近日，浙江省科技厅等九部门联合印发《浙江省科技金融赋能创新浙江建设 因地制宜发展新质生产力行动方案》（下称《行动 方案》），明确以"投资于物"和"投资于人"相结合为原则，加快构建全生命周期、全链条的科技金融服务体系，为创新浙江建 设注入金融动能。 该管理人进一步指出，从政策设计来看，《行动方案》的核心亮点在于全生命周期赋能。针对科技企业从种子期、成长期到成 熟期的不同需求，构建了"基金+信贷+债券+保险+担保"的多层次金融服务体系。比如，延长政府投资基金存续期至20年，匹配 科技研发的长周期特性；创新"概念验证贷""中试贷"等产品，填补了科技企业早期融资的空白，有效破解了"融资难、融资贵"的 痛点。 强化科技信贷支持，是另一重要抓手。浙江将推动"平台+高校+企业+产业链"结对合作，对符合条件的科技创新贷款给予贴息支 持；动态更新科技型企业无贷户清单，创新开发"概念验证贷""中试贷"等专属产品，探索"贷款+外部直投"业务模式。银行机构 将单列科技企业信贷规模，实施"四个单独"差异化服务机制，并制定贷款尽职免责清单。 在发挥资本市场支撑作用上，浙江将加快科技企业挂牌上市步伐，建立超1000家上市后备科技型企业培育 ...

Core Viewpoint - Zhejiang province is focusing on building a strong innovation ecosystem in key areas such as artificial intelligence, life health, and new materials and energy, with a significant increase in technology innovation investment planned by 2027 and 2030 [1][2]. Group 1: Investment Goals - By 2027, total technology innovation investment in Zhejiang is expected to exceed 900 billion yuan, with R&D expenditure surpassing 360 billion yuan, accounting for over 3.4% of GDP [1]. - By 2030, total technology innovation investment is projected to reach over 1.1 trillion yuan, with R&D expenditure exceeding 450 billion yuan, accounting for over 3.5% of GDP [1]. Group 2: Innovation Entities - The implementation plan encourages various innovation entities, including government, enterprises, and research institutions, to increase their technology innovation investments [2]. - Government investment in technology innovation is set to steadily increase, with a principle of not reducing budget allocations [2]. - Enterprises are encouraged to enhance the quality and quantity of high-tech enterprises, with a target of recognizing over 5,000 new high-tech enterprises annually [2]. Group 3: Financial Support - Zhejiang will enhance financial support for technology innovation, leveraging the "4+1" special fund to attract social capital for early, small, long-term, and hard technology investments [3]. - A three-year action plan will be implemented to promote financial support for technology innovation, including pilot projects for technology enterprise mergers and acquisitions [3]. - Innovative financial products such as "concept verification loans" and "pilot loans" will be developed to support technology achievements [3].

Group 1 - The Zhejiang provincial government has issued an implementation opinion aiming for over 900 billion yuan in technology innovation investment by 2027 and over 1.1 trillion yuan by 2030, establishing a comprehensive investment mechanism involving government, enterprises, and universities [1][2] - The policy emphasizes a "dual-drive" approach where government funding serves as a safety net while market mechanisms enhance efficiency and scale, with government technology investment expected to increase continuously [2][4] - By 2027, the total R&D expenditure is projected to exceed 360 billion yuan, accounting for over 3.4% of GDP, with a target of over 450 billion yuan and 3.5% of GDP by 2030 [2][3] Group 2 - The policy introduces a mechanism for significant technology projects, allowing partnerships between universities and enterprises to be recognized as major provincial technology plans, thus reducing early-stage R&D risks for companies [3][4] - A target is set for all 11 prefecture-level cities in Zhejiang to have R&D expenditure ratios exceeding the national average, promoting regional collaboration and preventing resource siphoning [3][4] - The government plans to guide enterprise technology innovation investments to reach 700 billion yuan by 2027, highlighting the decisive role of the market in resource allocation [4][5] Group 3 - Financial innovations are proposed to address early-stage investment challenges, including the development of specialized financial products like "concept validation loans" and "pilot loans" to support technology commercialization [5][6] - The policy aims to create a multi-layered support system involving government guiding funds, social capital, and insurance products, with a goal of attracting over 100 billion yuan in social capital through financial innovation [5][6] - The overall strategy focuses on building a complete innovation ecosystem, emphasizing systematic construction and regional collaboration in key sectors such as artificial intelligence, life health, new materials, and new energy [6]