科技是第一生产力。"十五五"规划建议将"科技自立自强水平大幅提高"作为目标单列，同时明确提 出"健全同科技创新相适应的科技金融体制"。站在新的发展起点，实现科技与金融的有效协同，对推动 新质生产力，实现高质量发展具有重要意义。 浙江位居长三角枢纽，毗邻沿海开放前沿，是通联国内外市场的战略门户。在这片坐拥地域优势、经济 优势、制度优势的沃土上，民营经济与科创企业正如火如荼地成长。从辖内杭州与嘉兴获批成为科创金 融改革试验区，到"六小龙"引爆市场，无一不体现出这片创新热土中的蓬勃生机。 作为现代化经济体系的血液循环系统、信用基石与资源配置中枢，银行业在发展"科技金融"的过程中发 挥着主力军的作用。近期，中国银行业协会组织的"加快培育新质生产力 促进经济高质量发展"主题成 果媒体调研行走进浙江，在政府部门、监管机构、银行内部、企业一线中触碰科创金融的温度，实地感 受"投早、投小、投长期、投硬科技"的浙银样板。 从"看报表"到"看未来"后的产品重构 2023年10月召开的中央金融工作会议提出的金融"五篇大文章"，勾勒出中国金融未来发展的重点方向与 价值取向。其中，"科技金融"在金融"五篇大文章"中位列首位，其核心在于 ...

据悉，本次优秀案例征集活动由浙江省金融业发展促进会于今年8月启动，旨在贯彻落实关于金融工作 的决策部署，深化金融高质量发展，聚焦金融服务实体经济，发掘并推广具有创新性与示范性的优秀案 例，扎实推动金融"五篇大文章"走深走实。在诸多案例中，中行浙江省分行因鲜明的创新特质与扎实的 服务成效脱颖而出，充分体现了该行服务国家战略、助推浙江高质量发展的专业能力与责任担当，其在 科技金融领域的探索路径极具示范价值。 创新引领，首创指数赋能精准服务。中行浙江省分行紧密围绕浙江省"415X"先进制造业集群培育 和"315"科创体系建设，于2024年7月揭牌成立科技金融中心。项目核心创新点在于，联合浙江大学首创 发布了浙江省新质生产力产业指数，构建了覆盖全省11个地市、90个县区的指标体系。这一举措开创了 金融机构以指数化工具服务区域产业升级的先河，推动了金融资源精准配置从"经验判断"向"数据驱 动"的转型，实现了对科创产业的精准画像与靶向支持。 生态协同，打造全生命周期服务模式。中行浙江省分行依托全球化、综合化优势，整合政府、高校、产 业协会及投资机构等资源，精心构建"中银科创金融生态圈"。通过"指数引领+生态协同+产品创新 ...

Core Insights - The article emphasizes the commitment of the Bank of China to enhance financial support for technological innovation during the 14th Five-Year Plan period, aiming to foster new momentum and advantages in the economy [1] Group 1: Financial Support for Technology Innovation - As of September 2025, the Bank of China's technology loan balance reached 4.7 trillion yuan, with 166,000 credit accounts established, and a cumulative supply of comprehensive services exceeding 830 billion yuan [1] - The establishment of a multi-level organizational system for technology finance, including a central technology finance center and 317 specialized outlets, aims to respond quickly to market demands [2] Group 2: Focus on Emerging Industries - The Bank of China has launched an action plan to support the development of the artificial intelligence industry chain, collaborating with over 2,300 core enterprises in this sector and providing a credit balance of approximately 410 billion yuan [2] - The introduction of the "bond-loan linkage" model and the "Zhongyin Sci-Tech Computing Loan" service in major innovation hubs like Beijing, Shanghai, and Shenzhen has facilitated connections with 773 supply-demand enterprises in the computing sector [2] Group 3: Product and Service Innovation - The Bank of China has innovated financial products to meet the diverse needs of technology enterprises, achieving multiple market firsts, including the launch of a stock repurchase loan policy and the issuance of 200 billion yuan in technology innovation bonds [3] - The "Innovation Credit Loan" has been developed to assess enterprise credit levels and growth potential, enhancing the credit service experience for small and micro technology enterprises [3] Group 4: Building a Financial Ecosystem - The "Zhongyin Sci-Tech Ecological Partner Program" aims to create a collaborative platform for technology innovation, injecting "patient capital" into the primary market for technology [4] - The establishment of 16 AIC equity investment funds, with a total subscription of 11.76 billion yuan, has facilitated investments in sectors such as commercial aerospace and artificial intelligence [4] - The Bank of China plans to continue enhancing its financial services for technology innovation, utilizing various financial tools to support major national technology tasks and small and medium-sized technology enterprises [4]

