelerating its digital transformation by enriching online financing product offerings, upgrading online systems, and optimizing business processes to provide efficient digital financial services to small and micro enterprises and individual businesses [1] Group 2: Support for Technology Innovation Sector - The Jinan Branch focuses on providing credit support to the technology innovation sector and high-tech enterprises, launching innovative products and optimizing review processes to enhance approval and disbursement efficiency [2] - The bank has introduced a range of products such as "Investment Linked Loan," "Talent Loan," "Technology Innovation Loan," and "Intellectual Property Pledge Financing" to meet the diverse financing needs of innovative small and medium-sized enterprises [2] - A "technology flow" credit control model has been established for technology innovation enterprises, which emphasizes the company's technological capabilities and future development potential rather than solely financial metrics [2] Group 3: Cost Reduction for Small and Micro Enterprises - The Jinan Branch is implementing policies to reduce financing costs for small and micro enterprises, including preferential interest rates on inclusive loans and training on cost reduction measures [2] - The bank is committed to establishing a long-term mechanism for regular self-inspection to protect the rights and interests of small micro enterprise clients [2]

Core Viewpoint - The Guangdong province is promoting intellectual property (IP) pledge financing products to support innovation-driven enterprises, particularly in Shenzhen, by providing various loan options tailored to the characteristics of light-asset, knowledge-intensive companies [2][4]. Group 1: Financing Products Overview - Shenzhen's regulatory bodies have released a list of over 50 IP pledge financing products from 32 banks, including types such as Sci-Tech loans, IP pledge loans, and R&D loans [2]. - The financing tools are designed to meet the needs of innovation-driven enterprises for unsecured financing and interest subsidies, with most products allowing for online pledge registration [2][4]. - Loan amounts typically range from 5 million to 30 million yuan, with some reaching up to 200 million yuan, and loan terms generally span 1 to 3 years, with a preference for 1-year terms [2][3]. Group 2: Loan Terms and Conditions - Most banks offer monthly interest payments with principal repayment at maturity, while some city commercial banks provide flexible repayment options for loans under one year [3]. - Interest rates are primarily based on the Loan Prime Rate (LPR), with actual annual rates concentrated in the 3%-5% range, and some banks offering a 20 basis point reduction from the LPR [2][3]. - Specific banks, such as Minsheng Bank and Huaxia Bank, have tailored products for high-growth tech companies, with loan amounts up to 200 million yuan and interest rates between 3%-5% [3]. Group 3: Market Impact and Future Outlook - In 2024, Shenzhen's IP pledge financing registration amount is projected to reach 50.421 billion yuan, maintaining the highest registration amount in the province for five consecutive years [4]. - The initiative aims to enhance the valuation of intellectual property, traditionally seen as difficult to appraise, thereby facilitating its use as collateral for financing [4]. - The regulatory bodies encourage innovation entities to utilize the product list to select suitable financial products, aiming to improve the quality of development and accelerate the transformation of IP achievements into practical applications [4].

以下文章来源于RimeData 来觅数据 ，作者来觅研究院 科技金融是金融"五篇大文章"之首，主要内容是统筹运用股权、债权、保险等手段为科技型企业提供全链条、全生命周期金融服务，加强对国家重大科技 任务和科技型中小企业的金融支持，并着力投早、投小、投长期、投硬科技，助力实现高水平科技自立自强和建设科技强国。 导读： 2025年3月，国务院办公厅发布《关于做好金融"五篇大文章"的指导意见》，明确提出到2027年，科技金融、绿色金融、普惠金 融、养老金融、数字金融"五篇大文章"取得显著成效。其中，科技金融作为金融"五篇大文章"之首，是推动科技创新、培育新质生产力的关 键支撑。当前我国正加速构建与高水平科技自立自强相适应的金融体系，通过完善资本市场功能、创新金融工具等方式，引导更多资源投 向科技创新领域。科技金融经历了哪些发展阶段？银行业与股权投资如何助力科技金融？未来如何发展？本文尝试分析和探讨 。 01 科技金融演进历程 在全球科技竞争日益激烈的背景下，加快构建与高水平科技自立自强目标相适应的科技金融体制，已成为我国实现经济高质量发展和提升国家核心竞争力 的重要选择。大力发展科技金融，有助于解决科技创新过程中面 ...

