中新网上海10月10日电 (记者 陈静)2025长三角高价值专利运营大赛总决赛高端装备先进制造(新材 料)赛道10日举行，汇集16个优质项目，涵盖工业机器人、智能传感、精密装备等多个细分领域。 值得关注的是，银行等金融机构全程参与赛事，为参赛项目提供知识产权质押融资、产业链金融等 定制化服务，并将依托赛事平台建立科创企业服务台账，提供全生命周期资金支持。 当日，上海市知识产权局运用促进处副处长和月磊，上海市徐汇区知识产权保护中心主任李艳昇， 上海漕河泾创业中心总经理助理、科技发展部总监薛科，国家知识产权运营(上海)国际服务平台董事长 潘熙等以及多家银行、金融机构代表出席活动。 上海漕河泾创业中心方面表示，本次大赛集聚优质创新资源，构建高效转化体系，营造出开放金融 生态，建设高效协同、开放包容的基础创新发展的创新生态。同时，大赛强化高价值专利培育运营，构 建"专利大赛+专利转化+金融加持+产业赋能+载体服务"服务机制，为更多硬科技项目匹配漕河泾开发 区的政策、资本、服务等各类科创要素资源。 赛事发起方——国家知识产权运营(上海)国际服务平台(简称：平台)方面表示，这些项目既有突破 关键技术的专利组合，也有深度融 ...

秋分时节，五谷丰登。在第八个中国农民丰收节到来之际，广发银行积极践行金融服务乡村振兴的使命 担当，通过创新金融产品与服务模式，持续为乡村经济发展注入强劲动力，以金融之力绘就农业强、农 村美、农民富新图景。 普及金融知识，筑牢乡村风险防线 聚焦产业振兴，"贷"动特色农业发展 在提供融资支持的同时，广发银行各分行积极组织金融宣讲小分队深入田间地头，围绕防范电信诈骗、 识别非法集资、安全使用电子支付工具、存款保险制度等热点话题开展专题宣传，用通俗易懂的语言普 及金融知识，切实提升农民群体的风险防范意识和金融素养，让金融服务更加"接地气、暖人心"。 面对河南省某食用油有限公司在转型升级中遇到的融资难题，广发银行郑州分行打破传统授信模式，创 新采用知识产权质押融资方式，成功为其批复500万元授信额度，并联动当地知识产权局提供贴息支 持，以"科技+金融"双轮驱动，有效缓解了小微企业"融资难、融资贵"问题，为企业技术成果转化与产 业升级提供了有力支撑。 科技赋能金融，提升普惠服务效能 广发银行长春分行依托吉林省作为全国农村金融改革试点的优势，联合当地政府平台企业推出全流程线 上化的农户贷款产品。该产品借助大数据分析实现了农 ...

《政策措施》提到，鼓励银行拓展保单融资增信功能，优化业务办理流程。持续推进服务贸易结算便利 化，指导银行优化诚信合规企业的跨境资金收付手续。对于境内外长期合作的企业间发生的小额、高频 服务贸易业务，鼓励银行优化审核方式，提升资金结算效率。 北京商报讯（记者 孟凡霞 周义力）9月24日，商务部会同中央网信办、财政部等8部门印发了《关于促 进服务出口的若干政策措施》（以下简称《政策措施》）。 《政策措施》还提到，加快知识产权价值评估、交易流转体系建设，完善知识产权交易、质押登记等信 息平台，鼓励银行加强与知识产权第三方资产评估机构合作，提升知识产权价值评估能力。优化知识产 权质押融资服务体系，支持银行业金融机构开展知识产权质押融资内部评估试点，推广专利质押登记全 流程无纸化办理。支持银行对专利权等无形资产的研发提供贷款，允许根据业务特征、运行模式等灵活 安排，满足不同专利研发和转化需求。 ...

