据悉，去年，市市场监管局接续推出"深质贷""深质投"质量投融资产品和工具，打造"质量直接融资+质 量间接融资"联动格局，以"小切口"解决中小企业"融资难"、银行"拓客难"和创投资本"服务科技创新 难"等问题。一年来，市市场监管局在全国首创的"深质投"质量创投模式，实行"IPD遴选+NQI赋能"， 助力处于天使轮、A轮融资区间的初创型科技企业解决投融资难题，联合相关部门举办专场路演、早期 项目对接会6场，推出天使轮和A轮融资项目52个，吸引投资机构60家，其中2个项目获得9500万元融 资，另有9个项目获投资机构对接。 在当天的"深质投"人工智能专场路演环节，来自深圳市威视佰科科技有限公司、深圳市天佑卫星应用技 术有限公司等7家企业和创业团队展示了洞视万物的光谱传感方案、危化行业智能巡检机器人、基于力 觉反馈的人机交互系统、国内首个微信小店全域经营交易闭环型Agent、生境科技、秒拍智诊-全自动AI 影像机器人、无创无感多生理信号健康监测体系7个融资项目，吸引了东方富海、达晨财智、松禾资 本、天使母基金等多家投资机构的关注。 为企业提供全生命周期质量技术和金融服务 【深圳商报讯】（记者 李佳佳）日前，深圳市质量 ...

Core Insights - The financial situation in Shenzhen has shown stable growth in the first half of 2025, with significant support for the real economy [1] - The credit structure continues to optimize, with a focus on technology innovation, inclusive small and micro enterprises, and green development [3][4] Financial Overview - As of June 2025, the total deposits in Shenzhen reached 14.16 trillion yuan, an increase of nearly 600 billion yuan since the beginning of the year [1] - The total loans amounted to 9.85 trillion yuan, growing by over 350 billion yuan compared to the start of the year [1] Credit Structure Optimization - The balance of technology loans reached 2.1 trillion yuan, inclusive small and micro loans nearly 2 trillion yuan, green loans 1.3 trillion yuan, and digital economy loans also 1.3 trillion yuan, all growing faster than the overall loan growth rate [3] - The average interest rate for newly issued corporate loans dropped to 2.85% in June 2025, a year-on-year decrease of 0.52 percentage points [3] Policy Implementation - The People's Bank of China (PBOC) implemented a series of monetary policy measures that quickly took effect in Shenzhen, releasing 61.4 billion yuan through reserve requirement ratio cuts [3] - The PBOC has also utilized various tools to support technology innovation and consumption, with over 410 billion yuan in technology re-loans benefiting more than 1850 technology enterprises [3] Green Finance Initiatives - The PBOC in Shenzhen has collaborated with the local ecological environment bureau to support green infrastructure and energy projects, with green loans growing by 25.4% since the beginning of the year [5] Inclusive Finance Development - Shenzhen has established mechanisms to enhance credit access for small and medium-sized enterprises, with over 33 billion yuan in loans issued to more than 110,000 small businesses [6] - The balance of loans to the private economy reached 4.26 trillion yuan, with an increase of 849.75 billion yuan since the start of the year [6] Digital Finance Progress - The digital yuan pilot has seen nearly 30 million wallets opened, with 3,800 prepaid business institutions managing nearly 3.1 billion yuan [7] - The cross-border financial services have expanded significantly, with Shenzhen banks handling cross-border payments amounting to 472 billion yuan, accounting for nearly 50% of the Greater Bay Area [8][9]

