Core Viewpoint - Shanghai's banking sector is continuously innovating its special credit products to better meet the financing needs of technology enterprises, with a focus on intellectual property pledge financing and supportive policies to maximize patent resource value [1][2]. Group 1: Financing Innovations - Shanghai has introduced various special credit products such as "Science and Technology Innovation Assistance Loan" and "New Quality Loan" to address the financing challenges faced by technology companies [1]. - The city has seen a significant increase in intellectual property pledge financing, with 2,223 registrations and a total scale of 32 billion yuan in 2024, representing year-on-year growth of 62.3% and 40.6% respectively [1]. Group 2: Ecosystem Development - The Shanghai Zhujiao High-tech Zone has developed into a "billion-yuan park," generating over 10 billion yuan in fiscal revenue for three consecutive years, and is home to numerous industry leaders and a vibrant knowledge innovation community [1][2]. - The Zhujiao High-tech Zone has established a comprehensive support system for technology finance, including a "platform + service + ecosystem" model, which has facilitated over 3 billion yuan in credit financing and 30 billion yuan in equity financing for enterprises [2]. Group 3: Financial Advisory and Support - The establishment of a financial advisory system covering all 16 districts in Shanghai aims to provide precise financial service recommendations to enterprises through high-level expert advisors [3]. - Financial advisors from various institutions are engaging with technology enterprises to offer tailored advice on credit loans and risk management strategies, enhancing the financial support for early-stage technology companies [3].

Core Insights - China Bank's Zhejiang branch focuses on nurturing new productive forces by investing in early-stage, small, long-term, and hard technology projects to support technological innovation with financial resources [1] Group 1: Financial Support for Technology Companies - China Bank's Hangzhou branch provided 45 million yuan in pure credit to five companies under Xingyao Holding Group, a leading domestic unmanned helicopter manufacturer, to support its technological innovation and global strategy [2] - Xingyao Holding Group has a smart manufacturing base of 330,000 square meters and an annual production capacity of 1,800 units, with over 320 core invention patents and 400 software copyrights [2] - The bank's quick response allowed for approval and disbursement within one day, significantly accelerating the R&D process for Xingyao Group's next-generation unmanned helicopters, which are set to achieve international leading levels in key performance indicators [3] Group 2: Support for Integrated Circuit Industry - A technology company in Jinhua, Zhejiang, specializing in memory chip design and AI computing solutions, has been recognized as a national high-tech enterprise and a "little giant" enterprise by the Ministry of Industry and Information Technology [4] - China Bank's Jinhua branch has been a financial partner since 2021, providing 8 million yuan in credit support to help the company expand its chip production capacity and accelerate technological iteration [4] - As the company prepares for an IPO in 2025, China Bank is developing a comprehensive financial plan to support its funding needs, including 100 million yuan in credit support for R&D and operational stability [5] Group 3: Overall Impact on the Industry - The technology company has become a significant player in the domestic memory chip design sector, contributing to the high-quality development of Zhejiang's integrated circuit industry [6]

Core Insights - China Bank's Zhejiang branch is focusing on cultivating new quality productivity by investing in early-stage, small, long-term, and hard technology projects to support technological innovation with precise financial services [1] Group 1: Financial Support for Technology Companies - China Bank's Hangzhou branch provided a total of 45 million yuan in pure credit loans to five companies under Xingyao Holding Group, a leading domestic unmanned helicopter manufacturer, to support their technological innovation and global strategy [2] - Xingyao Holding Group has a smart manufacturing base of 330,000 square meters and an annual production capacity of 1,800 units, with over 320 core invention patents and 400 software copyrights [2] - The bank's rapid response allowed for the completion of credit approval and disbursement within one day, demonstrating its commitment to serving technology enterprises efficiently [3] Group 2: Support for Integrated Circuit Industry - A technology company in Jinhua, specializing in memory chip design and AI computing solutions, has been recognized as a national high-tech enterprise and a "little giant" in the integrated circuit sector [4] - China Bank's Jinhua branch has been a financial partner since the company's establishment in 2021, providing tailored financial solutions to support its growth [4] - As the company prepares for an IPO in 2025, China Bank is offering comprehensive financial services, including 100 million yuan in credit support to ensure stable operations and R&D investment [5][6] Group 3: Future Outlook - China Bank's Zhejiang branch aims to continue deepening its technological financial innovations to provide precise, multi-layered, and full-cycle financial services for more technology enterprises, contributing to high-quality economic development in Zhejiang and the modernization of China [6]