Core Viewpoint - Financial institutions must adapt deeply and effectively to drive technological innovation, which is crucial for promoting high-quality economic development in the context of the "14th Five-Year Plan" [1] Group 1: Construction of "Patient Capital" New Paradigm - The cultivation of new productive forces has long cycles and high uncertainty, differing from traditional finance's focus on safety, liquidity, and profitability [2] - To build "patient capital," banks should implement five major transformations: 1. Shift in operational philosophy to become a supportive financial service provider [2] 2. Transformation of product services to cover the entire lifecycle of technology enterprises [2] 3. Change in target clientele to include potential high-tech companies beyond established firms [2] 4. Transition in revenue models towards diversified structures [2] 5. Collaboration shift from isolated efforts to multi-party cooperation [2] Group 2: Internal Mechanism Adjustments - The bank has established a technology finance task force led by the president to strategically position itself in key areas [3] - Key measures include incorporating technology finance credit indicators into the assessment system and creating a supportive environment for lending [3] - Long-term assessment cycles for technology finance business are emphasized to encourage internal motivation [3] Group 3: Innovative Products and Service Ecosystem - The introduction of the "New Quality Loan" product signifies a fundamental shift in evaluation logic, focusing on future potential rather than traditional financial metrics [4] - The bank is exploring innovative products like "Equity Option Loans" to align with the characteristics of technology enterprises [4] - A comprehensive service ecosystem is being developed to support companies throughout their lifecycle, including risk-sharing loans for startups and one-stop financing services for growing firms [4] Group 4: Early Identification of Core Clients - The bank has created a proactive "scout" mechanism to identify future core clients early [5] - Establishing specialized industry teams and technology finance centers in key regions enhances early engagement with potential clients [5] - Collaboration with local government initiatives and industry funds is aimed at building a supportive ecosystem for early-stage technology enterprises [5] Group 5: Risk Management Enhancements - The bank is leveraging technology to enhance risk identification and pricing capabilities through a multi-dimensional assessment approach [6] - The risk management philosophy has evolved from traditional financial analysis to a dynamic evaluation model incorporating technology, industry, and policy factors [6] - The bank aims to integrate various financial services into its development strategy to support the growth of new productive forces [6]

践行"市民银行"定位，普惠金融服务持续升温。数字化产品"钱到家"通过大数据风控赋能小微企业，贷 款平均定价下降0.5个百分点，增速达11.69%；"线上 + 线下"全渠道转型成效显著，服务零售客户超 1508万户，为164万群众提供社保卡服务，老年群体"就近办"等便民举措提升民生获得感。 【新华企业资讯12月2日】聚焦"十五五"规划编制关键节点，扎根黑龙江省的地方性法人银行哈尔滨银 行主动融入地方战略，通过产业升级赋能、乡村振兴深耕、普惠金融延伸三大举措，为龙江全面振兴注 入金融动能。截至目前，哈尔滨银行绿色贷款余额近200亿元，涉农贷款余额265.9亿元，普惠型小微企 业贷款余额超411亿元，多项指标彰显金融服务实效。 立足黑龙江"三基地、一屏障、一高地"战略定位与"4567"现代产业体系建设需求，哈尔滨银行将服务实 体经济作为核心抓手。在制造业转型领域，重点支持高附加值产业链核心企业，持续增加中长期贷款供 给；针对科创企业"轻资产、缺抵押"痛点，创新推出"新质贷"产品，将八大创新要素纳入授信评价，已 投放1.15亿元激活无形资产融资价值。绿色金融领域成效显著，通过推广可持续发展挂钩贷款等工具， 落地全国首 ...