Core Insights - The People's Bank of China (Shenzhen Branch) reported a significant increase in both deposits and loans in Shenzhen, with total deposits reaching 14.16 trillion yuan and loans at 9.85 trillion yuan by the end of June 2025, marking increases of nearly 600 billion yuan and over 350 billion yuan respectively [1][2] - Shenzhen has established a credit structure with significant balances in technology and inclusive loans, each reaching 2 trillion yuan, and green and digital economy loans at 1 trillion yuan each, positioning it among the top cities in China [1][3] - The issuance of technology innovation bonds has been notable, with 14 bonds issued totaling over 200 billion yuan, supporting various technology enterprises [2][3] Financial Performance - As of June 2025, the average interest rate for new corporate loans in Shenzhen was 2.85%, a decrease of 0.52 percentage points year-on-year, indicating a low financing cost environment [1][2] - The implementation of a series of monetary policy measures, including a reserve requirement ratio cut that released 61.4 billion yuan into the economy, has bolstered support for the real economy [2][3] Sectoral Focus - The credit allocation in Shenzhen is heavily directed towards key sectors such as technology innovation, inclusive small and micro enterprises, and green development, with technology loans at 2.1 trillion yuan and inclusive loans nearing 2 trillion yuan [3][4] - Green finance initiatives have led to a 25.4% increase in loans for green ports, waterways, and shipbuilding, reflecting a strong commitment to sustainable development [3][4] Cross-Border Finance - Shenzhen has seen a significant increase in cross-border RMB transactions, with a total of 27.63 trillion yuan in cross-border payments in the first half of 2025, a year-on-year growth of 24.3% [4][5] - The "Cross-Border Wealth Management Connect" initiative has attracted approximately 30,000 new individual investors, with total cross-border payment amounts reaching 47.2 billion yuan [5][6] Consumer Trends - Foreign consumer spending in Shenzhen has increased significantly, with non-cash payment transactions reaching 85.88 million and 11.81 billion yuan in the first half of 2025, representing year-on-year growth of 29% and 35% respectively [6][7] - The top three source countries for inbound consumption in Shenzhen are South Korea, the United States, and Singapore, contributing nearly 30% of total consumption [6][7]

Group 1 - The core viewpoint of the news is that the People's Bank of China Shenzhen Branch and the State Administration of Foreign Exchange Shenzhen Branch reported stable growth in credit volume and an optimized credit structure in Shenzhen, with significant support for key sectors such as technology innovation, inclusive small and micro enterprises, and green development [1][2][3] Group 2 - As of June 2025, the total balance of deposits in Shenzhen reached 14.16 trillion yuan, an increase of nearly 600 billion yuan since the beginning of the year, while the total balance of loans was 9.85 trillion yuan, up over 350 billion yuan [2] - The balance of loans for technology innovation reached 2.1 trillion yuan, inclusive small and micro loans nearly 2 trillion yuan, green loans 1.3 trillion yuan, and digital economy loans 1.3 trillion yuan, all growing faster than the overall loan growth rate [2] - The average interest rate for newly issued corporate loans in Shenzhen was 2.85% in June 2025, a year-on-year decrease of 0.52 percentage points, marking a historical low [2][3] Group 3 - A comprehensive monetary policy package was implemented in May 2025, releasing 61.4 billion yuan to support the real economy, with a focus on lowering policy interest rates and stabilizing bank net interest margins [3] - Over 1,850 technology enterprises and 89 projects received more than 41 billion yuan in loans through the technology innovation and technological transformation relending program [3] - The financial institutions in Shenzhen have provided loans exceeding 33 billion yuan to over 110,000 small and micro enterprises and individual businesses through various initiatives [4] Group 4 - The issuance of technology innovation bonds by nine technology enterprises and equity investment institutions in Shenzhen totaled 20.75 billion yuan [4] - Carbon reduction loans amounting to 18.75 billion yuan have been issued to support green infrastructure and energy projects, resulting in a reduction of 3.95 million tons of carbon emissions [4] - The digital RMB pilot has seen nearly 30 million digital wallets opened and 3,800 prepaid business institutions signed up, managing nearly 3.1 billion yuan in prepaid funds [4]