科技金融加速发展，股权投资助力高水平科技自立自强 2025-06-13 科技金融加速发展，股权投资助力高水平科技自立自 强 原创 来觅研究院 RimeData 来觅数据 撰稿 梁秋兰 2025-06-13 导读：2025 年 3 月，国务院办公厅发布《关于做好金融"五篇大文章"的指导意见》，明确提出到 2027 年，科技金融、绿色金融、普惠金融、养老金融、数字金融"五篇大文章"取得显著成效。其中，科技金 融作为金融"五篇大文章"之首，是推动科技创新、培育新质生产力的关键支撑。当前我国正加速构建与 高水平科技自立自强相适应的金融体系，通过完善资本市场功能、创新金融工具等方式，引导更多资源投 向科技创新领域。科技金融经历了哪些发展阶段？银行业与股权投资如何助力科技金融？未来如何发展？ 本文尝试分析和探讨。 科技金融演进历程 科技金融是金融"五篇大文章"之首，主要内容是统筹运用股权、债权、保险等手段为科技型企业提供全 链条、全生命周期金融服务，加强对国家重大科技任务和科技型中小企业的金融支持，并着力投早、投 小、投长期、投硬科技，助力实现高水平科技自立自强和建设科技强国。在全球科技竞争日益激烈的背景 下，加快构建与 ...

近年来，园区正在由横向发展转向纵向发展，更强调产业链配套和公共基础功能配套，这有助于银行打 通上下游产业链，真正实现高质量发展。 ● 本报记者 李静 在百级洁净区，身着无尘服的操作员在黄光下忙碌，产线发出轻微蜂鸣声，刚生产出来的电子元器件正 被真空吸笔转移，它将成为新能源汽车的"神经末梢"，用来捕捉电池仓的微小震颤。 这一工业图景曾经被科技企业面临的典型成长困境所笼罩：从实验室里的技术突围，到产业化路上的资 金瓶颈，创新链条上的每一环都在渴求金融活水的滋养。科技企业需要资金，更需要金融机构的深 随着技术和产品逐渐成熟，奥松电子迎来发展的转折点。然而，设备采购已经耗去大部分资金，厂房建 设出现资金缺口。在这个关键时刻，兴业银行向奥松电子伸出援手，一段长达8年的银企合作就此拉开 帷幕。 2017年，兴业银行广州分行通过"投联贷"创新金融模式，为奥松电子提供了2730万元的厂房按揭贷款支 持。此后，兴业银行始终与奥松电子并肩前行，提供了涵盖项目贷款、流动资金贷款、贸易金融等多种 产品的综合金融服务，有效满足企业短、中、长期各类金融需求，授信规模最高达6000万元。 如今，奥松电子正在重庆建设新的生产基地。张宾表示， ...

三十载，砥砺前行、耕耘不辍。华夏银行南京分行积极践行金融工作的政治性、人民性，在总行引领下不断深化战略布 局，坚持"以人民为中心"价值取向，紧扣江苏发展主线，锚定"五篇大文章"向"新"求"质"，在10.72万平方公里的江苏大 地上深烙"华夏印记"。 三十载，励"金"图治、行棋谋远。华夏银行南京分行精工细绘"强富美高"新江苏画卷，目前拥有9家二级分行、63家营业 机构，系统内率先实现设区市机构全覆盖，总资产2200亿元、存款规模超1800亿元、贷款规模超2000亿元。 三十载，载誉江苏、"新"领未来。以自身高质量发展助力金融强国建设，在推进中国式现代化中彰显责任担当。华夏银 行南京分行先后获评"全国五一劳动奖状""全国精神文明建设先进单位""全国金融系统文明建设先进单位"，连续多年被 评为"江苏省文明单位"，荣膺南京市"助推引领性国家创新型城市建设有功单位"，连续两年获评南京市"绿色金融示范团 队"。 1995年6月6日，金陵沃土上，一朵"金融之花"悄然绽放。作为总行设立的首家外埠分行，华夏银行南 京分行应运而生，成为最早进入江苏的股份制商业银行之一。 培根铸魂 初心如磐 ——砥砺奋进"华夏新征程" "圆满实现 ...

