转自：新华财经 新华财经北京1月9日电（记者 翟卓）如何让"硬科技"企业脱颖而出？离不开金融"活水"的悉心浇灌。 金融机构如何更高效获得回报？离不开信贷资源的精准投放。 记者了解到，从"联合授信"模式，到"共同成长计划"，从善用征信试点政策，到"股贷担保租"联动服 务．.....各地因地制宜创新发展，引导金融资源精准流向科技创新领域，助力金融机构共享科创企业成 长果实。 随着"创新科技金融服务"成为2026年金融工作的核心之一，科技金融发展也有望步入系统推进、深度整 合的新阶段，为关键技术攻关与产业升级等注入更充沛、更适配的金融动能。 ——联合授信风险共担 银企携手奔向双赢 作为"杭州六小龙"之一，云深处科技股份有限公司的四足机器人产品已覆盖全球40多个国家和地区，并 在2025年12月内相继完成超5亿元的C轮融资及数亿元的Pre-IPO轮融资。 但不同于当下的柳暗花明，企业的成长也曾充满坎坷。如在B轮融资后，云深处科技一度面临研发投入 高、订单周期错配等典型科创企业痛点。2022年3月，杭州银行科技支行率先出手，以500万元纯信用贷 款解了企业燃眉之急。 但随着业务快速扩张，单一银行又逐渐难以满足企业多元融 ...

新华财经北京12月11日电（记者 翟卓）作为金融"五篇大文章"之首，科技金融是激活科创动能、推动 产业升级的核心引擎。 记者日前赴江浙皖等地调研了解到，为破解银企短期合作导向、风险收益不匹配等顽疾，各地因地制 宜，从创新一项产品、搭建一个平台等小切口着手，助力科创企业获得更具耐心的资本支持、推动银行 同业化竞争为共赢，促进科技金融迈向更具商业可持续的良性循环。 ——探索"深度合作" 银企在皖"结伴"成长 在安徽合肥，成立于2019年的安徽中科昊音智能科技有限公司，是一家聚焦于工业声纹监测解决方案 的"黑科技"企业，可以将机器设备运行中产生的声音转化为可视化波形图，相当于给它们用上了24小时 的"心电图"。 据中科昊音联合创始人徐泉介绍，公司以AI声纹算法为基础，致力于能源、水利、矿山、钢铁、交通 等监测设备的研发与生产，部分领域声纹识别准确率高达99.84%。但因为产能扩张存在资金缺口，一 时间企业出现了融资难题。 随着银企合作不断加深，今年2月，兴业银行合肥分行又基于公司需求将纯信用授信额度扩盘至2000万 元；中科昊音也在10月份正式成长为专精特新小巨人企业。 而为更好丰富"共同成长计划"，中国人民银行安 ...

Core Viewpoint - The "Zhe Ke United Loan" service model has been officially launched in Hangzhou, aiming to provide tailored financial support for technology-based enterprises at different stages of their development [1][2]. Group 1: Service Model and Implementation - The "Zhe Ke United Loan" service model is designed to address the financing needs of technology enterprises throughout their lifecycle, focusing on information sharing, risk sharing, resource complementarity, and policy integration [1][2]. - The model has been operationalized into actionable mechanisms, with the first projects already yielding results in the Hangzhou Science and Technology Financial Reform Pilot Zone [1]. Group 2: Financial Products and Support - Specific financial products have been developed for different growth stages of technology enterprises, including "Zhe Ke Inclusive United Loan," "Zhe Ke Growth United Loan," and "Zhe Ke Navigation United Loan" [2]. - The collaboration between banks has led to increased loan amounts and efficiency, allowing companies to focus on technological innovation and product development [2][3]. Group 3: Case Studies of Benefiting Companies - Hangzhou Huicui Intelligent Technology Co., Ltd. received over 20 million yuan in joint credit support from banks, enabling it to overcome operational funding gaps [2]. - West Lake Weitai (Hangzhou) Diagnostic Technology Co., Ltd. was granted a total of 12 million yuan in credit, facilitating its growth in the medical testing industry [3]. Group 4: Risk Management and Loan Benefits - The "Zhe Ke United Loan" model allows companies to access higher loan amounts, longer terms, and lower costs through joint bank support, effectively dispersing risks associated with project failures [4].

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]