创新是产业升级的核心引擎，也是企业发展的核心竞争力。为精准支持辖内科技型企业向科技化、高端 化转型，岚山农商银行聚焦企业融资需求，推出"梯度培育、重点扶持"专项策略，通过创新金融产品、 深化政银协同、优化服务模式，有效破解行业"轻资产"融资瓶颈，为区域科创产业发展注入金融动能。 优化服务模式，匹配科创企业发展节奏 为实现金融服务精准对接，岚山农商银行进一步深化链动服务与流程优化，组建"1+N"专属服务团队， 开展常态化现场回访，根据企业研发周期、研发投入需求灵活匹配贷款方式、额度和期限，探索"长短 结合"的贷款期限形式；将企业纳入科创"白名单"，开辟绿色办贷通道，打造"一次办好"服务模式，落 实全流程限时办贷制度，"线上审批+随时审批"制度相结合，搭配利率优惠与循环用款机制，有效降低 企业融资成本。 深化政银协同，搭建全方位服务平台 精准对接需求，定制化破解融资难题 针对橡塑制造科技企业特点，该行以"一户一策"精准匹配金融方案，成功助力多家企业纾困增效。日照 市名邦橡塑有限公司作为国内一线家电制造商配套供应商，订单稳定但受应收账款账期影响，流动资金 短缺。该行在行业走访中获悉情况后，主动联动区科技局，协助企业 ...

"真没想到，银行会主动上门为我们解决两亿元资金难题，不仅利率优惠，还有贴息支持，真是企业发 展的'及时雨'。"湖南邵阳某科技公司负责人王总由衷感叹。前期，在企业技术改造的关键阶段，中信 银行邵阳分行精准对接，迅速发放贷款6107万元，并帮助企业申请贴息资金50.2万元。项目投产后，该 企业预期年新增营收10亿元，利润1.5亿元。这是中国人民银行邵阳市分行积极引导金融活水精准滴灌 科技创新实体、服务"3×3"现代化产业体系发展的一个典型案例。 近年来，中国人民银行邵阳市分行认真贯彻湖南省科技金融"八大行动"和邵阳市政府"科技创新赋能攻 坚"有关工作要求，以"行长走市县 金融送解优"行动为抓手，引导银行机构加大科技信贷投放，创新金 融产品和服务模式，开设绿色通道，优化信贷管理机制，为推动科创企业高质量发展引入金融活水。截 至2025年9月末，邵阳市各类科技创新贷款余额311.25亿元，同比增长23.27%，高于各项贷款增速18.97 个百分点。 用好机制 构建科创金融"生态圈" 在人才金融服务方面，该行联合市委人才办、市科技局更新升级"宝庆人才金融荟"综合融资服务机制， 为辖内高层次人才发放具有唯一身份属性的"宝 ...

关键词：深耕实体 金融活则经济活，金融稳则经济稳。"十五五"规划明确提出"加快建设金融强国"的战略目标，将服务实 体经济作为金融工作的出发点和落脚点，重点部署科技金融、绿色金融、普惠金融、养老金融、数字金 融"五篇大文章"。中国邮政储蓄银行深圳分行(以下简称"深圳分行")作为扎根深圳特区、兼具普惠基因 与国有大行分支行担当的金融机构，立足"服务'三农'、城乡居民和中小企业"的战略定位，紧扣深圳建 设中国特色社会主义先行示范区的发展主线，将自身发展融入国家战略与地方发展大局，以一系列精准 务实的举措，为深圳实体经济高质量发展注入强劲金融动能。 精准对接战略部署 在普惠金融方面，充分发挥69个营业网点遍布全市各区的渠道优势，让金融服务直达"最后一公里"。针 对深圳都市农业、乡村振兴帮扶领域，围绕粮食稳产保供、对口帮扶地区富民产业发展等重点，持续升 级金融产品与服务流程，自主创新推出"U粮易贷"产品，携手优合集团等核心企业打造"冷链+"金融服 务，实现对粮食产业客群的精准滴灌。在小微企业服务方面，深耕主办行制度，聚焦深圳先进制造业、 科创小微企业等群体，将服务嵌入企业全生命周期，通过产业链、产业集群批量服务模式，广 ...

作为粤港澳大湾区的地理几何中心，南沙正处于多重国家战略叠加的关键机遇期。在"南沙金融30条"的 牵引下，南沙在大湾区科技与金融创新中发挥怎样的作用？在第二十届中国经济论坛平行论坛——2025 大湾区科技与金融创新发展大会上，广州市南沙区委常委、常务副区长孙勇表示，南沙将在深化大湾区 科技金融创新中争当排头兵，携手各界共绘科技创新与金融赋能的发展蓝图。 创新载体方面，99平方公里南沙科学城加速建设，香港科技大学（广州）扎根发展，19个粤港澳联合科 技攻关项目立项；我国首艘大洋钻探船"梦想"号入列，冷泉生态系统研究装置启动建设，22家新型研发 机构集聚，全域创新活力持续迸发。 上市培育方面，南沙已培育17家上市企业，总市值超2100亿元，融资规模突破350亿元。今年5月推 出"鲲鹏计划"上市培育体系，专项开展北交所培育攻坚，助力科创企业登陆资本市场。 风投创投方面，南沙新区科创母基金入选全国区县级政府引导基金30强，撬动子基金规模超180亿元； 千亿级产业基金群加速成型，2000亿元广州产创投母基金落地运作，多只专项基金密集布局，坚定引导 社会资本"投早、投小、投科技、投南沙"。 综合服务方面，南沙推动金融机构创 ...

