立足"十五五"新起点，"加快发展现代产业体系，巩固壮大实 体经济根基"被置于12项战略任务首位。中国正推动产业体系 向智能化、绿色化、融合化方向纵深发展。 在此期间，我国 现代产业体系在规模体量、科技创新、智能化与绿色化转型、 企业竞争力等维度实现了历史性跨越，产业体系的完整性、先 进性和安全性显著增强。在这一进程中，金融活水始终是支撑 产业发展的关键力量。 这场深刻的产业"升维"，呼唤一场同 样深刻的金融变革。 作者：柏炎 封图：图片资料室 "研发投入占我们营收的8%到10%，但银行的传统信贷模型只认厂房设备抵押，资金流成了发展 的拦路虎。"磐谷动力有关负责人的感慨，道出了无数科创企业的共同焦虑。 打破这道壁垒，需要金融评价体系的深层变革。农业银行重庆永川支行在走访磐谷动力时，并未拘 泥于传统的评估模式，而是启动了创新的"技术流"评价体系，为企业进行精准的科技属性画像。 综合考量企业专利的"含金量"、研发投入强度、科研团队构成，基于对企业技术实力和成长性的 全面判断，及时投放了首笔贷款。 北纬29°，山城重庆。在磐谷动力技术有限公司（下称"磐谷动力"）展厅墙上，百余张专利证书无 声诉说着这家国家级专精特新" ...

从一度因无传统抵押资产而陷入融资困境，到获得农业银行（601288）基于"技术流"评价体系精准投放 的千万元信贷，其6号厂房的拔地而起，正是中国制造根基日益坚实、金融血脉与产业肌理深度交融的 生动缩影。 北纬29°，山城重庆。在磐谷动力技术有限公司（下称"磐谷动力"）展厅墙上，百余张专利证书无声诉 说着这家国家级专精特新"小巨人"企业在清洁大功率发动机以及燃气发动机领域33年的坚守。 "十四五"圆满收官在即，从高铁、新能源的全球领先，到集成电路、航空航天等关键领域的创新突破， 一条覆盖全产业链、持续向价值链高端攀升的发展路径已清晰可见。在这场波澜壮阔的产业升级进程 中，农业银行的金融活水从未缺席。 "十五五"新征程即将启航，"建设现代化产业体系，巩固壮大实体经济根基"被置于十二项战略任务首 位。中国正推动产业体系向智能化、绿色化、融合化方向纵深发展。这场深刻的产业"升维"，呼唤一场 同样深刻的金融变革。金融不再仅是外部的"输血者"，而是深度融入产业肌理，成为产业"增长伙伴"与 创新生态的共建者。 作为服务实体经济的主力银行，农业银行持续创新完善科技金融服务体系，加大先进制造业和新一轮重 点产业链高质量发展贷款 ...

转自：新华财经 新华财经上海11月21日电（记者 王淑娟）在长三角这片创新沃土上，科技金融正成为连接"实验 室"与"大市场"的关键桥梁。中国农业银行始终以服务国家战略为使命担当，持续完善金融支持科技创 新体系，致力于为金融赋能新质生产力发展探索可行路径。立足上海、辐射长三角，据悉，中国农业银 行长三角创新发展协同会暨"123+"金融赋能科技创新专项活动将于11月25日在上海举办，集中展现农行 服务长三角一体化高质量发展，在科技金融领域的创新实践与协同成效，成为观察其澎湃发展动能的重 要"窗口"。 区域协同"凝心聚力"，共绘一体化发展新画卷 作为我国经济发展最活跃、开放程度最高、创新能力最强的区域之一，长三角以不到全国4%的土地面 积，创造了全国近四分之一的经济总量，区域集成电路、生物医药、人工智能产业规模分别占全国 3/5、1/3和1/3，"一体化"和"高质量"成为区域发展的关键引擎。 此前，农行出台《关于服务长三角区域一体化发展的工作意见》，明确"5+2"金融服务重点，包括强化 一体化客户服务能力、优化一体化产品服务创新、提升一体化风险防控能力、做实一体化组织资源保障 等四个一体化建设，全力做好长三角区域一 ...

