在长春北湖科技开发区的智能化车间里，长春卓谊生物股份（600201）有限公司（以下简称"卓谊生 物"）的冻干人用狂犬病疫苗正通过全自动生产线封装下线，车间外的配送专车已等候发货；百公里外 的松原牧场，认养一头牛集团的奶牛悠闲地晒着太阳，现代化的牛奶生产设备正在高速运转。这鲜活的 产业图景背后，是建行长春科技支行的金融助力。 吉林省，既是传统的农业大省，又是我国近代汽车工业的发祥地，还是北方高科技生物医药产业的聚集 地。近日，《金融时报》记者在吉林省采访期间看到，在普惠金融理念的推动下，吉林省的金融机构聚 焦"三农"、小微、科创等重点领域，结合自身优势，创新产品与服务，以普惠金融之力促进吉林经济高 质量发展，取得了显著的成效。 创新服务模式 与科技型企业相伴成长 "从双阳厂区建厂到北湖新基地扩产，建行总是'雪中送炭'，足额授信让我们敢投技术、敢扩产能。"卓 谊生物有关负责人指着车间里的新设备感慨地说。作为浙商扎根吉林生物医药领域的领军企业，卓谊生 物2013年就和建行长春科技支行结了缘。据卓谊生物有关负责人介绍，2020年企业想建智能化疫苗车 间，却卡在固贷额度和担保方式上——恰逢国家制造业技术改造再贷款政策出 ...

中经记者 郝亚娟 夏欣 上海 北京报道 据报道，国家发展改革委日前在湖南省长沙市组织召开促进民营经济发展壮大现场会。会议强调，扎实 推进民营经济高质量发展任务举措落地见效，进一步拓宽市场准入空间、强化要素支持保障、加强合法 权益保护等，不断激发民间投资活力。 《中国经营报》记者注意到，近期多地密集推出民营经济促进相关条例。银行业亦积极响应，持续加大 对民营企业的支持力度。 广开首席产业研究院院长兼首席经济学家、中国首席经济学家论坛理事长连平指出，以商业银行为代表 的金融体系提供了必要的资金支持和金融服务，成为民营经济快速发展的重要推动力。当前，我国经济 正由高速增长阶段转向高质量发展阶段，民营经济高质量发展同样成为新的时代命题。包括商业银行在 内的金融机构亟须进一步提升服务质效，优化金融供给结构，为民营经济高质量发展注入更为强劲的金 融动能。 从政策驱动转向能力驱动 《中华人民共和国民营经济促进法》于今年5月20日起正式施行。多地密集推出民营经济促进相关条 例。 今年3月，中国银行业协会联合全国工商联发布《银行业金融机构支持民营经济高质量发展倡议书》， 提出加强产品创新，结合自身资源禀赋和优势特点，做实、做深 ...

Core Insights - The core focus of the news is on the innovative financial services provided by SPD Bank's Zhengzhou branch, particularly through the "PuKeDai" product series, which supports technology-driven enterprises in Henan Province with tailored financial solutions [1][2] Group 1: Financial Products and Services - SPD Bank Zhengzhou branch has established a comprehensive service ecosystem centered around the "PuKeDai" product series, injecting 1 billion yuan into technology-oriented enterprises this year [1] - The bank has set up 23 specialized branches for technology finance, creating a network across Henan Province to meet the diverse needs of enterprises at different development stages [1] - The "PuKeDai" product system is designed to match the varying requirements of seed-stage, startup, growth-stage, and mature enterprises [1] Group 2: Case Study and Evaluation Methodology - An example is provided of Anjiele Technology, a high-tech company that faced financing challenges due to limited revenue and collateral; SPD Bank helped by providing a 4.5 million yuan credit loan through the "PuXinDai" product [1] - SPD Bank has developed a unique "technology flow" evaluation system to assess the market value of cutting-edge technologies, focusing on factors such as intellectual property, R&D teams, and technological barriers [1][2] Group 3: Strategic Initiatives and Future Outlook - The bank is actively involved in the "ZhengKeDai" risk compensation fund pool and is innovating by integrating "PuXinDai" with "ZhengKeDai" to enhance financial services [2] - Looking ahead, SPD Bank Zhengzhou branch aims to deepen innovation in technology finance services, optimize business processes and risk control models, and strengthen collaborations with insurance institutions and venture capital funds [2]

