■本报记者 王爱静 往前追溯，今年7月份，中国人民银行浙江省分行牵头印发《关于推动金融机构做好联动支持科技型企 业融资服务工作的指导意见》，探索创新"浙科联合贷"服务模式，以信息共享、风险共担、资源互补、 政策集成"四位一体"为核心，旨在疏导解决局限科技金融的堵点痛点，破解单一银行信贷支持难以匹配 科技型企业全生命周期融资需求的难题，形成银行联合支持科技型企业融资的新探索，为企业提供更具 耐心的贷款服务。自"浙科联合贷"政策推出以来，浙江政银企三方迅速协同联动，将"浙科联合贷"服务 模式细化为可操作、可落地的工作机制。短短数周，首批项目便在杭州科创金融改革试验区内"开花结 果"，精准匹配科技型企业不同阶段融资需求。 "为更好满足科技型企业全生命周期融资需求，围绕科技型企业初创期、成长期、成熟期三个成长阶 段，我们分别设计了'浙科普惠联合贷''浙科成长联合贷''浙科领航联合贷'等专项产品。"中国人民银行 浙江省分行相关负责人表示。 "我们这样的创新型企业，前期研发投入非常大，如果没有政策的支持很难走到今天。"杭州汇萃智能科 技有限公司董事长周才健向记者介绍。 杭州汇萃智能科技有限公司是一家机器视觉软硬件产品及解 ...

Core Viewpoint - The "Zhe Ke United Loan" service model has been officially launched in the Hangzhou Science and Technology Financial Reform Pilot Zone, aiming to provide comprehensive financing support for technology-based enterprises through collaboration among multiple banks [1][3]. Group 1: Service Model Overview - The "Zhe Ke United Loan" service model focuses on information sharing, risk sharing, resource complementarity, and policy integration to address the financing needs of technology-based enterprises throughout their lifecycle [1][3]. - A tiered support mechanism has been established, with specific products designed for different growth stages of technology enterprises: "Zhe Ke Puhui United Loan" for startups, "Zhe Ke Growth United Loan" for growth-stage companies, and "Zhe Ke Leading United Loan" for mature enterprises [1][2][3]. Group 2: Financing for Startups - The "Zhe Ke Puhui United Loan" targets the initial financing challenges faced by startups, with banks like Hangzhou Bank and Industrial and Commercial Bank of China focusing on high-growth technology SMEs [2]. - Over 1 billion yuan in financing has been provided to initial-stage enterprises outside the traditional technology company list, with flexible loan amounts, favorable interest rates, and rapid approval processes [2]. Group 3: Financing for Growth-Stage Companies - The "Zhe Ke Growth United Loan" addresses the financing bottlenecks of growth-stage companies, exemplified by a medical startup that received a customized credit plan of 12 million yuan, with interest rates 26 basis points lower than the average [2][3]. - Collaborative research on financing needs and joint due diligence among banks have facilitated tailored financial solutions for these enterprises [2]. Group 4: Financing for Mature Enterprises - The "Zhe Ke Leading United Loan" is designed for mature enterprises, providing a loan of 20 million yuan with interest rates 74 basis points lower than the average [3]. - This product features high loan amounts, long terms, and risk-sharing mechanisms, supported by a dual-track evaluation system involving both banks and industry experts [3]. Group 5: Future Outlook - The implementation of the "Zhe Ke United Loan" policy is expected to inject "financial vitality" into technology-based enterprises in the Hangzhou pilot zone and provide a model for innovation in technology finance nationwide [3]. - Future efforts will focus on enhancing the government-bank-enterprise linkage mechanism, integrating resources, and optimizing business processes to support the high-quality development of technology enterprises [3].

Core Insights - The People's Bank of China Zhejiang Branch reported that as of the end of June, the total balance of loans in Zhejiang Province reached 25.34 trillion yuan, a year-on-year increase of 9.0%, which is 2.2 percentage points higher than the national average [1] - Zhejiang is the only province with two pilot zones for scientific and technological financial reform, with significant growth in technology service loans and a notable number of companies planning stock buybacks [1] - The bank has implemented a series of measures to enhance financial support for technology-driven enterprises, including the introduction of the "Zheke United Loan" service model [2][3] Financial Performance - The loan balance in Zhejiang Province increased by 1.56 trillion yuan in the first half of the year, with an additional increase of 258 billion yuan compared to the previous year [1] - The balance of loans for the technology service industry grew by 20.4% year-on-year [1] - A total of 284.1 billion yuan in technology innovation bonds were issued by 14 enterprises and institutions in the province [1] Policy Initiatives - The Zhejiang Branch of the People's Bank has introduced the "Zheke United Loan" service model to address financing challenges faced by technology enterprises throughout their lifecycle [2][3] - The model includes a tiered support mechanism tailored to the different growth stages of technology enterprises, offering various loan products with favorable terms [2] - A dual-track evaluation system has been established to enhance the precision of financial services, and a comprehensive financial service system has been created to support technology enterprises [3] Future Plans - The People's Bank of China Zhejiang Branch has selected 12 financial institutions to participate in the "Zheke United Loan" service, with initial due diligence completed for several technology enterprises [4] - The bank plans to promote the "Zheke United Loan" model across the province, enhancing the effectiveness of technology financial services and supporting the accelerated development of new productive forces in Zhejiang [4]