企业创新税收指数在企业间形成"创新引领发展"的鲜明导向。图为火炬高新区企业强力巨彩生产车间。 (资料图) 10月24日，厦门火炬高新区管委会联合厦门火炬高新区税务局发布2024年度"企业创新税收指数"。现场 同步展示火炬高新区参评创新企业概况、企业创新要素投入情况，以及行业得分分布图和园区得分热力 图，并为指数排名靠前的企业颁奖，激励企业向"新"前行。 数据显示，2024年参与"企业创新税收指数"评价的火炬高新区创新企业达2380户，同比增长5.82%，创 新主体规模扩大；全部参评企业营业收入同比增长9.45%，利润总额同比增长34.26%；获得科技金融支 持的创新企业209户，2024年营业收入同比增长8.38%，利润总额同比增长20.24%。数据表明，企业生 产经营活力持续增强，创新内生动力得到有效激发。 同样受益于"企业创新税收指数"的还有笃正新能源。公司副总经理王银平介绍说，近年来公司海外业务 快速拓展，资金需求量较大。今年8月，公司凭借2023年度指数全市新能源产业单项排行榜前列的优 势，成功向建行申请5000万元免抵押、纯信用的"新质贷"贷款。"这笔贷款如同'及时雨'，为公司生产经 营提供了强有力 ...

Group 1 - The China Banking Association is exploring financial support measures for technology-oriented small and micro enterprises in Zhejiang [1] - Technology-oriented small and micro enterprises face challenges such as insufficient credit limits and high financing costs due to a lack of traditional collateral [1] - Zhejiang banks are implementing special financing plans that leverage intellectual property as collateral, moving away from traditional asset-based lending [1] Group 2 - As of the end of September, the balance of inclusive loans for small and micro enterprises in Zhejiang reached 5.76 trillion yuan, with a financing coverage rate of 40% for active small and micro entities [1] - The China Export-Import Bank's Zhejiang branch has provided 100 million yuan in intellectual property pledge loans to companies like Zhejiang Deshman Technology [1] - The China Bank of Zhejiang Province has developed a self-research evaluation tool to assess the potential of technology enterprises based on various "soft power" indicators [1] Group 3 - The "New Quality Loan" product from the China Bank of Zhejiang Province has supported over 1,500 technology-oriented small and micro enterprises with approximately 11.8 billion yuan in credit [2] - Zhejiang Merchants Bank has introduced targeted credit products such as "Talent Loan" and "Innovation Loan" to address financing difficulties during the R&D phase [2] - The shift in financial services from traditional metrics to evaluating industry potential reflects a change in risk perception and operational capability among banks [2]

Core Insights - The article discusses the financial support for technology-based small and micro enterprises in Zhejiang, highlighting the challenges they face in financing and the innovative solutions being implemented by banks to address these issues [1][2]. Group 1: Financial Challenges and Solutions - Technology-based small and micro enterprises often struggle with financing due to a lack of traditional collateral, leading to insufficient credit limits and high financing costs [1]. - Zhejiang banks have introduced specialized financing schemes that leverage intellectual property as collateral, moving away from the traditional focus on fixed assets [1]. - An example is provided where Zhejiang Deshman Technology Co., Ltd. secured a 100 million yuan intellectual property pledge loan using three core patents [1]. Group 2: Loan Support and Assessment Tools - As of September 2023, the balance of inclusive loans for small and micro enterprises in Zhejiang reached 5.76 trillion yuan, with a financing coverage rate of 40% for active small micro entities [1]. - China Bank's Zhejiang branch has developed a self-researched assessment tool to evaluate technology enterprises based on soft power indicators, including technology qualifications and patent achievements [2]. - The "New Quality Loan" product from China Bank has provided credit support of approximately 11.8 billion yuan to over 1,500 technology-based small and micro enterprises in the province [2]. Group 3: Innovative Financial Products - Zheshang Bank has launched targeted credit products such as "Talent Loan" and "Innovation Loan" to address financing difficulties during the research and development phase [4]. - By the end of September 2023, these credit products had disbursed nearly 4 billion yuan in loans [4]. - The shift in financial services from focusing on financial statements to evaluating industry potential reflects a broader change in risk assessment and operational capabilities within banks [4].

