"拿着原有的科技金融发展的旧地图，是找不到新大陆的。"浦发银行总行科技金融部副总经理钟泉表 示，当下，银行已经变成了一个"泛金融服务公司"。通过银行科技金融适配的能力，去解决中小企业的 起步点、痛点、关键点的难题，这才是科技金融服务实体经济的"质"。 浦发银行最新披露的半年报显示，截至今年6月末，该行服务科技型企业超24万户，包括全国超过70% 的科创板上市企业；科技金融贷款（中国人民银行统计口径）增长超1000亿元，余额突破10000亿元， 居股份制银行前列。 以"伙伴思维"重构服务内涵 上海擎朗智能科技有限公司（简称"擎朗智能"）是全球领先的"通用+专用"人形机器人公司，拥有多形 态具身服务机器人产品矩阵。 "我们在2018年建立了全球第一条服务机器人量产产线，而后在2024年建成自有机器人研发生产基 地。"擎朗智能相关负责人告诉上海证券报记者，目前，公司已发展成为"通用+专用"人形机器人领域头 部玩家，拥有业内最完整的产品线，包括人形机器人、清洁机器人、配送机器人等，在全球部署超过10 万台机器人，业务覆盖60多个国家、600多个城市，应用于海内外百余家连锁酒店、餐饮、医院、写字 楼、学校、机场等室内服 ...

当科技创新成为城市竞争的核心密码，青岛正以数字赋能重构发展基因。在中央"做好科技金融大文 章"的战略号召下，这座海洋名城将科技创新置顶城市发展清单，加速科技强市建设，系统优化创新生 态。在此进程中，浦发银行青岛分行以扎实的科技金融实践，成为激活城市科创动能的重要力量。 近日，人民银行青岛市分行与青岛市科技局联合揭晓2024年度科技金融特色支行名单，浦发银行青岛分 行下辖香港东路科技支行与城阳支行双双荣登榜单，成为全市唯一拥有两家上榜支行的股份制银行。 这份殊荣，不仅是对浦发银行青岛分行深耕科技金融领域的权威认证，更折射出青岛金融服务体系赋能 科创"新质生产力"的澎湃活力。 体系布局：构筑服务堡垒 为助力科技企业成长，赋能区域科技金融生态发展，浦发银行启动科技（特色）支行梯度培育三年计 划，依托全集团科创协同优势，聚焦科技企业全生命周期需求，打造专业化服务能力。 青岛分行落实总行战略，全力打造科技（特色）支行布局建设，积极参与人民银行青岛市分行科技金融 特色支行评选活动，将科技（特色）支行打造为金融资源精准对接科技创新需求的"前沿哨所"。 在评选活动中，浦发银行青岛分行的香港东路科技支行与城阳支行，从全市68家 ...

"在热带雨林中，既有高大乔木，也有各种类型的苗木和无数灌木。这些树木品种不同，生命周期 也不同，但可以在同一个环境中互相依赖、融合生长。"浦发银行上海分行科技金融部总经理钟泉向 《金融时报》记者描述了"科创热带雨林"的服务构想,"我们希望聚合资源，打造热带雨林式的科创生态 圈，让科技型企业有良好的成长环境，实现科技金融的有效供给。" 随着对科技企业发展需求的深入理解，科技金融服务也在走向纵深。为解科创企业发展之渴，银行 的科技金融服务也经历了从提供专业化产品到综合化金融服务再到全生命周期科技企业服务生态阶段。 近年来，浦发银行加速推进"数智化、平台化、生态化"建设，坚持"商行+投行+生态"一体化服务模 式，深化"股、债、贷、保、租、孵、撮、联"的业务打法，构筑起包括产品、技术、合作伙伴等多元同 心的服务模式，向科技型企业提供长周期、立体化、多元化的综合服务，成为科技金融生态系统里的重 要枢纽。截至2024年一季度末，浦发银行已服务科技型企业6万户，贷款余额超5300亿元，在股份制银 行中位居前列。 据浦发银行上海张江科技支行副行长方怡菁介绍，与传统的评级完全不同，"浦投贷"运用了创新的 科技企业"打分卡模式" ...

Group 1 - The core viewpoint of the news is that Tianjin's banking sector is actively exploring diversified cooperation with investment institutions, leading to significant financial support for technology-driven enterprises through innovative lending models [1][2]. - As of June 2023, banks in Tianjin have issued a total of 2.73 billion yuan in loans through the investment-loan linkage model [1]. - Since the initial release of the investment institution reference list, nine banks have engaged in financing matchmaking and product development, launching various innovative products such as "Investment-Linked Loan" and "Tianjin Sci-Tech Loan" [1]. Group 2 - The newly released list includes 20 fund managers registered in the Beijing-Tianjin-Hebei region, facilitating deeper cooperation between banks and these institutions in areas like information sharing and project promotion [2]. - The Tianjin Municipal Government has issued measures to support high-quality development of venture capital, emphasizing the establishment of a long-term mechanism for the "technology-industry-finance" cycle [2]. - The Tianjin Banking Association will collaborate with the Tianjin Fund Association to expand and improve the investment institution list, enhancing support for technology innovation and private enterprises [2].