深圳金融管理部门联合市场监管部门推出首款质量融资增信产品"深质贷"，依托企业质量能力、资质等 要素，帮助企业质量品牌的"无形资产"转化为融资增信的"有形资产"。辖内银行已运用"深质贷"为112 家企业授信超4.5亿元。2025年以来，人民银行深圳市分行联合深圳市财政局、深圳市国资委等部门推 出"跨越贷"，推动地方征信平台、政府性融资担保机构、银行三方合作，发挥"征信画像+融资增信"作 用，帮助更多"无贷户"跨越信贷可得边界，推出两个月就帮助17家"无贷户"企业获得贷款金额4880万 元。 深圳市工商联与工、农、中、建、交行在内的23家银行签订了战略协议，为深圳民营企业提供4200亿授 信额度。特别是今年以来，市工商联积极协调各大银行，推动银行机构坚定贯彻不抽贷、不断贷的政策 原则，为受关税影响的企业提供稳定的信贷支持。组织多场银企对接会，搭建沟通桥梁，深入了解企业 资金需求和经营困境，鼓励银行根据企业实际情况，灵活调整信贷策略，如延长贷款期限、调整还款方 式、增加授信额度等，帮助企业缓解资金周转压力。 中新网深圳7月21日电 (索有为 王晨)民营企业数量与市值均位列全国城市第一的深圳，着力促进民营经 济健康发 ...

Core Viewpoint - Shenzhen is actively enhancing its business environment to support the steady development of private enterprises through innovative services and policies [1][2]. Group 1: Policy Implementation - Shenzhen is promoting private capital participation in major infrastructure projects, with a total investment scale of approximately 200 billion yuan across 24 projects in energy, transportation, and water sectors [2]. - The Shenzhen Comprehensive Service Platform for Private Economy was launched in March 2025 to provide one-stop services for private enterprises, optimizing the development environment [2]. - The Shenzhen Federation of Industry and Commerce has conducted extensive outreach, visiting over 3,000 key enterprises and associations in the past five years to facilitate policy implementation [2]. Group 2: Financial Support - A strategic agreement was signed with 23 banks to provide 420 billion yuan in credit for private enterprises, ensuring stable financial support amid external pressures [5]. - The establishment of the "Technology Startup Pass" by the local credit platform aims to assist banks in providing early and small loans to startups [3]. - The "Deep Quality Loan" product was introduced to convert intangible assets into tangible collateral for financing [3]. Group 3: Service Improvement - Shenzhen has introduced an AI-powered system to enhance the efficiency of government services, significantly improving the ease of starting a business [6]. - The city recorded a 6.5% year-on-year increase in new business registrations, totaling 327,000 new enterprises in 2024 [6]. - Over 150 policy promotion activities and 47 themed events have been organized to enhance awareness and understanding of business support policies [6].

Core Viewpoint - The National Market Supervision Administration has issued a notice to enhance quality financing and credit enhancement efforts to better support small and micro enterprises in pursuing quality and efficiency-driven development [1] Group 1: Quality Financing and Credit Enhancement - Banks are actively exploring the integration of quality financing and credit enhancement elements to develop relevant products and services, enhancing precise connections between banks and enterprises [1][2] - The quality financing and credit enhancement factors include capabilities and qualifications in quality credit, quality management, quality branding, quality foundation, and quality innovation [2] - Banks are establishing a multi-dimensional comprehensive evaluation system based on these factors, incorporating them into credit evaluation and risk management models [2] Group 2: Product Development and Services - For instance, Bank of China Shenzhen Branch launched the "Shenzhen Quality Loan" product, providing up to 5 million yuan in pure credit loans for enterprises with good quality credit [2] - Agricultural Bank of China Xiamen Branch introduced the "Luzhi Loan" product, with a maximum credit limit of 5 million yuan, emphasizing a full-process convenient service system for enterprises [2][3] Group 3: Information Sharing and Precision Matching - The banking sector is working with local market regulatory departments to establish a quality financing and credit enhancement information sharing mechanism [4] - Banks utilize local financing credit service platforms to achieve data interconnectivity and information sharing regarding enterprise quality credit and management [4] Group 4: Process Optimization and Efficiency - Banks are leveraging big data and artificial intelligence to innovate business processes, establishing automated credit approval systems to enhance efficiency and reduce loan approval times [5] - The industry is encouraged to build a "government-bank-enterprise" data hub platform to break down data barriers and create comprehensive enterprise quality credit profiles [5]

