21世纪经济报道记者张欣 11月22日，为凝聚行业智慧、探寻发展新路径，由南方财经全媒体集团指导、21世纪经济报道主办 的"第二十届21世纪金融年会"在北京盛大召开。 在"主题论坛一：金融助力高水平科技自立自强"上，光大银行公司金融部副总经理辛锋表示，该行将科 技金融视为服务国家高水平科技自立自强战略的重要抓手，也是全行战略规划的重要增长极。"我们的 目标不仅是提供融资，更核心的是构建与科技创新'同频共振'的金融服务生态，推动'科技—产业—金 融'形成良性循环。" 针对科技型企业"高成长、高风险、轻资产"的特性带来的金融服务挑战，辛锋介绍，光大银行于今年年 初制定新一版科技金融工作方案，推出"阳光科创"特色品牌，并构建起以"强服务、强产品、强生态、 强行研、强数智"为核心的"五强"支撑体系，探索适配科技企业需求的服务路径。 在服务体系搭建上，辛锋表示，光大银行已形成"1+16+100"的总分支一体化科技金融专营组织架 构。"在总行成立了科技金融中心，在16家科技资源禀赋突出的重点分行设立科创金融中心，并计划优 选100家左右的科技金融特色支行，作为我们服务科技型企业的重要基础。"据辛锋介绍，截至目前，16 家 ...

（原标题：对话上海银行郑涵：商业银行须自我革命，从放贷者转向赋能者） 21世纪经济报道：上海银行如何通过转型发展，破解这一金融支持科创企业瓶颈的？ 郑涵：传统信贷逻辑与科创企业的需求之间存在天然的"供需错配"。要破解"死亡谷"困境，商业银行必 须进行自我革命，重塑内在逻辑，从"放贷者"转向"赋能者"。上海银行聚焦于推动"两个重塑": 一是重塑科创企业风险评价逻辑。投资的视角来评价企业核心是"看行业、看技术、看团队、看未来"。 在贷前，形成科技企业专属评价方法；在贷中，我们以投行的思维设计投贷联动的合作方案，股债贷保 租多方联动、全生命周期产品接力匹配；在贷后，我们则以股东的心态参与企业成长，高频触达、管理 赋能、产业助力。 21世纪经济报道记者 曹媛 深圳报道 "传统信贷逻辑与科创企业的需求之间存在天然的'供需错配'。要破解'死亡谷'困境，商业银行必须进行 自我革命，重塑内在逻辑，从'放贷者'转向'赋能者'。"上海银行公司业务部兼普惠业务部总经理郑涵说 道。 作为一家立足上海，辐射全国的城商行，上海银行聚焦打造以"早、小、硬"为特色的科技金融体系。据 上海银行2025年半年报披露，今年上半年科技贷款投放额92 ...

Group 1 - The 23rd "Zhujiang Road No. 35" business salon focused on "Financial Services for High-Quality Development of the Real Economy in Heilongjiang" held on November 3 in Harbin [2] - Hu Hongling, General Manager of Corporate Finance Department of Industrial Bank Harbin Branch, reported that the bank's total assets reached nearly 54 billion yuan and private enterprise loans exceeded 7.2 billion yuan, receiving "excellent" ratings in the People's Bank of China evaluation for two consecutive quarters [2] - The bank aims to support the real economy and high-quality development of private enterprises through three main strategies: stabilizing expectations in urban real estate financing, solving problems in small and micro enterprise financing, and leveraging policy dividends to promote technology transfer [2][3] Group 2 - The bank emphasizes the importance of a stable expectation mechanism in urban real estate financing, actively engaging with "white list" enterprises and enhancing project reserves to create a positive cycle of financing [2] - For small and micro enterprises, the bank plans to deepen cooperation with government, industry associations, guarantee companies, and core enterprises, promoting inclusive financial products through various engagement events [2] - The bank is focused on seizing policy dividends to drive technology transfer, particularly by customizing services for core research projects in the province and utilizing specialized financing products for technology-based small and medium enterprises [3]