Core Insights - Xiamen Branch of Industrial Bank focuses on technology finance, enhancing a comprehensive service system for technology enterprises, with a loan balance exceeding 20 billion yuan and serving nearly 2,000 tech companies [1][2] - The branch has established a flexible special team mechanism and introduced innovative services like "financial commissioners" to provide integrated support for enterprises [1] - The bank has launched customized products aligned with Xiamen's modern industrial layout, utilizing a "technology flow" credit evaluation system that assesses innovation factors beyond traditional financial metrics [1][2] Financial Products and Innovations - Under the "1+4+N" technology finance product framework, the bank has introduced specialized products such as "New Quality Loan," "R&D Loan," and "Science Credit Loan," effectively supporting strategic emerging industries like renewable energy and biomedicine [2] - The bank has successfully executed several milestone loans, including the first technical transformation fund loan and the first carbon benefit-linked loan in Xiamen [2] - Collaborations with government departments, universities, and research institutions have led to significant funding initiatives, including over 2 billion yuan in "Technology Credit Loans" and 10 billion yuan in credit enhancement fund loans [2]

Group 1 - The core viewpoint of the news is the successful implementation of the first "Longjiang Green Carbon Pledge Loan" project in Heilongjiang Province, facilitated by Harbin Bank and various government departments, aimed at promoting green finance and carbon asset utilization [1][2] - Harbin Bank has launched multiple green financial products, including "New Quality Loan," "Sustainable Development Linked Loan," and "Carbon Emission Rights Pledge Loan," reflecting its commitment to green development [2] - The bank's green loan balance reached nearly 18 billion yuan by June 2025, with an increase of over 6 billion yuan since the beginning of the year, ranking first among 21 banking institutions in the province for new issuance [2] Group 2 - Harbin Bank plans to leverage the "Longjiang Green Carbon" project to deepen cooperation with government and enterprises in various sectors, including carbon finance, forest economy, and ecological tourism, aiming to create economic and social benefits [3] - The bank's initiatives are expected to enhance the ecological product value realization pathways in Heilongjiang Province, contributing to the region's green economic development [3]

Core Insights - Harbin Bank successfully launched the first "Longjiang Green Carbon Pledge Loan" project in Heilongjiang Province, providing a credit of 10 million yuan to Mudanjiang Xiangshui Agricultural Co., Ltd. This initiative aims to facilitate the conversion of ecological resource value in the province [1] Group 1: Project Implementation - The project was guided by the People's Bank of China Heilongjiang Branch and other government departments, showcasing a collaborative effort across multiple departments within Harbin Bank [1] - The loan was secured against carbon sink assets, with the bank designing a comprehensive financial service plan based on the enterprise's industry, operational characteristics, and credit status [1] Group 2: Green Finance Strategy - Harbin Bank has been actively implementing a green development strategy, launching various financial products such as "New Quality Loans" and "Carbon Emission Rights Pledge Loans" [2] - The bank's green loan balance reached nearly 18 billion yuan by June 2025, with an increase of over 6 billion yuan since the beginning of the year, ranking first among 21 banks in the province for new issuance [2] Group 3: Future Plans - The bank plans to leverage the "Longjiang Green Carbon" project to deepen cooperation with government and enterprises in areas such as carbon finance, forest economy, and ecological tourism, aiming to create diverse economic and social benefits [6]

在实践中，小微企业融资难，主要难在缺信用、缺信息，导致金融机构不敢贷、不愿贷。为让小微企业 融资更加精准，多地积极搭建银企对接桥梁，减少银企之间的信息堵点。在四川成都市，新都区政务服 务管理和行政审批局积极搭建银企对接桥梁，推动政策性金融产品"新质贷"惠及更多小微企业。成都市 穆尔西仪表科技有限公司董事长陈克荣表示，银行综合评估企业的经营流水等信息数据后，为企业授信 811万元"新质贷"贷款，企业将这笔贷款用于技术创新，力争今年产值突破5000万元。 近日，多地金融监管部门发布通知，围绕助企帮扶打出了一套政策"组合拳"，进一步疏通小微企业融资 的堵点和卡点，持续支持小微企业融资协调工作机制落地见效。去年以来，湖北金融监管局联合多部门 积极行动，统筹解决小微企业"融资难"和银行"放贷难"的问题。浙江金融监管局组织金融机构加大走访 对接力度，推动机制落地见效，截至今年3月末，已组织走访企业318万家，63万家企业获得授信支持， 累计放贷1.7万亿元。 更多小微企业获得贷款支持。国家金融监督管理总局普惠金融司司长蒋平表示，截至2025年2月末，全 国普惠型小微企业贷款余额33.9万亿元，同比增速12.6%，较各项贷 ...