在发展模式上，实现从"有形抵押"到"价值发现"的突破。科技型企业"轻资产、重智力"的特征，要求银 行重构信用评价体系。银行的风控模式正从依赖抵押物，转向对企业创新能力和市场潜力的深度挖掘与 价值评估。为此，可以着力推广知识产权质押融资，让企业的"无形资产"变成发展的"真金白银"。 在产业生态上，实现从"单点授信"到"体系赋能"的升级。科技创新是产业链协同作战，金融服务亦 需"成链组网"。这就需要商业银行打造更加完备的科技金融服务生态系统，为企业提供覆盖全生命周期 的金融解决方案。这种从"给钱"到"赋能"的转变，有助于推动"科技—产业—金融"实现更高水平的良性 循环。 让科技金融更好赋能新质生产力发展，服务企业创新，还需在制度保障上持续发力。首先，不断完善激 励约束机制，让金融机构"愿贷、敢贷"。严格执行尽职免责"安全港"原则，为一线信贷人员松绑鼓劲。 其次，打通"股贷债"联动渠道，形成风险共担、利益共享的新型银企关系。最后，强化跨部门协同，营 造优良外部环境。这有赖于加快健全知识产权评估、交易和处置体系，破解"评估难、处置更难"的瓶 颈。 从加大信贷投放到创新综合服务，金融业正以实际行动回应时代的呼唤。有理由 ...

1980年，随着中国首个经济特区在深圳蛇口扬帆起航，南海之滨奏响了探索与创新的时代序曲。45载光阴荏苒，这座以"20+8"战略性新兴产业集群擘画未 来、专精特新"小巨人"数量领跑全国的创新之城，其产业升级的深度、科技创新的锐度、开放融合的广度，离不开金融"活水"的深度滋养。作为恒丰银行融 入粤港澳大湾区建设的战略支点，恒丰银行深圳分行立足特区沃土，以特色金融服务体系，深度融入区域经济生态，持续为鹏城高质量发展注入恒丰动能。 科技金融强赋能：精准滴灌点燃创新引擎 这份认可背后，是深圳分行聚焦深港跨境金融痛点打造的一体化服务体系。作为恒丰银行在粤港澳设立的一级分行，深圳分行充分发挥地理区位与政策优 势，在中国人民银行深圳市分行、国家外汇管理局深圳市分局及前海管理局等协同指导下，加速打造本外币、境内外、离在岸、线上线下一体化的跨境金融 服务体系，助力企业抢占国际市场高地。开业以来，深圳分行累计办理跨境结算量超15亿元，进一步推动跨境贸易结算便利化。 当前，为持续深化跨境金融服务能力，深圳分行强化政策红利转化，加大创新实践，深入研究运用"金融支持前海30条"，成功落地分行首笔"取消外商直接 投资（FDI）人民币资本金 ...

Core Viewpoint - The Henan Provincial Government has issued a financial service implementation plan aimed at enhancing support for technological innovation, focusing on a comprehensive financial service system for technology-driven enterprises [1] Group 1: Financial Support for Technological Innovation - The plan emphasizes the exploration of a "stock-loan-bond insurance" linkage mechanism, targeting early, small, long-term, and hard technology investments [1] - It aims to strengthen financial services throughout the entire chain of technological innovation and the full lifecycle of technology-based enterprises [1] - The initiative includes the establishment of specialized financial branches by banks and insurance institutions to support technology finance [1] Group 2: Specific Financial Products and Actions - The plan promotes "technology loans," "specialized and innovative loans," and risk compensation for intellectual property pledge financing, with a focus on improving and expanding these services [1] - Actions will be implemented to facilitate first-time loans for technology enterprises and expand credit loans, with a target of achieving a loan growth rate of no less than 20% for technology-based SMEs by 2025 [1] - Financial institutions are encouraged to engage deeply with innovation platforms like the Central Plains Science and Technology City [1] Group 3: Bond Financing and Collaborative Platforms - The plan includes actions to enhance the issuance of bonds in the interbank market, with a focus on cultivating key areas and providing ongoing bond issuance guidance [1] - There is an intention to issue more "technology board" innovation bonds to support technological advancements [1] - The establishment of a "Technology Finance Alliance" and a "Technology Insurance Co-Insurance Body" is proposed to create a diversified financial service platform [1]