Core Viewpoint - China Everbright Bank's Beijing branch actively supports the capital's modernization and economic development through high-quality financial services, focusing on technology innovation, small and micro enterprises, digital finance, green finance, and pension finance [1][17]. Group 1: Technology Finance - Since 2022, the Beijing branch has prioritized supporting "specialized, refined, distinctive, and innovative" enterprises, establishing a comprehensive service system for technology finance [2]. - The branch launched a Technology Finance Center and set up seven specialized branches to ensure effective implementation of policies and services [2]. - By September 2025, the branch had provided "equity subscription rights" services to 56 quality tech enterprises, with about 70% receiving credit support [2]. Group 2: Intellectual Property Financing - The branch introduced a composite guarantee scheme combining credit and intellectual property pledges, successfully executing its first intellectual property pledge loan [3]. - It has developed a product matrix covering the entire lifecycle of enterprises, including private technology enterprise buyback and data asset pledge loans [3]. - The branch collaborates with nearly 30 third-party institutions to form a "technology finance service circle," enhancing financial support for enterprises [3]. Group 3: Green Finance - The Beijing branch views green finance as a key strategy for promoting sustainable development and has focused on clean energy, industrial carbon reduction, urban construction, and transportation [6]. - Since 2024, the branch has issued loans totaling 2.9 billion yuan to support green building material enterprises and urban renewal projects [6]. - The branch has also innovated financial products for major green infrastructure projects, such as the South-to-North Water Diversion Project [7]. Group 4: Inclusive Finance - The branch has established a comprehensive inclusive finance service system to support small and micro enterprises, conducting over 6,200 visits to businesses and providing credit recommendations totaling over 25.2 billion yuan [8][9]. - It launched the "e-payment" product to facilitate financing for upstream suppliers based on accounts receivable, effectively reducing transaction costs [9]. - By the end of Q3, the branch's loans to private enterprises increased by 14.87% compared to the beginning of the year [10]. Group 5: Pension Finance - The branch has developed a "financial + elderly-friendly" service system to address the aging population, issuing 116,000 social security cards and promoting pension plans totaling 66.5 billion yuan [11][12]. - It has established three "pension financial service centers" and implemented seven exclusive services for elderly clients [12]. - The branch has conducted over 11,000 related activities, reaching nearly 430,000 clients, enhancing financial education for the elderly [12]. Group 6: Digital Finance - The Beijing branch is advancing digital finance by focusing on computing power leasing, successfully launching three projects totaling 1.147 billion yuan [16]. - It aims to integrate digital finance with the real economy, optimizing service processes across various sectors [16]. - The branch is enhancing digital services for elderly clients, promoting user-friendly mobile banking features to bridge the digital divide [13][14].

Group 1 - The event themed "Golden Financial Market, Gathering Future" was held in Jinan, focusing on cooperation between government, banks, and enterprises to inject financial vitality into regional economic development [1] - Tianjin Bank Jinan Branch is integrating inclusive finance with national strategies such as "Technology Finance, Green Finance, Inclusive Finance, Pension Finance, and Digital Finance" to enhance financial support for the real economy [3] - The bank has provided comprehensive financial services to over 70 enterprises this year, enhancing financial accessibility and adaptability through a dual empowerment model of "financing + intelligence" [3] Group 2 - The bank promoted innovative products like "Specialized and Innovative Points Loan" and "Investment Linked Loan" to meet enterprises' financing needs throughout their lifecycle [4] - Measures such as "cost reduction, green channels, and customized services" are implemented to lower financing costs for enterprises [4] - The bank utilizes big data technology to optimize credit approval processes, ensuring rapid adaptation of financial services [4] Group 3 - The event effectively linked with the ongoing "1+1+1" government-bank-enterprise connection model, creating a beneficial ecosystem where the government provides a platform, banks offer support, and enterprises benefit [5] - Tianjin Bank Jinan Branch aims to continue its "Finance for the People" philosophy, participating in multi-dimensional linkage mechanisms like "Finance + Technology" and "Finance + Development Reform" to address financing challenges for small and micro enterprises [5] - The bank is committed to contributing financial strength to cultivate new productive forces and promote high-quality regional economic development [5]

