除"浦研贷"外，分行还构建了覆盖企业全生命周期的产品矩阵为进一步打通银企对接"最后一公里"，浦 发银行石家庄分行多次举办"科技会客厅"活动，邀请生物医药企业高管面对面交流。详细解读"积分 贷""浦研贷"等产品优势，针对企业提出的研发资金规划、融资期限匹配等问题逐一解答，现场达成多 项合作意向。 据了解，下一步浦发银行石家庄分行将组建专项服务团队，对"科技会客厅"等活动中收集的企业需求进 行"一对一"深度跟进，推动合作尽快落地。同时，分行将持续聚焦生物医药、高端制造等河北重点产 业，深化金融产品与服务模式创新，不断优化科技金融服务体系，为河北省科技型中小企业高质量发展 保驾护航，助力河北科技创新与产业升级实现新突破。 科技金融的核心是'懂企业'，要跟着企业的研发节奏和成长阶段走。浦发银行石家庄分行深入调研河北 科创企业发展痛点，将特色产品与本地实际结合，推出一系列差异化服务。 "浦研贷"便是分行服务科创企业的"利器"。该产品针对企业研发投入阶段的资金需求，打破传统信贷模 式限制，实现"快速审批"，企业可随用随取、按需发放，贷款额度在期限内还能滚动使用。石家庄某制 药公司近期借助"浦研贷"，顺利解决资金缺口，贷款 ...

Core Viewpoint - The article highlights the role of SPD Bank's Qingdao branch in supporting the marine economy through innovative financial products and services, enabling the growth of marine enterprises in Qingdao [1][6]. Group 1: Financial Support for Marine Enterprises - SPD Bank Qingdao branch has focused on the marine economy, providing tailored financial solutions to address the challenges faced by marine enterprises, particularly small and medium-sized fishing companies [2][3]. - The bank established a "financing task force" to conduct in-depth research on the characteristics of the deep-sea fishing industry and the asset value of fishing vessels, leading to innovative financing solutions [2][3]. - A combination guarantee model of "fishing vessel mortgage + marine usage rights mortgage" was introduced, successfully providing credit to a key industry player, enabling the upgrade of its fleet of 40 deep-sea fishing vessels [3][4]. Group 2: Support for Technology-Driven Marine Enterprises - SPD Bank Qingdao branch has developed a full lifecycle financial service system for technology-driven marine enterprises, helping them grow from startups to established companies [4][5]. - The bank created a customized financing plan for a marine health food manufacturer, utilizing a "marine usage rights mortgage + technology credit loan" model to secure higher mortgage limits and loan support [4][5]. - The bank's "浦科" product system includes five core products and seven financial service plans, designed to support marine enterprises at various stages of development [4][5]. Group 3: Building a Collaborative Ecosystem - SPD Bank Qingdao branch actively constructs a "government-bank-enterprise" ecosystem to promote deep integration of blue finance, facilitating collaboration among various stakeholders [7][8]. - The bank has organized events such as "Technology Salons" and supported competitions focused on marine technology innovation, fostering communication and cooperation among marine technology enterprises [7][8]. - The establishment of a specialized branch for marine finance marks a new chapter in the bank's commitment to supporting the blue economy in Qingdao [6][8]. Group 4: Achievements and Future Outlook - As of June 2025, SPD Bank Qingdao branch has served 1,200 marine enterprises and issued over 30 billion yuan in marine loans, demonstrating its significant impact on the blue economy [6][8]. - The bank aims to continue its partnership with marine enterprises, contributing to the sustainable development of the marine economy in Qingdao [8].

