中国质量新闻网讯 近日，以"推动专利转化 赋能产业创新"为主题的2025青海省海西州知识产权转化暨 质押融资对接会在德令哈市、都兰县成功举办。 对接会旨在贯彻落实《专利转化运用专项行动方案（2023—2025年）》，搭建知识产权供需对接平台， 推动"知产变资产"与产业深度融合，为海西州经济高质量发展注入新动能。来自高校、科研院所、金融 机构及企业代表等110余人现场参加会议，400余名企业代表通过线上直播方式参会。 对接会上，高价值专利成果路演引发关注。中国科学院青海盐湖研究所与青海大学分别进行了"碱式硫 酸镁晶须的可控制备与应用"及"高寒高海拔地区多能互补供暖应用技术"的路演展示。前者依托青海盐 湖资源，突破镁系材料技术瓶颈，后者针对青藏高原特殊气候，提供清洁能源供暖解决方案，两项专利 成果不仅彰显科研机构服务地方产业的精准定位，更为企业技术升级提供了优质选择，现场吸引多家企 业关注。邮政储蓄银行海西分行介绍的"知识产权质押贷"，工商银行海西支行推出的"科创贷"等专属融 资产品。通过灵活质押模式为企业融资开辟新路径。精准的金融服务为知识产权价值转化提供了坚实保 障，破解科技型企业"轻资产、融资难"的痛点，助 ...

Group 1 - The core viewpoint of the articles highlights the proactive role of Chengwu Rural Commercial Bank in supporting local economic development through tailored financial services and innovative products [1][2] - Chengwu Rural Commercial Bank has established a "grid-based, exclusive, and normalized" service system, forming 26 specialized financial service teams to identify customer needs and provide comprehensive coverage for project financing [1] - The bank promotes innovative financial products such as "intellectual property pledge loans" and "science and technology innovation loans" to meet diverse funding needs of enterprises at different development stages [1] Group 2 - To enhance credit service efficiency, Chengwu Rural Commercial Bank has implemented a time-limited processing system, simplified loan procedures, and opened a fast-track service for quick loan approvals [2] - The bank is increasing credit allocation to small and micro enterprises, adjusting loan terms and repayment methods based on production and sales cycles to alleviate repayment pressure [2] - Chengwu Rural Commercial Bank aims to continue its commitment to local service, improve service mechanisms, and optimize financial products to contribute to rural industry prosperity and the development of the real economy [2]

Group 1 - The company is a specialized "little giant" in high-end equipment manufacturing, focusing on aerospace components with micron-level precision [1] - The company has faced challenges such as insufficient funding for raw material procurement and high-end equipment upgrades, limiting its ability to meet research and production needs [1] - A breakthrough occurred when the company was able to use its 37 core patents as collateral for a loan, receiving 10 million yuan in "intellectual property pledge loans" from a local bank [1] Group 2 - The successful implementation of the intellectual property pledge loan has alleviated the company's previous financial constraints, allowing for an increase in new orders and production activity [2] - The bank's initiative addresses common issues faced by technology-driven enterprises, such as lack of collateral for light assets and difficulties in valuing core technology patents [2] - By July 2025, the bank had provided similar services to multiple specialized and innovative enterprises, effectively linking technology and finance [2]

Core Viewpoint - The banking industry in Zibo is actively supporting high-quality economic development through innovative financial services and products, focusing on technology-driven enterprises, green finance, and small and micro enterprises [1][3][15]. Group 1: Financial Support for Innovation and Technology - Zibo has been recognized as a national innovation city, ranking among the top fifty in both innovation index and capability, largely due to the financial sector's support for technology-driven enterprises [3]. - The Zibo Financial Regulatory Bureau has implemented policies to enhance financial support for technology innovation, including the establishment of a database for technology enterprises and the introduction of specialized loan products [3][4]. - As of June 2025, the total balance of technology loans in Zibo exceeded 628.69 billion yuan, reflecting a strong commitment to financing innovation [3]. Group 2: Green Finance Initiatives - Zibo's banking sector is promoting green finance in alignment with national carbon reduction strategies, with green credit balances reaching 853.98 billion yuan by June 2025, an increase of 133.19 billion yuan from the beginning of the year [16]. - Innovative financial products, such as sustainable development-linked loans, are being introduced to encourage companies to adopt environmentally friendly practices [17]. Group 3: Support for Small and Micro Enterprises - The banking industry in Zibo has established a comprehensive financial service system for small and micro enterprises, with a loan balance of 1,085.29 billion yuan as of June 2025, marking a year-on-year increase of 116.29 billion yuan [21]. - The average interest rate for newly issued loans to small and micro enterprises has decreased to 3.79%, indicating a more favorable lending environment [21]. Group 4: Financial Services for Agriculture and Rural Development - The banking sector is actively supporting rural development and agricultural enterprises, with a focus on enhancing credit systems and providing tailored financial solutions [36][40]. - Specific initiatives include the provision of low-interest loans to support agricultural production and the establishment of credit systems in rural areas [36]. Group 5: Digital Transformation in Banking - Zibo's banking institutions are advancing digital transformation strategies, with a reported loan balance for the digital economy reaching 8.6 billion yuan by June 2025, reflecting a growth rate of 26.47% [29]. - The focus on digital finance aims to enhance compliance management and improve customer engagement with digital financial products [29]. Group 6: Comprehensive Financial Services for Elderly Care - Zibo is developing a multi-layered financial support system for elderly care, including specialized loan products and pension account services, with over 552,448 personal pension accounts opened by June 2025 [33]. - Financial institutions are also providing loans to support the construction and operation of elderly care facilities, enhancing the overall quality of services available to the aging population [33].