Core Viewpoint - The financing service matching event in Shenzhen aims to support private enterprises in overcoming challenges and expanding market opportunities through collaboration with financial institutions [1][2]. Group 1: Event Overview - The event was organized by multiple government and financial regulatory bodies, including the Shenzhen Development and Reform Commission and the People's Bank of China Shenzhen Branch [1]. - Nearly 30 private enterprises with actual financing needs participated, alongside 24 financial institutions from various sectors such as banking, insurance, and venture capital [1]. Group 2: Policy and Financial Solutions - A representative from the People's Bank of China Shenzhen Branch provided a comprehensive interpretation of recent policies aimed at enhancing financial services for the high-quality development of the private economy [1]. - The event highlighted innovative financial models such as "Tengfei Loan," "Technology Startup Loan," "Park Loan," and "Shenzhen Quality Loan," which are designed to facilitate financing for technology innovation and transformation [1]. Group 3: Outcomes and Future Plans - Five banks signed agreements with six private enterprises during the event, with a total intended financing amount exceeding 300 million yuan, focusing on comprehensive credit and inclusive finance loans [2]. - The event is seen as a proactive measure by the Shenzhen government to alleviate difficulties faced by private enterprises amid complex international trade conditions, thereby boosting their confidence and market vitality [2]. - Shenzhen plans to continue building mechanisms, platforms, and services to optimize the business environment and create a positive cycle of interaction between enterprises, government, and financial institutions [2].

2025年4月23日，人民银行深圳市分行、国家外汇管理局深圳市分局联合举行2025年第一季度新闻发布 会，详细介绍了深圳金融运行情况及在金融"五篇大文章"——科技金融、绿色金融、普惠金融、数字金 融以及跨境金融方面的最新进展与成效。 据悉，为深入贯彻《国务院办公厅关于做好金融"五篇大文章"的指导意见》，在中国人民银行和国家外 汇管理局的指导下，在深圳市委、市政府的支持下，人民银行深圳市分行牵头出台了深圳金融"五篇大 文章"各领域实施方案，强化金融政策与产业政策的协同配合，构建了"1+5"精细化政策框架。 数据显示，截至一季度末，全市科技型企业贷款余额达到1.23万亿元，绿色贷款余额为1.27万亿元，普 惠小微贷款余额为1.90万亿元，均居全国各城市前列，彰显了深圳在金融"五篇大文章"方面的显著成 效。 在绿色金融领域，深圳同样走在全国前列。人民银行深圳市分行通过完善激励约束机制、开展金融机构 绿色金融评估等措施，有效推动了绿色金融的发展。同时，联合市生态环境局、发改委等部门做好气候 投融资等项目融资对接，持续推动碳减排支持工具落地。截至一季度末，商业银行发放碳减排贷款金额 达到180亿元。联合市生态环境局、地 ...

北京商报讯（记者 刘四红）4月23日，人民银行深圳市分行、国家外汇管理局深圳市分局举行2025年一 季度新闻发布会，介绍深圳金融运行有关情况。 会上介绍，截至2025年一季度末，全市科技型企业贷款余额1.23万亿元，绿色贷款余额1.27万亿元，普 惠小微贷款余额1.90万亿元，居全国各城市前列。 其中，运用科技创新和技术改造贷款支持"两重两新"，已落地贷款金额超过300亿元。推动"腾飞贷""科 技初创通"特色品牌增量扩面，24家银行为82家企业通过"腾飞贷"模式发放贷款24.5亿元；"科技初创 通"助力2516家企业获得贷款27.5亿元。持续推动金融支持新能源汽车"12条"落实落细，综合运用多种 结构性货币政策工具为产业链企业提供低成本融资超过160亿元。 普惠金融利民惠企。牵头出台20条金融支持举措力挺深圳民营经济创新发展。"个体通""小微通""深质 贷"累计服务小微企业及个体工商户超11万户，提供授信近20亿元。联合市财政、国资等部门印发《"跨 越贷"试点方案》，为"无贷户"提供"企业有画像、贷前有担保"的服务体系，17家企业获批贷款4880万 元。 数字金融提质增效。持续实施金融科技创新监管工具，开展" ...