Core Viewpoint - The article highlights the role of SPD Bank's Qingdao branch in supporting the marine economy through innovative financial products and services, enabling the growth of marine-related enterprises in Qingdao [1][5]. Group 1: Support for Marine Enterprises - SPD Bank Qingdao branch has established a "financing task force" to address the financing challenges faced by marine enterprises, particularly small and medium-sized fishing companies [2]. - The bank introduced a "fishing vessel mortgage + sea area usage rights mortgage" combination guarantee model, which successfully provided credit to a key industry player, Rongyuan Fisheries, allowing for the upgrade of its fleet [2][3]. - The bank has served over 1,200 marine enterprises and issued loans exceeding 30 billion yuan by June 2025, demonstrating its commitment to the marine economy [5]. Group 2: Focus on Technology-Driven Marine Enterprises - SPD Bank Qingdao branch has developed a full lifecycle financial service system for technology-driven marine enterprises, supporting their growth from inception to maturity [3]. - The bank created a specialized product system called "Puketech," which includes five key products and seven financial service plans tailored for technology enterprises [3][4]. Group 3: Strengthening Supply Chain Financing - The bank has enhanced its online financing platform to provide supply chain financing solutions for marine enterprises, addressing issues related to collateral and traditional financing methods [4]. - The "N+1+N" financial service plan has been developed to support the upstream and downstream of marine enterprises, utilizing digital products for quick loan disbursement [4]. Group 4: Collaborative Ecosystem Development - SPD Bank Qingdao branch actively builds a "government-bank-enterprise" ecosystem to promote deep integration of blue finance, hosting events and discussions to foster collaboration among marine technology enterprises [6]. - The bank participated in various blue finance activities, including supporting the 13th China Innovation and Entrepreneurship Competition focused on marine technology [6]. Group 5: Long-term Commitment to Marine Economy - Since 2015, SPD Bank Qingdao branch has prioritized the marine economy as a strategic focus, establishing a blue economy financial service center and receiving recognition from national authorities for its initiatives [5][6]. - The opening of a specialized branch for marine finance in 2023 marks a new chapter in the bank's commitment to supporting the blue economy [5].

Core Viewpoint - The article emphasizes the critical role of financial services in supporting the development of technology enterprises, highlighting the need for innovative financial solutions tailored to the unique challenges faced by these companies in their growth and international expansion [1][10]. Group 1: Financial Services for Technology Enterprises - Financial services are deemed a "necessity" for technology companies, as highlighted by the CEO of Qianlong Intelligent, who noted the importance of banking partnerships in overcoming challenges related to international business operations [2][3]. - The collaboration between Qianlong Intelligent and Shanghai Pudong Development Bank (SPDB) has facilitated effective management of overseas funds, enhancing the efficiency of capital utilization for the company's international expansion [3][4]. - SPDB has provided various financial products, including technology loans and services tailored to the company's evolving funding needs, demonstrating the bank's adaptability to the specific requirements of technology firms [3][4]. Group 2: Case Studies of Technology Companies - Estun Automation, a leading player in the industrial robotics sector, has benefited from a long-term partnership with SPDB, which has provided diverse financial products such as working capital loans and supply chain financing, enabling the company to expand its operations [5][6]. - The financial services landscape has improved for private manufacturing enterprises, with innovative products like technology loans and supply chain financing now available, which were previously difficult to obtain [6][7]. - Jiachen Xihai, a biotechnology company, received a comprehensive credit line of 60 million yuan from SPDB, which is crucial for maintaining a competitive edge in the rapidly evolving RNA drug and vaccine market [8][9]. Group 3: Importance of Financial Support in Innovation - Timely and stable financial support is essential for technology breakthroughs, as delays in funding can lead to significant competitive disadvantages in the innovation-driven pharmaceutical industry [8][9]. - The article illustrates that financial services play a pivotal role in the innovation journey of technology enterprises, enabling them to navigate critical development phases effectively [10].

Core Viewpoint - The article emphasizes the critical role of financial services in supporting the innovation and development of technology enterprises in China, particularly in the context of the ongoing global technological innovation wave and the country's goal of becoming a technology powerhouse [2][21]. Group 1: Financial Services and Technology Enterprises - Financial services are deemed a "necessity" for technology enterprises, as highlighted by the CEO of Qianlang Intelligent Technology, who discussed the importance of banking partnerships in overcoming challenges related to cross-border payments and funding efficiency [7][8]. - The collaboration between Qianlang Intelligent and Shanghai Pudong Development Bank showcases how tailored financial products can address specific needs of technology firms, enhancing their operational efficiency and international expansion [7][19]. - The article illustrates that the demand for financial services is not limited to funding but extends to comprehensive financial management solutions that adapt to the evolving needs of technology companies [7][8]. Group 2: Case Studies of Financial Support - Estun Automation, a leading player in the industrial robotics sector, has benefited from a long-term partnership with Shanghai Pudong Development Bank, which has provided various financial products, including working capital loans and supply chain financing [14][15]. - The financial services landscape has evolved, allowing private manufacturing enterprises like Estun Automation to access innovative financing options that were previously unavailable, thus facilitating their growth and development [14][15]. - The case of Jiachensihai Biotechnology illustrates the importance of stable financial support in the competitive landscape of innovative pharmaceuticals, where timely funding can significantly impact research and development progress [17][19]. Group 3: The Role of Financial Innovation - The article highlights the ongoing transformation within banks to better understand and meet the unique needs of technology enterprises, moving beyond traditional service models to offer more relevant financial solutions [21]. - Financial institutions are increasingly focusing on providing "warm" financial empowerment, which is crucial for the innovation pathways of technology companies, ensuring they have the necessary resources to thrive [21]. - The integration of financial services into the operational strategies of technology firms is seen as a key factor in achieving high-quality development within China's technology sector [21].