Core Viewpoint - The State Council has approved a comprehensive reform pilot program for market-oriented allocation of ten factors in selected regions, aiming to enhance the efficiency of resource allocation and promote a high-level socialist market economy [1][7]. Group 1: Pilot Regions and Objectives - The pilot program will be implemented in ten regions including Beijing's urban sub-center, key cities in Jiangsu, Hangzhou-Ningbo-Wenzhou, Hefei metropolitan area, Fuzhou-Xiamen-Quanzhou, Zhengzhou, Chang-Zhu-Tan, nine cities in the Guangdong-Hong Kong-Macao Greater Bay Area, Chongqing, and Chengdu [1][3][4]. - The program aims to break down institutional barriers that hinder the free flow and efficient allocation of production factors, ensuring equal legal protection for various ownership economies [1][6]. Group 2: Focus Areas of Reform - The reforms will focus on technology, land, human resources, data, and capital factors, with an emphasis on improving collaborative allocation efficiency [5][10]. - Specific initiatives include accelerating the construction of a global wealth management center in Beijing and promoting digital transformation in Suzhou and Wuxi [5][10]. Group 3: Implementation and Evaluation - Local governments are required to take primary responsibility for the implementation of the pilot programs, adapting strategies to local conditions and new business developments [6][10]. - The National Development and Reform Commission will oversee coordination and guidance, aiming to summarize and promote successful practices from the pilot programs [6][10]. Group 4: Sector-Specific Strategies - In the technology sector, the program will enhance the transformation of scientific and technological achievements and promote the integration of technology and capital [12][24]. - For land management, the program will explore reforms to optimize land use and promote mixed-use development [14][39]. - In human resources, the program will facilitate the smooth flow of labor and talent, including reforms to the household registration system [16][28]. - The data sector will see the establishment of rules for data circulation and the promotion of data sharing and application [17][43]. - Capital markets will be enhanced to better serve the real economy, including support for small and medium-sized enterprises [20][30].

Core Viewpoint - The State Council of China has approved a comprehensive reform pilot plan for the market-oriented allocation of factors in several regions, aiming to enhance the efficiency of resource allocation and promote a high-level socialist market economy [1][2][3] Group 1: Pilot Areas and Implementation - The pilot areas include Beijing's urban sub-center, key cities in southern Jiangsu, Hangzhou-Ningbo-Wenzhou, Hefei metropolitan area, Fuzhou-Xiamen-Quanzhou, Zhengzhou, Changsha-Zhuzhou-Xiangtan, nine cities in the Guangdong-Hong Kong-Macao Greater Bay Area, Chongqing, and Chengdu [2][3] - The implementation period is set for two years, starting immediately [2] Group 2: Objectives and Responsibilities - The plan aims to deepen the reform of factor market allocation, improve market systems and rules, and eliminate institutional barriers to the free flow and efficient allocation of factors [3] - Provincial governments are tasked with taking primary responsibility for organizing and implementing the reforms, focusing on enhancing factor coordination and efficiency [3] Group 3: Key Areas of Focus - Emphasis on technology factor innovation, including the establishment of a system for the ownership of scientific achievements and the promotion of technology transfer [5][16][29] - Land factor efficiency will be improved through reforms in land management and the promotion of mixed-use land policies [6][31][45] - Human resources will be facilitated through reforms in the household registration system and the establishment of unified public employment services [8][20][47] Group 4: Data and Capital Factors - The plan includes the establishment of rules for data factor circulation and the promotion of data sharing and utilization [9][35] - Financial services will be enhanced to better support the real economy, including the development of innovative financial products and the establishment of a multi-level capital market [12][22][37] Group 5: Environmental and Resource Management - The creation of a green factor trading mechanism is proposed, focusing on ecological protection and resource utilization [13][38] - The plan aims to improve the market-oriented allocation of environmental resources and promote sustainable development practices [24][38]