Core Insights - The Shanghai financial sector has shown stable growth and structural optimization in 2023, with a year-on-year increase in social financing scale by 148.2 billion yuan and a historical low average interest rate of 2.72% for new corporate loans [1][4] Financial Performance - As of September, the total balance of loans in Shanghai reached 12.89 trillion yuan, growing by 7.1% year-on-year, which is 0.6 percentage points higher than the national average [2] - Key sectors such as technology and inclusive finance have seen significant loan growth, with information technology loans increasing by 29.1%, research service loans by 21%, and inclusive small and micro loans by 16% [2] - The total balance of deposits in Shanghai was 23.84 trillion yuan, reflecting an 8.4% year-on-year growth, with household and non-financial enterprise demand deposits showing notable recovery [2] "Five Articles" Initiative - The "Five Articles" initiative has made substantial progress, with related loan balances increasing by 13.7% year-on-year, accounting for 37.5% of total loans [3][4] - Direct financing has increased by 283.5 billion yuan, representing 27.1% of the social financing increment, which is an 11.9 percentage point year-on-year rise [4] Financial Institutions' Contributions - Major state-owned banks, such as Agricultural Bank of China, have played a crucial role, with their "Five Articles" loans accounting for 43% of their total loans, and significant growth in green and inclusive loans [6] - Securities firms like Shenwan Hongyuan have focused on key sectors, with a projected underwriting scale exceeding 930 billion yuan for 2024, enhancing their research capabilities for early-stage technology projects [6] - Insurance companies, such as CCB Life, have expanded their personal pension products significantly, with a growth rate exceeding 400% since launch [7] Future Outlook - The People's Bank of China in Shanghai plans to continue implementing monetary policy tools and deepen financial reforms to align with Shanghai's high-quality development strategy [7]

Core Insights - The Shanghai financial sector has shown a stable growth trend in the first three quarters of 2023, with a year-on-year increase in social financing scale by 148.2 billion yuan and a historical low average interest rate of 2.72% for new corporate loans [1][4] Financial Performance - As of September 2023, the total loan balance in Shanghai reached 12.89 trillion yuan, reflecting a year-on-year growth of 7.1%, which is 0.6 percentage points higher than the national average [2] - The average interest rate for new corporate loans decreased by 43 basis points year-on-year, while the average interest rate for small and micro enterprise loans was 3%, down by 42 basis points [2] - The total deposit balance in Shanghai was 23.84 trillion yuan, with an 8.4% year-on-year increase, indicating improved market liquidity and economic activity [2] Financial "Five Articles" Initiative - The "Five Articles" initiative has made significant progress, with related loan balances increasing by 13.7% year-on-year, accounting for 37.5% of total loans [4] - The initiative has effectively addressed financing challenges, with a focus on technology, green finance, and elderly care sectors [3][6] Institutional Support - Major state-owned banks, such as Agricultural Bank of China, have played a crucial role, with their "Five Articles" loans accounting for 43% of their total loans, and significant growth in green and inclusive loans [6] - Securities firms like Shenwan Hongyuan have focused on key sectors, with a projected underwriting scale exceeding 930 billion yuan for 2024, enhancing their research and investment capabilities [6] Future Outlook - The People's Bank of Shanghai plans to continue implementing monetary policy tools and deepen financial reforms to align with Shanghai's high-quality development strategy [7]

Core Insights - Agricultural Bank showcased its AI-enabled services at the "2025 World Artificial Intelligence Conference," emphasizing the integration of AI in financial services for agriculture and small enterprises [1][2] - The bank's president highlighted the importance of results-oriented AI applications that align with business processes and enhance customer satisfaction [1][3] - Agricultural Bank is committed to building a smart banking ecosystem by leveraging AI technologies to improve operational efficiency and customer service [2][4] Group 1: AI Applications in Banking - Agricultural Bank presented various AI applications, including "AI + Inclusive Retail Loans," "AI + Satellite Remote Sensing," and "AI + Agricultural Loans," aimed at providing convenient financing services [1] - The bank introduced a multilingual real-time translation feature to facilitate financial services for clients from different linguistic backgrounds [2] - The bank's AI applications focus on enhancing customer satisfaction and reducing the workload for staff through technological advancements [1][2] Group 2: Support for AI Industry Development - Agricultural Bank's Shanghai branch has established a comprehensive service system for the AI industry, offering customized services such as financing for computing power and intellectual property assessment [2] - The bank has initiated the "123+ Technology Enterprise Special Service Action," which includes visiting technology companies and providing integrated financing services [3] - As of July 25, the Shanghai branch has visited 1,127 technology companies, achieving an 85% coverage rate and identifying over 1,100 enterprise needs [3] Group 3: Commitment to Innovation and Collaboration - The bank aims to support key technological innovations and collaborate with various stakeholders, including state-owned enterprises and private sectors, to enhance the AI ecosystem [4] - Agricultural Bank is focused on creating a new operational model that deeply integrates AI with banking services, responding to the rapid advancements in AI technology [3][4]