Group 1: Economic Development - Fengtai District's GDP reached 121.42 billion yuan in the first half of the year, with a year-on-year growth of 5.1% [1] - Fixed asset investment in Fengtai District amounted to 49 billion yuan, showing a year-on-year increase of 14.2% [1] Group 2: Innovation and Technology - Over 28,500 new enterprises were established in Fengtai District in the first eight months of the year, marking a 136% year-on-year increase, the highest growth rate in the city [2] - Fengtai District aims to create three highlands: a gathering place for technology enterprises, a new industry development highland, and an innovation ecosystem focused on results transformation [2] - The district has established the first intelligent hardware incubator in the city and launched 20 industrial models in the intelligent manufacturing sector [3] Group 3: Environmental and Urban Development - Fengtai District's PM2.5 concentration dropped to 27.1 micrograms per cubic meter, a year-on-year decrease of 15.3% [4] - The district has achieved a forest area exceeding 9,400 hectares and a green coverage rate of 48% [4] - The "Garden City" initiative has integrated floral elements into daily life, with flower sales exceeding 500 million yuan in the first half of the year [5] Group 4: Talent Development - Fengtai District has created 64,000 internship and employment positions, supporting talent development through various initiatives [6] - The district has established partnerships with over 50 universities to enhance talent recruitment and innovation [6] - The "Youth+" initiative aims to create a youth-friendly ecological urban area, fostering entrepreneurial activities among young people [7]

Core Viewpoint - Beijing's Fengtai District is rapidly developing its economy and innovation capabilities, with significant growth in GDP and fixed asset investment, positioning itself as a hub for technology and innovation [1][3]. Economic Development - Fengtai District's GDP reached 121.4 billion yuan, growing by 5.1% year-on-year, while fixed asset investment totaled 49 billion yuan, marking a 14.2% increase [1]. - In the first eight months of the year, over 28,500 new enterprises were established in Fengtai, representing a 136% year-on-year increase, the highest growth rate in the city [3]. Innovation and Technology - Fengtai is focusing on three high grounds: a gathering place for technology enterprises, a development base for emerging industries, and an innovation ecosystem oriented towards results [3]. - The district has established the first private enterprise innovation center and has seen a significant increase in technology-based enterprises, accounting for 14% of the city's total [5]. Industry Highlights - Fengtai is a leader in the aerospace sector, with 80% of China's rocket launches originating from the district [5]. - The district has developed a smart manufacturing incubator and is enhancing its capabilities in intelligent medical engineering and commercial aerospace [5]. Environmental Initiatives - Fengtai has achieved a PM2.5 concentration of 27.1 micrograms per cubic meter, a 15.3% decrease year-on-year, and has a green coverage rate of 48% [6]. - The district's park green space service coverage reaches 91.69%, with an average of 12.44 square meters of park green space per person [8]. Talent Development - Fengtai District prioritizes talent as a key resource for innovation, implementing policies to attract and support various talents, including providing over 300 rent-free or reduced-rent workspaces for young innovators [9]. - The district has established partnerships with over 50 universities to enhance talent development and has launched initiatives to create job opportunities for students [10].

Group 1 - Core viewpoint: Xuzhou Rural Commercial Bank focuses on technology finance to support the development needs of technology-based enterprises [1][3] - The bank's Qianshan branch identifies funding pain points for technology companies in R&D, equipment upgrades, and market expansion, providing strong financial support for technological breakthroughs and industrial upgrades [1] - Jiangsu Longwei New Energy Materials Co., Ltd. received a financing solution of 10 million yuan for equipment investment, leading to a doubling of production capacity and reduced costs [1] Group 2 - Xuzhou Mechanical Technology Co., Ltd. benefited from a 5 million yuan credit increase, enabling full-capacity operation and strong growth momentum [2] - The bank established a green channel mechanism to improve financing efficiency, reducing average loan processing time to 5 working days [2] - A total of 1.8 billion yuan was financed to 26 technology enterprises, with 80% being first-time borrowers, effectively broadening financing pathways [2] Group 3 - The practices of Qianshan branch reflect Xuzhou Rural Commercial Bank's commitment to developing technology finance as a key service area [3] - The bank aims to provide more precise products, efficient services, and broader platforms to support the growth of technology-based enterprises [3] - The initiative is part of a broader strategy to inject stronger development momentum into local economic growth [3]