Core Insights - The meeting emphasized the importance of seed industry revitalization for national food security and the role of banks in providing innovative financial services to support this initiative [1][3] Group 1: Financial Support for Seed Industry - Banks are encouraged to establish a "full-cycle + differentiated" credit support system to meet the diverse funding needs of seed enterprises [1] - Long-term special loans should be introduced to address the characteristics of seed research and development enterprises, which require high investment and have long cycles with slow returns [1] - Flexible short-term working capital loan products should be developed for seed production and processing enterprises, considering their seasonal production characteristics [1] Group 2: Enhancing Innovation Capabilities - Banks should act as "resource integrators + risk bearers" to help seed enterprises improve their innovation capabilities [2] - Support for mergers and acquisitions through loans can help quality seed enterprises consolidate resources and enhance industry concentration and innovation efficiency [2] - Establishing a seed industry innovation development fund in collaboration with government departments and research institutions can focus on key technology research and development [2] Group 3: Intellectual Property Financing - To address the "light asset, financing difficulty" dilemma faced by seed enterprises, banks should innovate in intellectual property pledge financing [3] - A specialized intellectual property value assessment system should be established to evaluate the market value and revenue expectations of seed industry intellectual property [3] - A comprehensive service plan combining "intellectual property pledge + credit + industry chain" should be introduced to provide full-chain financial services to enterprises [3]

Group 1: Core Insights - The article highlights the significant role of the financial industry in supporting Shenzhen's economic development, especially as the city celebrates the 45th anniversary of its economic special zone [1] - It emphasizes the commitment of China Merchants Bank Shenzhen Branch to serve the local economy and its proactive approach in implementing national strategies [1] Group 2: Financial Support for Enterprises - A technology company in Bao'an District received a credit loan of 2.55 million yuan within three days to address cash flow issues, showcasing the bank's efficiency in providing timely financial support [2] - From January to June 2025, the bank ranked first in the city for the issuance of small and micro enterprise startup guarantee loans, indicating its strong position in the local market [2] Group 3: Innovation in Financial Services - The bank is breaking traditional credit constraints by transforming intellectual property into tangible assets, as demonstrated by its support for a design company that received increasing credit limits over the years [3][4] - In the first half of 2025, the bank completed intellectual property pledge financing amounting to 3.813 billion yuan, leading the industry in Shenzhen [4] Group 4: Pension Financial Services - The bank has played a crucial role in enhancing pension financial services in Shenzhen, with a net increase of 609 million yuan in corporate annuities by July 2025, ranking first in the system [5] - The bank's long-term commitment to managing pension funds for workers in the Shekou Industrial Zone reflects its dedication to supporting the pioneers of China's reform and opening-up [6][7] Group 5: Green Finance Initiatives - The bank successfully launched the first green asset-backed commercial paper in the Guangdong-Hong Kong-Macao Greater Bay Area, aimed at supporting renewable energy projects [8] - This innovative financial product not only optimized the company's financial structure but also reduced its debt ratio by 0.5 percentage points, demonstrating the bank's commitment to sustainable finance [8] Group 6: Digital Transformation in Banking - The bank is enhancing its quality control processes through digital financial solutions, shifting from reactive to proactive measures in customer service [9] - The ongoing digital transformation aims to improve operational efficiency and customer experience, positioning the bank as a leader in the financial industry [9] Group 7: Customized Financing Solutions - The bank is actively supporting Chinese enterprises in their global expansion by providing tailored financing solutions, including RMB financing and currency swaps [10] - A recent case involved a central enterprise that benefited from a customized financing plan, resulting in significant cost savings during refinancing [10]