Group 1 - Agricultural Bank of China showcased its "AI + Finance" practices at the 2025 World Artificial Intelligence Conference, highlighting applications in inclusive retail loans and customer service [1][4] - The "AI + Financial Zone" featured immersive experiences demonstrating AI's role in precise customer acquisition and efficient loan processing for farmers and small enterprises [1][2] - The bank's "AI + Customer Service" utilized multilingual real-time translation and virtual digital personas to enhance service interaction [1] Group 2 - The "Technical Foundation Zone" focused on the bank's AI technology system and its "three regions and six centers" computing power layout [2] - Agricultural Bank of China, in collaboration with East China Normal University and the United Nations University, launched the WAIC FinAI forum to discuss AI finance and silicon-based economics [4] - The bank is developing a comprehensive service system for the AI industry, offering customized services such as computing power financing and intellectual property assessment [4][5] Group 3 - The bank has initiated a "123+" technology enterprise service action, visiting 1,127 tech companies and achieving an 85% coverage rate for needs assessment [4] - Agricultural Bank of China aims to support innovation in key technologies and enhance the capabilities of various economic entities, contributing to the construction of Shanghai as an international financial center [5]

Group 1 - The article highlights the rapid advancement of technology, particularly in quantum computing and AI, which requires significant funding and long R&D cycles to transition from laboratory to industrial application [1] - Financial resources are increasingly being directed towards technology innovation, with various initiatives in credit, bond markets, and equity investments supporting tech companies [1] - "Mosu Space" in Shanghai is identified as a pioneering innovation ecosystem for large model development, attracting numerous tech startups and fostering a vibrant innovation environment [2][4][8] Group 2 - "Mosu Space" has created a unique "computing power supermarket" that allows AI companies to easily access necessary computing resources, significantly reducing their operational costs [9][11] - The "Mosu Loan" service, developed in collaboration with East China Normal University and Agricultural Bank, utilizes AI to streamline the loan application process for tech startups, generating credit reports in just 30 seconds [13][15] - Over 100 companies have settled in "Mosu Space," which has also stimulated the growth of over 400 large model enterprises in the surrounding area, accounting for approximately 61% of Shanghai's total [19]

Core Insights - The establishment of the "Artificial Intelligence Financial Application Innovation Center" by East China Normal University and Agricultural Bank of China Shanghai Branch aims to integrate technology, industry, and finance in Shanghai [1][3] - The launch event featured the unveiling of two AI+Finance demonstration scenarios: Intelligent Credit and Intelligent Macroeconomic Analysis [4] Group 1: Project Overview - The Artificial Intelligence Financial Application Innovation Center is a collaboration between East China Normal University and Agricultural Bank of China Shanghai Branch, while the West Coast Joint Technology Financial Laboratory is set up by the Agricultural Bank of China Shanghai Branch [3] - The project focuses on five key platforms: research, innovation, collaboration, marketing, and talent cultivation to enhance the integration of AI technology with financial innovation [3] Group 2: Demonstration Scenarios - The two demonstration scenarios introduced are designed to assist in the full-chain banking credit process and provide macroeconomic analysis and strategy recommendations [4] - The integration of AI with banking operations aims to create a closed-loop system of "data-model-scenario-feedback" to address challenges in financial security and efficiency [4] Group 3: Support Measures - Agricultural Bank of China Shanghai Branch has introduced ten measures to provide high-quality services to the AI industry, including a dedicated credit product called "Mosu Loan" [4] - The bank emphasizes supporting the AI industry as a key direction for serving national strategies, creating a technology finance service ecosystem involving government, the bank, and supporting services [4]