Core Viewpoint - The "Action Plan" issued by the Ministry of Industry and Information Technology and the State Administration for Market Regulation aims to guide the expansion, technological breakthroughs, and resilience enhancement of the electronic information manufacturing industry, emphasizing the need for banks to provide comprehensive financial support to ensure stable growth [1] Group 1: Financial Innovation and Support - Banks are actively exploring ways to serve electronic information manufacturing enterprises, exemplified by the "Science and Technology Credit Loan" which enabled a company to secure 20 million yuan quickly, resulting in over 53% year-on-year revenue growth in the first half of 2025 [2] - Various innovative financial products have been launched to address the high R&D investment and insufficient collateral issues faced by electronic information manufacturing companies, including "Innovation Points Loan" and "Intellectual Property Pledge Loan" [2] - A comprehensive financing solution combining policy loans and special subsidies was tailored for a semiconductor company, providing 95 million yuan in low-cost loans to facilitate technological breakthroughs [2] Group 2: Cross-Border Financial Services - Cross-border financial services are being upgraded to meet the "going out" needs of electronic information manufacturing enterprises, with a service plan that converts "intangible credit" into "tangible funds" to help companies mitigate exchange rate risks and accelerate capital turnover [3] - Banks are encouraged to develop customized financial products based on the specific funding needs of different enterprises, promoting services like intellectual property pledges and accounts receivable pledges [3] Group 3: Supply Chain Financial Support - The banking sector is leveraging supply chain finance to alleviate funding bottlenecks in the industry chain, providing innovative products to support core enterprises while injecting growth momentum into related businesses [4] - A bank provided 11 million yuan in funding to a national-level specialized enterprise to support its capacity expansion amid rising market demand [4] Group 4: Comprehensive Service Models - Banks are establishing online service platforms for electronic information enterprises, allowing them to submit financing requests 24/7, ensuring seamless integration of online and offline services [6] - In addition to financing support, banks are extending their service offerings to include cross-border settlement, foreign exchange hedging, and overseas financing, enhancing the global competitiveness of enterprises [6] - The banking industry is shifting from "single-point financing support" to "full-chain ecological services," emphasizing the need for deeper engagement with the electronic information manufacturing sector [6]

Core Insights - The recent expansion of a security technology company in Shandong has led to a significant increase in order volume, necessitating funding for raw material procurement, which was addressed by Tai'an Bank through a tailored financial service solution [1] - Tai'an Bank aims to enhance its role as a boutique bank by focusing on excellent performance, employee trust, customer satisfaction, regulatory compliance, and government recognition, while increasing financial support for technological innovation [1][3] Group 1 - Tai'an Bank provided a 2 million yuan small and micro technology achievement transformation loan to alleviate the financial pressure on the company, ensuring smooth project progress [1] - As of the end of August, Tai'an Bank's loans to innovative enterprises reached 7.396 billion yuan, an increase of 461 million yuan since the beginning of the year, benefiting 430 innovative enterprises [1] Group 2 - The bank focuses on serving specialized and innovative "little giant" companies, gazelle enterprises, "single champions," and unicorns in strategic emerging industries such as energy conservation, high-end equipment manufacturing, biotechnology, new energy, and new materials [3] - Tai'an Bank has developed financial products tailored to the characteristics of innovative enterprises, such as specialized loans, technology achievement transformation loans, and intellectual property pledge loans, offering long terms, high limits, and flexible repayment options [3] Group 3 - The bank has implemented a leadership group to enhance financial support for innovative enterprises, ensuring strategic planning and resource allocation for technology finance [1][3] - By leveraging big data and technology, Tai'an Bank has upgraded its credit business and risk control processes, creating an online credit loan product matrix to facilitate efficient financing applications for enterprises [3]

Group 1 - A company in Shandong urgently needed funds for raw material procurement due to significant business expansion and increased order volume, leading to a timely loan of 2 million yuan from Tai'an Bank to alleviate financial pressure and ensure project progress [1] - Tai'an Bank aims to create a high-quality banking model recognized by employees, customers, regulators, and shareholders, increasing its support for technology innovation with a loan balance of 7.396 billion yuan for sci-tech enterprises, an increase of 461 million yuan since the beginning of the year, benefiting 430 companies [1] - To ensure effective financial services for technology enterprises, Tai'an Bank established a leadership group to oversee the planning and resource allocation of its technology finance strategy, implementing specialized approval mechanisms and incentive systems to encourage lending [1][3] Group 2 - Tai'an Bank focuses on serving regional economic development by targeting specialized and innovative "little giants," gazelle enterprises, and "single champions" in strategic emerging industries such as energy conservation, high-end equipment manufacturing, and new materials [3] - The bank has developed financial products tailored to the characteristics of technology enterprises, such as specialized loans and intellectual property pledge loans, offering flexible terms and high limits to support companies at different growth stages [3] - Tai'an Bank enhances service quality by leveraging big data and technology to streamline credit processes and improve efficiency, while also providing training to develop a team proficient in technology and business to meet the financing needs of enterprises [4]