"科技之花"绽放，离不开金融活水精心浇灌。如何进一步提升金融服务质效、破解科技企业融资难 题？ 记者近期在安徽、江苏、广东等地调研时发现，在相关政策支持下，越来越多金融机构探索新路 径，源源不断的金融"活水"正涌向创新高地。 着力改善科技企业融资环境 用声纹技术为工业设备量身打造"听诊器"，这是安徽中科昊音智能科技有限公司一直探索的方向。 近年来，公司业务拓展至新能源、钢铁等行业，随着服务场景和研发投入增加，企业研发资金保障愈发 重要。 "今年我们加大与产业链企业合作，把声纹监测融入工业设备研发设计前端，这需要更多研发资金 投入。"公司联合创始人徐泉告诉记者，关键时刻，兴业银行合肥分行通过"共同成长计划"，给企业提 供了2000万元信用贷款，保障了研发资金。 "此次突破离不开中国银行700万元'专利转化贷'的支持。"公司负责人刘旭铭表示，银行并未要求 传统厂房抵押，而是聚焦企业即将产业化的专利技术价值，通过专业评估给予高分评价，最终帮助企业 获得纯信用贷款。 越来越多科创企业的技术"软实力"正变成融资"硬通货"，这背后是银行不断优化放贷流程，以科技 力量推动融资服务实现从被动响应到主动触达的跨越。 "我们为4 ...

新华社北京12月21日电 题：破解科技企业融资痛点金融"活水"涌向创新高地 新华社记者吴雨、任军 "科技之花"绽放，离不开金融活水精心浇灌。如何进一步提升金融服务质效、破解科技企业融资难题？ 记者近期在安徽、江苏、广东等地调研时发现，在相关政策支持下，越来越多金融机构探索新路径，源 源不断的金融"活水"正涌向创新高地。 着力改善科技企业融资环境 用声纹技术为工业设备量身打造"听诊器"，这是安徽中科昊音智能科技有限公司一直探索的方向。近年 来，公司业务拓展至新能源、钢铁等行业，随着服务场景和研发投入增加，企业研发资金保障愈发重 要。 "今年我们加大与产业链企业合作，把声纹监测融入工业设备研发设计前端，这需要更多研发资金投 入。"公司联合创始人徐泉告诉记者，关键时刻，兴业银行合肥分行通过"共同成长计划"，给企业提供 了2000万元信用贷款，保障了研发资金。 徐泉口中的"共同成长计划"，是这两年中国人民银行安徽省分行推出的创新举措，借助"基础贷款合同 +中长期战略合作协议"的模式，促成银企双方形成长期深度合作。截至2025年11月末，该计划已服务企 业超1.5万户，发放贷款超2100亿元。 一直以来，缺少抵押物、难 ...

Core Insights - Jiangsu Financial Regulatory Bureau, in collaboration with the provincial Science and Technology Department and Finance Department, has initiated a special action to expand the first loan support for technology-based enterprises, resulting in 2,556 companies receiving first loans totaling 14.14 billion yuan by the end of September [1][3] Group 1: Special Action Implementation - Jiangsu financial institutions have developed specific implementation plans to achieve the goals of the special action, with banks like Jiangsu Bank, Nanjing Bank, and Agricultural Bank of Jiangsu quickly establishing their action plans [2] - Nanjing Bank has set up reward policies focusing on customer visits, marketing implementation, and comprehensive services [2] - Bank of China Jiangsu Branch has created a "Digital Inclusive" service platform for automatic customer assignment to nearby branches [2] Group 2: Product and Service Optimization - Jiangsu financial institutions are continuously optimizing products and services to ensure that technology-based enterprises with reasonable financing needs can access loans [3] - Industrial and Commercial Bank of China Jiangsu Branch has introduced a "Value Evaluation System" for technology enterprises, facilitating the transition from "no loan" to "first loan" [3] - Nanjing Bank has launched a product for the transformation of scientific and technological achievements, and upgraded its online standardized product "Xin e Technology Enterprise" [3] Group 3: Loan Growth Metrics - By the end of September, the loan balance for technology-based enterprises in Jiangsu reached 27.7 trillion yuan, reflecting a growth of 16.17% since the beginning of the year, which is 7.33 percentage points higher than the overall loan growth rate [3]