Core Viewpoint - The article emphasizes the importance of technology finance as a key support for technological innovation and the cultivation of new productive forces in China, aiming for significant achievements in five major financial areas by 2027 [3][4]. Group 1: Evolution of Technology Finance - Technology finance has evolved through four main stages: 1. **Incubation Period (1978-1984)**: Primarily government funding for research projects laid the foundation for future development. 2. **Initial Stage (1985-2005)**: Increased fiscal spending on technology as the importance of innovation grew. 3. **Exploration Stage (2006-2015)**: Systematic institutional frameworks and diverse financial tools were developed, including technology branches and innovation boards. 4. **Integration Development Stage (2016-present)**: Enhanced integration of technology and finance, with the establishment of various funds and financial channels to support technology enterprises [4][5]. Group 2: Role of Banking and Equity Investment - The banking sector has actively engaged in technology finance, with significant achievements in lending to technology enterprises. For instance, the People's Bank of China set a technology innovation and transformation relending quota of 500 billion yuan, later increased to 800 billion yuan [8][9]. - By the end of Q1 2025, 271,800 technology SMEs received loans, with a loan approval rate of 49.60%, an increase of 3.60 percentage points year-on-year [8]. - Major state-owned banks reported a cumulative loan scale exceeding 10 trillion yuan in the technology finance sector by the end of 2024 [9]. Group 3: Growth of Equity Investment - The financing scale for technology-related enterprises in the primary equity investment market has shown steady growth, with 1,765 technology enterprises securing financing in the first five months of 2025, a year-on-year increase of 15.13% [13]. - The total financing amount reached 111.607 billion yuan, up 26.84% year-on-year, indicating a strong interest in early-stage technology projects [13]. - The collaboration between banks and venture capital institutions is expected to continue, providing comprehensive financial support for technology enterprises throughout their lifecycle [14][15]. Group 4: Future Outlook - The importance of technology finance is expected to increase, with ongoing policy optimization likely to attract more financial resources to the technology sector, enhancing the financing accessibility for technology enterprises [16][17]. - Private equity investment is anticipated to play a more significant role in supporting technology enterprises, particularly in hard technology sectors like AI and biotechnology, focusing on long-term value investments [16][17].

Investment Rating - The report emphasizes the importance of technology finance as a key support for achieving high-level technological self-reliance and strength in China, indicating a positive investment outlook for the sector [3][4]. Core Insights - The development of technology finance is crucial for addressing funding challenges faced by technology innovation, promoting the transformation and industrialization of technological achievements, and driving industrial upgrades [4][5]. - The report outlines four stages of technology finance evolution: the budding stage (1978-1984), the initial stage (1985-2005), the exploratory stage (2006-2015), and the integrated development stage (2016-present) [5]. - Recent policies have significantly increased support for technology finance, with a focus on providing comprehensive financial services across various dimensions, including venture capital, bank credit, and capital markets [5][6]. Summary by Sections Technology Finance Evolution - Technology finance has evolved through four key stages, each contributing to the establishment of a more robust financial support system for technology enterprises [5]. - The current integrated development stage has seen deeper integration between technology and finance, with the establishment of various funds and financial instruments to support technology innovation [5][6]. Policy Support - Recent government policies aim to enhance the technology finance ecosystem, with specific measures to support venture capital, bank loans, and capital market development [6][8]. - The People's Bank of China has set up a technology innovation and technology transformation relending quota of 800 billion yuan, facilitating credit support for technology SMEs [8][9]. Banking and Equity Investment - The banking sector has actively engaged in technology finance, with major state-owned banks increasing their loan scales in this area to over 10 trillion yuan by the end of 2024 [9][10]. - Private equity and venture capital play a critical role in supporting technology enterprises, particularly in their early stages, by providing long-term and stable funding [11][12]. Financing Trends - In the first five months of 2025, 1,765 technology enterprises secured financing totaling 111.6 billion yuan, reflecting a year-on-year increase of 26.84% [12][13]. - The report highlights a growing interest in early-stage financing, with 51.4% of financing events occurring in the A round or earlier, indicating a strong market focus on innovative potential [12][13]. Future Outlook - The report anticipates continued growth in technology finance, driven by ongoing policy optimization and an increasing influx of financial resources into the technology sector [17][19]. - Private equity investment is expected to play an increasingly significant role in supporting technology enterprises, particularly in hard technology sectors such as AI, semiconductors, and biomedicine [19].