Core Viewpoint - The 2025 China International Fair for Trade in Services (CIFTIS) showcased the significant role of financial services in supporting the real economy, with Huaxia Bank highlighting its dual focus on technology and green finance [1][11]. Group 1: Event Overview - The CIFTIS took place from September 10 to 14, 2025, at the Shougang Park in Beijing, attracting numerous financial institutions [1]. - Huaxia Bank's theme was "Huaxia Towards New, Green Future," emphasizing its commitment to technology and green finance [1]. Group 2: Huaxia Bank's Innovations - Huaxia Bank created an interactive "financial playground" at its exhibition booth, featuring engaging technology scenarios to demonstrate its financial capabilities [6][8]. - The bank utilized VR technology to provide immersive experiences related to its support for renewable energy projects, allowing visitors to visualize its contributions to green finance [7]. Group 3: Consumer Engagement - Huaxia Bank introduced a "three-in-one" interactive layout at the fair, combining financial services with consumer discounts and cultural experiences [9]. - The bank's promotional activities included significant discounts for credit card users, enhancing visitor engagement and satisfaction [9]. Group 4: Financial Services Accessibility - As the "main bank" of the venue, Huaxia Bank extended its services throughout the park, ensuring easy access to cash transactions and other banking services for exhibitors and visitors [10]. - The bank also enhanced its online services to provide 24/7 support during peak times, ensuring a seamless experience for all attendees [10]. Group 5: Commitment to Green and Technology Finance - Huaxia Bank reported a green finance balance of 455.5 billion yuan, with green loans growing by 16.8% year-on-year, leading among comparable banks [12]. - The bank aims to support the transformation of the real economy by focusing on technology finance, offering tailored financial products for tech companies [12][13]. - Huaxia Bank's technology loans reached 210.5 billion yuan, reflecting a growth rate of 32.31%, significantly outpacing the overall loan growth [13]. Group 6: Future Outlook - The conclusion of the CIFTIS marks a new beginning for Huaxia Bank in deepening its financial practices, with a focus on enhancing its technology and green finance initiatives [14]. - The bank aims to channel financial resources more effectively into the real economy, supporting industrial upgrades and ecological protection [14].

Group 1 - The 2025 China International Service Trade Fair's financial theme exhibition has commenced at Shougang Park, showcasing a blend of industrial heritage and modern finance [1] - The "Green Future" check-in wall highlights the significance of the "Two Mountains" concept, marking its 20th anniversary, with Huaxia Bank being one of the earliest commercial banks to establish a green finance mechanism [2] - Huaxia Bank aims to deepen its green finance initiatives and enhance its focus on green financial products by 2025 [2] Group 2 - The "Digital Currency Avenue" features a lively atmosphere with various shops offering discounts for Huaxia Bank credit card users, promoting local businesses [2] - The main exhibition area includes immersive experiences in technology finance, with interactive displays showcasing Huaxia Bank's cases in technology and green finance [3] - Huaxia Bank has set a goal to develop a technology finance specialty by improving its professional team, risk control strategies, and exclusive products, while also providing credit resources and loan pricing benefits for technology enterprises [3]

Group 1 - The new productive forces have become the core engine for high-quality economic development in China, with a focus on supporting technology innovation enterprises as a key area for financial institutions [1] - The banking sector is shifting its traditional credit logic to provide targeted financial support for technology innovation, moving towards a more professional and diversified service model [1][3] - Everbright Bank has developed a comprehensive service system for technology innovation industries, achieving a loan balance of 417 billion yuan for technology enterprises, a 9.9% increase from the previous year [1] Group 2 - Beijing is recognized as a core area for financial technology innovation, hosting 115 unicorn companies and leading global research output for eight consecutive years [2] - Everbright Bank's Beijing branch focuses on specialized and innovative customer groups, integrating industry and finance to create a new financial ecosystem for technology innovation [2] Group 3 - The concept of "investment-loan linkage" has emerged to address the challenges faced by technology enterprises in securing financing, as traditional credit models often do not meet their needs [3][4] - Everbright Bank's Beijing branch has implemented various innovative financing solutions, including the first private technology enterprise buyback exit merger business and knowledge property pledge loans [3][4] Group 4 - The "Investment-Loan Link" product, launched by Everbright Bank, assesses enterprises based on six dimensions to facilitate proactive credit granting, addressing the financing difficulties of technology enterprises [5] - By July 6, 2023, the bank had served 22 enterprises with a total credit approval amount of 170 million yuan under this product [5] Group 5 - Everbright Bank's Beijing branch has developed a comprehensive financial service model that combines commercial banking, investment banking, and industrial empowerment to better serve technology enterprises [6] - The bank leverages its full financial license advantages to create a large financial ecosystem, collaborating with various group units to provide a wide range of financial services [6] Group 6 - Under this mechanism, companies like Tai Rui Shuchuang Technology have successfully secured multiple financing options, demonstrating the effectiveness of the bank's collaborative approach [7] - By June 2025, Everbright Bank had provided equity rights services to 48 specialized and innovative enterprises, with over 70% of these also receiving credit services [7] Group 7 - Everbright Bank's services extend beyond financial support, focusing on enhancing collaboration within the industrial chain to help technology enterprises overcome challenges during their growth phases [8] - The bank collaborates with various industrial sectors within the Everbright Group to address core order challenges for enterprises, creating a unique industrial ecosystem [8] Group 8 - The bank plans to continue enhancing its technology empowerment and ecosystem support to provide high-quality financial services that promote the growth of technology innovation enterprises [9]