Core Viewpoint - The article emphasizes the strategic initiatives of Harbin Bank in alignment with the "14th Five-Year Plan" of Heilongjiang Province, focusing on supporting the real economy, rural revitalization, and green finance to foster high-quality development. Group 1: Economic Development and Industry Support - Harbin Bank prioritizes serving the real economy, increasing credit support for key sectors as outlined in the provincial plan, particularly in manufacturing upgrades [1] - The bank aims to enhance the supply of medium to long-term loans to high-value enterprises in the manufacturing sector, facilitating structural optimization [1] Group 2: Innovation in Technology Financing - The bank addresses the financing challenges faced by tech enterprises by innovating financial products and mechanisms, including the launch of the "New Quality Loan" [2] - As of now, the "New Quality Loan" has a disbursement amount of 115 million yuan, utilizing a scoring card system to evaluate innovation capabilities [2] Group 3: Green Finance Initiatives - Harbin Bank integrates green principles into its operations, establishing a comprehensive green finance service system and promoting sustainable development-linked loans [3] - The bank's green loan balance is nearly 20 billion yuan, contributing to a carbon reduction of 69,000 tons annually in Heilongjiang Province [3] Group 4: Rural Revitalization Efforts - The bank plays a crucial role in rural revitalization, offering a range of financial products tailored to agricultural needs, with a total agricultural loan balance of 26.59 billion yuan [4] - Innovative products like the "Agricultural Property Financing Loan" and "Black Soil Quality Products Loan" have been introduced to support agricultural development [4] Group 5: Inclusive Finance and Social Welfare - Harbin Bank focuses on inclusive finance, enhancing services for small and micro enterprises, with a loan balance of 41.187 billion yuan and a growth rate of 11.69% [5] - The bank has developed a digital product "Money to Home" to streamline lending processes for small businesses [5] Group 6: Retail Financial Services - The bank is transforming its retail financial services through an integrated online and offline approach, serving over 15.08 million retail customers [6] - Specialized services for different demographics, such as the elderly and children, are being enhanced to improve customer satisfaction [6] Group 7: Future Strategic Directions - Moving forward, Harbin Bank aims to continue aligning with national and provincial goals, focusing on breakthroughs in technology finance, green finance, and digital finance to support the modernization of the industrial system [8]

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]

Core Insights - The "Enterprise Innovation Tax Index" has been released for 2024, highlighting a clear direction for innovation-led development among enterprises in Xiamen Torch High-tech Zone [2] - The number of innovative enterprises participating in the index evaluation reached 2,380, a year-on-year increase of 5.82%, indicating an expansion in the scale of innovative entities [2] - The overall revenue of participating enterprises grew by 9.45% year-on-year, while total profits increased by 34.26%, reflecting sustained operational vitality and effective stimulation of innovation [2] Group 1: Index Impact on Enterprises - The index serves as a measurable standard for innovation capabilities, enabling more innovative companies to gain visibility and empowerment [3] - Companies like Yinke Qirui have benefited from the index, receiving significant financial support and recognition as high-tech enterprises, which has bolstered their R&D investments [3] - Duzheng New Energy successfully secured a 50 million yuan loan based on its strong performance in the index, demonstrating the financial backing available to innovative firms [3] Group 2: Financial Support and Risk Management - The index is utilized as a reference for financial institutions in credit approval and rate determination, facilitating the provision of financing support for qualifying enterprises [4] - Eleven banks have launched "New Quality Loans," which are unsecured and credit-based, resulting in 383 enterprises securing 2.832 billion yuan in financing [4] - The introduction of "Innovation Insurance" has provided 281 million yuan in risk coverage for eight enterprises, addressing the challenges of high-risk product transformation [4] Group 3: Growth in New Economy Sectors - The number of enterprises in new economy and new business models has significantly increased, with 1,683 companies participating in the index, primarily in sectors like digital economy and artificial intelligence [5] - R&D expenditure among participating enterprises reached 15.212 billion yuan, a year-on-year increase of 6.4%, with a research intensity of 6.75% [5] - The proportion of self-research reached 90.89%, indicating a strong commitment to independent innovation among enterprises [5] Group 4: Future Directions - The Torch High-tech Zone plans to deepen the application of the index across various scenarios, transforming data resources into innovation capital to support enterprise development [6] - The goal is to create a virtuous cycle of "data empowering innovation - innovation feeding back into the economy," enhancing the innovation drive and vitality of enterprises [6]