当前，全球科技创新浪潮奔涌，中国也进入建设科技强国的关键时期。在企业加速向科技转型迈进的同 时，金融亦在快速自我革新，不断突破传统金融服务模式的局限，以更精准、更高效、更具前瞻性的服 务适配科技企业的发展特性。 记者了解到，商业银行正以"硬科技"内核重塑信贷经营模式，对金融服务的流程、体验、风控决策等全 方位进行"数智化能力再造"。 近期，本报记者奔赴上海、南京以及杭州等地进行调研，探寻金融与科技同频共振的鲜活案例，聆听未 来产业发展的心声。 擎朗智能：对科技企业来讲，金融服务是"刚需" 在调研的首站，记者来到了上海擎朗智能科技有限公司（以下简称擎朗智能），这是一家"通用+"专用 具身人形机器人公司，提供具身智能解决方案的智能机器人研发、制造及国内外销售，是全球具身服务 机器人行业领军者。 开创全球服务配送机器人行业以来，擎朗智能持续深耕场景化应用，如今已成为全球商用服务机器人占 有率第一的企业，在全球累计部署超过10万台机器人，业务覆盖60多个国家、600多个城市，拥有人形 机器人、清洁机器人、配送机器人等行业最全品类矩阵。 擎朗智能创始人兼CEO李通表示，对科技型企业来讲，金融服务需求是"刚需"。他介绍了 ...

Core Insights - The article emphasizes the critical role of financial services in supporting the innovation and growth of technology enterprises in China, particularly in the context of the ongoing global technological revolution [1][18]. Financial Services Transformation - Commercial banks are reshaping their credit operating models with a focus on "hard technology," enhancing their digital capabilities across various aspects of financial services, including processes, experiences, and risk management [2]. - Financial institutions are increasingly breaking traditional service limitations to better understand and meet the unique needs of technology companies [18]. Case Studies of Technology Companies - **Qinglang Intelligent**: This company, a leader in the global service robot industry, has deployed over 100,000 robots across more than 600 cities worldwide. The CEO highlighted the necessity of financial services for tech firms, citing a successful partnership with SPDB that improved their cross-border payment efficiency and overall funding management [4][6][7]. - **Estun Automation**: Established in 1993, this company is a leading player in the industrial robot sector, with a significant market share. The financial support from SPDB has allowed them to access various loan products, which were previously difficult for private enterprises to obtain. This includes project loans and supply chain financing, which are crucial for their growth [11][13][14]. - **Jiachen Xihai**: A biotech firm focused on RNA drugs, it received a comprehensive credit line of 60 million yuan from SPDB. The CEO emphasized the importance of timely and stable funding for maintaining competitive advantage in the fast-paced pharmaceutical industry [14][17]. Conclusion - The article concludes that the innovation breakthroughs of technology companies are not achieved in isolation but require precise financial support. The adaptability of financial services to the specific needs of different sectors, such as robotics, automation, and biomedicine, is essential for fostering high-quality development in China's technology industry [18].