Core Viewpoint - Huaxia Bank Hefei Branch has celebrated its 15th anniversary, emphasizing its commitment to serving the national strategy and supporting local economic development through innovative financial services and community engagement [1][2][18]. Group 1: Financial Services and Economic Development - The bank has positioned itself as a key player in supporting the high-quality development of Anhui province, integrating financial services with local economic needs [1][2]. - Over the past 15 years, the bank has focused on innovation, contributing to the establishment of Anhui as a "source of technological innovation" [1][2]. - As of June 2023, the bank reported a general deposit balance of 38.1 billion yuan, a year-on-year increase of 16.43 million yuan, and a total loan balance of 43.658 billion yuan, reflecting robust growth [5]. Group 2: Party Building and Corporate Governance - The bank emphasizes the importance of party leadership and high-quality party building as fundamental to its long-term stability and development [3][4]. - A three-year action plan (2025-2027) has been established to enhance the integration of party building and business operations, aiming for a market share increase of over 1% and significant growth in deposits and loans [4]. Group 3: Community Engagement and Social Responsibility - The bank actively participates in community service initiatives, such as rural revitalization programs and health check-ups for villagers, demonstrating its commitment to social responsibility [5]. - The bank has launched various financial products aimed at supporting rural development and enhancing the livelihoods of local communities [16]. Group 4: Support for Key Industries - Huaxia Bank Hefei Branch has provided significant financial support to the automotive and new energy sectors, with cumulative credit exceeding 7.1 billion yuan for the new energy vehicle manufacturing industry [6][7]. - The bank has also supported the semiconductor industry in Hefei, approving a 1.5 billion yuan loan for a key project, showcasing its role in advancing high-tech manufacturing [7]. Group 5: Innovation in Financial Products - The bank has developed a range of financial products tailored to the needs of small and micro enterprises, including the "Foreign Trade Loan" and "Seed Loan," to enhance access to financing [8][10][15]. - Innovative digital financing solutions have been introduced, such as the "Sunshine New Energy Order Loan," which has successfully provided 142 million yuan in financing to 91 ecological clients [12]. Group 6: Future Outlook - Looking ahead, the bank aims to continue its commitment to supporting the modernization of Anhui, leveraging its strengths in party building, technological innovation, and community service to drive future growth [19].

Core Viewpoint - Zhejiang Province is leveraging technological innovation to shape new development advantages, with CITIC Bank's Hangzhou branch focusing on the financial needs of technology enterprises throughout their lifecycle [1][2]. Group 1: Policy and Financial Support - The People's Bank of China established a re-lending program for technological innovation and transformation, prompting CITIC Bank's Hangzhou branch to form a task force to support eligible projects with green approval channels and preferential interest rates, resulting in a cumulative loan issuance of 3.6 billion yuan by May 2023 [2]. - CITIC Bank has served nearly 8,000 technology enterprises, with a total financing scale of approximately 400 billion yuan, promoting a virtuous cycle of "technology-industry-finance" [2]. Group 2: Service System and Product Innovation - CITIC Bank's Hangzhou branch aims to create a "demonstration zone for technology finance," establishing a "six-special" service mechanism that includes dedicated teams and specialized products, leading to over 30 billion yuan in financing for more than 1,000 hard-tech enterprises in the past three years [3]. - Eight enterprises successfully went public in 2024, with nearly 100 more initiating the listing process [3]. Group 3: Collaborative Ecosystem and Investment - The bank has established the "Juxin Juli" CITIC Technology Innovation Financial Investment Alliance, facilitating deep cooperation with Zhejiang Province and launching a 10 billion yuan industrial fund [4]. - In 2024, the bank supported the issuance of technology innovation notes amounting to 3.59 billion yuan, a year-on-year increase of 412.86%, and assisted eight technology companies in completing convertible bond financing [4]. Group 4: Open Ecosystem and Future Goals - CITIC Bank is building a unique technology finance ecosystem by collaborating with government agencies, research institutions, and investment organizations, exemplified by a nearly 10 million yuan loan to a research transformation enterprise [5]. - The bank aims to achieve a technology finance loan balance exceeding 100 billion yuan and serve over 12,000 technology enterprises within five years [5].