Core Viewpoint - The article emphasizes the role of Postal Savings Bank of China (PSBC) in supporting the coordinated development of the Beijing-Tianjin-Hebei region, focusing on financial services that align with urban planning and regional strategies [1][13]. Group 1: Financial Support for Urban Development - PSBC Beijing Branch has strategically relocated to the core area of the urban sub-center to better align with regional development goals and enhance financial services [3][5]. - The establishment of the G20 Young Entrepreneurs Alliance International Salon at PSBC Beijing Branch signifies its commitment to fostering international business exchanges and enhancing Beijing's global image [4]. - The bank has introduced innovative financial products and services to support local industries, such as the "Cherry Loan" for farmers in Xijicun, which has improved financing access and sales for local agricultural products [6][7]. Group 2: Technology and Innovation - PSBC is actively involved in promoting technology-driven projects, such as the establishment of the Softcom AI Research Institute, which aims to enhance the digital economy in the region [5][9]. - The bank focuses on providing tailored financial solutions for technology enterprises, including various loan products designed for different stages of business growth [9][10]. Group 3: Collaborative Ecosystem - PSBC is enhancing collaboration with government and enterprises to create a robust ecosystem that supports innovation and economic development in the region [11][12]. - The bank has established a "three-bank linkage" mechanism with branches in Tianjin and Hebei to facilitate resource sharing and project collaboration across the region [13][14]. Group 4: Green Finance Initiatives - PSBC is committed to green finance, actively developing products that support low-carbon projects and has been recognized as a "climate-friendly financial institution" [15]. - The bank's initiatives in green finance aim to integrate environmental sustainability with financial services, contributing to the broader goals of carbon neutrality [15]. Group 5: Overall Impact on Regional Development - Over the past three years, PSBC has supported 78 key projects in the Beijing-Tianjin-Hebei region, providing over 60 billion yuan in loans, significantly contributing to infrastructure and social welfare improvements [14]. - The bank's efforts are aimed at making the Beijing-Tianjin-Hebei region a model for high-quality development and a pioneer in modern Chinese construction [1][16].

Core Viewpoint - The article emphasizes the importance of industrial parks in driving high-quality economic development and the construction of a modern industrial system, highlighting the proactive role of commercial banks, particularly Industrial Bank, in developing park financial services as a new growth point for their business [1][3]. Group 1: Industrial Park Financial Services - Industrial Bank has established park finance as a key strategic area since 2022, focusing on the integration of industry and finance, and has seen significant growth in its customer base, reaching 466,000 clients by the end of last year [1][4]. - The bank's technology loan balance surpassed 1 trillion yuan by the end of Q1 this year, indicating a strong focus on technology finance within industrial parks [1][3]. Group 2: Strategic Development and Product Offerings - In 2023, the Central Financial Work Conference prioritized technology finance, further clarifying the direction for developing technology finance through industrial parks [3]. - Industrial Bank launched the "Park Ecological Service Platform" and "Xing Su Loan" products, enhancing its service offerings and entering a growth phase for park finance [3][4]. Group 3: Non-Financial Services and Ecosystem Building - The bank is leveraging a non-financial service platform to create a comprehensive ecosystem that integrates financial and non-financial services, aiming to enhance digital governance for park operators [6][8]. - By the end of 2024, the bank has delivered over 600 park ecological service platforms, facilitating customer acquisition and financing [7]. Group 4: Case Studies and Client Support - Industrial Bank has successfully supported early-stage companies like Aosong Electronics and Dingjia Technology, providing significant loans to help them overcome initial financial challenges [10][11]. - The bank's collaboration with the Tianan Cloud Valley Industrial Park in Shenzhen has resulted in nearly 2 billion yuan in financing, showcasing its commitment to supporting local enterprises [12].