转自：新华财经 新华财经上海9月16日电（记者 王淑娟）在科技与产业深度交融的时代浪潮中，科技金融是助力企业自主创新、爬坡过坎、发展壮大的坚实保障。新时期面 临新形势新要求，探索构建同科技创新相适应的科技金融体制，已经成为银行业的共识和发展趋势。 "拿着原有的科技金融发展的旧地图，找不到新大陆。"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"，从技术 研发到应用落地，从企业孵化到产业集群，浦发银行正以"伙伴思维"重构科技金融服务内涵。 如何打通产业升级的金融堵点，如何让创新合力越攥越紧？近期，记者在上海、南京、杭州三地走访人形机器人、生物医药、工业机器人等多家科技企业， 看金融活水如何驱动创新潮涌，让更多"科技繁花"结出"产业硕果"。 陪伴服务，打造专属产品体系 在上海浦东，有一家"独角兽"公司，潜心经营商用服务机器人15年，产品类型覆盖人形机器人、配送机器人、清洁机器人等，累计在全球已部署超10万台商 用机器人。这家公司，就是擎朗智能。擎朗智能是通用+专用的具身人形机器人公司，根据IDC数据，擎朗智能出货量位居全球商用服务机器人第一。 毕业于华中科技大学电子工程系，擎朗智 ...

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 针对擎朗智能业务遍布全球的特点，浦发银行在为其提供科技金融服务的同时，也配套了跨境金融服务。记者获悉，为助力企业发展，浦发银行上海分行为擎朗智能提供跨境双向人民币资金池服 除了需求多样化，研发周期长、投入大也是科创企业的鲜明特点，对于创新药企业更是如此。而企业股权融资大多附有回购条款，因此创立初期的科创企业，在行业估值并不理想时，大多更青睐 对于刚刚创立了6年的创新药公司嘉晨西海，浦发银行杭州分行在其产品尚未面市时，即批复了6000万元综合授信额度，为企业研发助力。 作为一家研发基于RNA的药物及疫苗的创新药企业，嘉晨西海全面布局肿瘤创新药、疫苗、消费医疗领域。公司CEO王子豪用"十年磨一剑"来形容产品的研发周期。目前，公司已获得9个IND批件 "在资金有限的情况下，公司研发只能量力而为，在激烈竞争中影响了企业 ...

Group 1: Technology Finance and SMEs - The core viewpoint emphasizes that traditional banking methods are insufficient for addressing the needs of SMEs, and a new approach is required to effectively serve them through technology finance [2] - As of June 2023, the bank has served over 240,000 technology-based enterprises, including more than 70% of companies listed on the Sci-Tech Innovation Board, with technology finance loans exceeding 1 trillion yuan [2] - The bank's technology finance services aim to address the starting points, pain points, and key challenges faced by SMEs, enhancing the quality of financial services to the real economy [2] Group 2: Innovative Financing Solutions - The bank has developed various financing products tailored for technology enterprises, such as "Pu Yan Loan" for flexible funding during the R&D phase, and "Pu Chuang Loan" for early-stage tech companies [5] - For the innovative pharmaceutical company Jiachen Xihai, the bank approved a credit limit of 60 million yuan even before the product was launched, highlighting the bank's commitment to supporting long-term R&D efforts [4][5] - The bank's financing solutions are designed to be flexible, allowing companies to draw funds as needed, which is crucial for firms with long R&D cycles [5] Group 3: Cross-Border Financial Services - The bank provides cross-border financial services, including a dual-currency cash pool for Shanghai-based company Qinglang Intelligent, facilitating the management of funds across borders [3] - This service is part of a broader strategy to support companies with global operations, ensuring they have the necessary financial tools to manage their international business effectively [3] Group 4: Industry-Specific Financial Strategies - The bank has implemented a technology innovation evaluation system called "Technology Radar" to better understand and serve technology enterprises, enhancing service efficiency [6] - The bank's approach includes creating user profiles for unprofitable biotech companies to improve project success rate assessments [6] - The bank's long-term relationships with companies like Estun have enabled it to provide tailored financial support, including credit for mergers and acquisitions [8][9] Group 5: Ecosystem Collaboration - The bank aims to create a multiplier effect through ecosystem collaboration, matching innovative products with actual enterprise needs, thus extending its services to the entire industry ecosystem [8] - Estun, a leading domestic industrial robot brand, has benefited from the bank's support in supply chain financing and flexible credit solutions for significant acquisitions [8][9] - The bank's comprehensive financial services cover the entire process from laboratory to industrial chain, supporting nearly 100 enterprises in the Jiangning District [10] Group 6: Future Directions - The bank plans to leverage core resources and government partnerships to establish new incubation bases, enhancing financial support for technology enterprises from the research phase to commercialization [10] - Recent guidelines from the People's Bank of China emphasize the need for financial policies to support key technological products and enhance the resilience of industrial supply chains [10]