Core Insights - The Guangdong-Hong Kong-Macao Greater Bay Area is rapidly developing a "technology-industry-finance" ecosystem, with thousands of innovative enterprises [2] - SPD Bank's Guangzhou branch is actively integrating into Guangdong's high-quality development, focusing on technology finance as a strategic priority [2] - By September 2025, SPD Bank's Guangzhou branch has served over 8,600 high-tech enterprises and 4,900 specialized enterprises in Guangdong, becoming a key financial supporter of the Greater Bay Area's technological innovation [2] Group 1: Financing Solutions for Tech Enterprises - SPD Bank's "PuKe Loan" product system is designed to address the financing needs of tech companies at different stages, utilizing a "5+7+X" product framework [3] - A semiconductor materials company received a customized "PuXin Loan" solution, achieving a credit approval of 7.51 million yuan in just five working days [3] - AR company Gu Dong Technology benefited from a combination of "patent pledge + PuKe Loan," securing 20 million yuan in credit within seven working days, enabling successful product development [4] Group 2: Innovative Evaluation and Support Tools - SPD Bank has developed the "Technology Five Forces Model" to assess enterprise value across five dimensions, moving beyond traditional reliance on financial data [5] - The "Technology Radar" intelligent platform uses AI to gather data on patents and R&D investments, enhancing credit approval efficiency by 40% compared to industry averages [5] Group 3: Policy and Market Response - SPD Bank has implemented new policies to support mature tech enterprises, including the issuance of technology innovation bonds with a low interest rate of 2.5% [6] - The bank has successfully underwritten 1.5 billion yuan in technology innovation bonds, supporting various strategic emerging industries [6] - In the area of merger loans, SPD Bank has provided over 5 billion yuan in support for 15 industry integration projects, following relaxed regulatory measures [7] Group 4: Ecosystem Development and Resource Integration - SPD Bank is creating a "technology financial ecosystem" through partnerships with various institutions, hosting over 200 thematic events to facilitate collaboration among over 3,000 enterprises and 100 investment institutions [8] - The "Technology Salon" serves as a core platform for linking resources and promoting industry connections, exemplified by a recent event that attracted over 40 power equipment companies [8] Group 5: Future Directions - SPD Bank aims to continue enhancing its "5+7+X" product system and deepen collaborations within the "industry-academia-research-government-finance" ecosystem to foster the growth of tech enterprises in the Greater Bay Area [9] - The bank is committed to injecting continuous support into the region's tech ecosystem, aspiring to establish a globally influential innovation hub [9]

Core Insights - The Guangdong-Hong Kong-Macao Greater Bay Area is rapidly developing a "technology-industry-finance" ecosystem, with a focus on high-quality development and innovation [1] - SPD Bank's Guangzhou branch is actively integrating into this development by providing comprehensive financial services tailored to the needs of technology enterprises [1][2] Group 1: Financial Services for Technology Enterprises - SPD Bank Guangzhou has served over 8,600 high-tech enterprises and 4,900 specialized and innovative companies in Guangdong, becoming a key financial supporter of the Greater Bay Area's tech innovation [1] - The "Pukelai" product system, designed to meet the diverse financing needs of tech companies, includes tailored solutions like "Puxin Loan" for companies facing asset-light challenges [2][3] - The bank's innovative "Five Forces Model" and "Technology Radar" platform enhance the evaluation of tech enterprises, improving credit approval efficiency by 40% [4] Group 2: Support for Mature Enterprises - SPD Bank has implemented policies like technology innovation bonds and merger loans to assist mature tech enterprises in overcoming development bottlenecks [5][6] - The bank participated in the issuance of the first private 5-year technology innovation bond in Guangdong, with a low interest rate of 2.5%, reflecting strong market confidence [6] - The bank has provided over 5 billion yuan in merger loans, supporting 15 projects in the technology sector [7] Group 3: Ecosystem Development - SPD Bank is building a technology financial ecosystem through partnerships with various institutions, facilitating over 200 events to promote collaboration among tech companies and investors [8] - The "Technology Salon" serves as a core platform for linking resources and fostering industry connections, exemplified by a recent event that attracted over 40 power equipment companies [8] - The bank aims to continue enhancing its product offerings and ecosystem collaborations to support the growth of tech startups into significant enterprises [9]

Core Viewpoint - The integration of technology and finance is essential for supporting enterprise innovation and growth in the current era, with banks recognizing the need to adapt their financial services to align with technological advancements [1][13]. Group 1: Technology Finance Development - The banking industry is evolving into a "comprehensive financial service company," focusing on a partnership approach to enhance technology finance services [1]. - There is a consensus in the banking sector to explore a technology finance system that aligns with innovation, addressing financial bottlenecks in industrial upgrades [1][5]. - The rise of service robots and the rapid increase in their adoption highlight the importance of financial support for technology enterprises [4][10]. Group 2: Case Studies of Technology Companies - Qianlang Intelligent, a leading player in commercial service robots, has deployed over 100,000 robots globally and relies on credit loans from banks to fund R&D and talent acquisition [4][10]. - Estun, a top domestic industrial robot brand, invests 10% of its revenue annually in R&D, supported by innovative merger loans from banks to facilitate strategic expansion [5][11]. - YaoKang Bio, a company specializing in genetically engineered mice, has received a credit loan of 100 million yuan to support its R&D and market expansion efforts [10][11]. Group 3: Innovative Financial Products - Pudong Development Bank has launched the "Pudong Technology M&A Loan" as part of its initiative to support technology enterprises, with a goal of facilitating 100 billion yuan in loans [7][13]. - The bank has developed a credit loan product specifically for early-stage innovative companies, allowing for support even when companies are not yet profitable [11][12]. - The bank's "Technology Radar" evaluation system aids in assessing the strategic value of technology enterprises, enabling more tailored financial support [12]. Group 4: Future Outlook - Pudong Development Bank aims to become the preferred banking partner for technology enterprises, with over 240,000 technology firms served and a significant increase in technology finance loans [13].