在金融创新领域，南沙已形成支柱性产业优势。金融业增加值在全区GDP的占比超11%，税收常年位居 行业前五，累计落地近百项金融创新成果，近40项入选国家、省、市创新案例或试点。作为全国首批跨 境贸易投资高水平开放试点和气候投融资试点地区，南沙也是华南地区最大的飞机船舶租赁集聚地，金 融开放创新能级持续提升。 孙勇重点阐述了南沙在金融赋能科技领域的五大核心举措。在融资服务方面，依托"益企共赢计划"和 100亿"粤科融"专项额度，推动21家合作银行向583家科技企业授信超68亿元，高新技术企业贷款占比超 60%；QFLP、QDLP试点企业达15家，获批额度超310亿元，实现跨境资本双向流动。 作为粤港澳大湾区的地理几何中心，南沙正处于多重国家战略叠加的关键机遇期。在"南沙金融30条"的 牵引下，南沙在大湾区科技与金融创新中发挥怎样的作用？在第二十届中国经济论坛平行论坛——2025 大湾区科技与金融创新发展大会上，广州市南沙区委常委、常务副区长孙勇表示，南沙将在深化大湾区 科技金融创新中争当排头兵，携手各界共绘科技创新与金融赋能的发展蓝图。 孙勇介绍，南沙作为承载国家级新区、自贸试验区等多重使命的重大平台，战略红利加 ...

Core Viewpoint - The 20th Central Committee of the Communist Party of China emphasizes accelerating high-level technological self-reliance and strength, with technology finance serving as a crucial support for technological and industrial innovation, driving the development of new productive forces [1] Group 1: Pain Points and Challenges in Technology Finance - The development of technology finance has faced structural obstacles, including information asymmetry, insufficient linkage between debt and equity financing, and the need for improved efficiency in service delivery throughout the lifecycle of technology enterprises [2][3][4][5][6] Group 2: AI Empowerment in Technology Finance - AI technology offers a new path to address existing challenges by enhancing data processing and pattern recognition capabilities, enabling dynamic evaluation of enterprises' true operational status and core technological strength [1][7] - AI can create precise enterprise profiles and optimize investment research decisions, facilitating the discovery and dynamic assessment of "technological credit" [1][7][10] Group 3: Key Paths for AI Empowerment - The core path of AI empowerment in technology finance involves using AI to drive precise profiling and credit reconstruction of enterprises, enabling efficient matching of financial resources based on dynamic risk assessments [7][14] - AI enhances the identification and prediction of risks associated with "technological credit," integrating risk assessment into the financial system [11][12] Group 4: Enhancements in Financing Mechanisms - AI facilitates adaptive matching of financial resources for both debt and equity financing, allowing for tailored financial solutions based on the lifecycle and risk characteristics of technology enterprises [14][15][16] - The integration of AI in investment processes improves the efficiency of due diligence and enhances the accuracy of investment decisions [15][16] Group 5: Capital Market Enhancements - AI transforms non-standard and illiquid "technological credit" into standardized and highly liquid financial assets, enhancing the operational efficiency and quality of capital markets [17][18] - AI can improve market services and inclusivity by providing deep analysis and valuation references for under-researched companies, thus attracting long-term capital [18][19] Group 6: Recommendations for Future Development - The industry should focus on strengthening green AI applications, enhancing data infrastructure, cultivating interdisciplinary talent, and establishing comprehensive risk governance paths to support the sustainable development of technology finance [20][21][22][23][24]

Group 1 - The core viewpoint of the articles highlights the efforts made by Shandong province to support small and micro enterprises in overcoming financing challenges through coordinated mechanisms and innovative financial products [3][4][6] - The Jianwei Chicken Farm in Shanting District successfully secured an 800,000 yuan loan after a collaborative effort involving local financial monitoring centers and banks, which improved its breeding efficiency by 20% [1][3] - As of the end of October, Shandong province has conducted 1,638 joint consultations, resolving financing issues for 4,977 enterprises, demonstrating a proactive approach to enhancing the financing accessibility for small businesses [3][4] Group 2 - The Shandong government has implemented a "what's missing, supplement what's missing" principle to address common financing obstacles faced by small enterprises, such as lack of collateral and poor financing connections [4] - Financial institutions are encouraged to promote credit-based financial products like "Silver Tax Interactive Loans" and "Talent Loans" to better serve small businesses lacking traditional collateral [4] - The Postal Savings Bank tailored a financial service solution for Shandong Yatai New Materials Technology Co., providing 15 million yuan in working capital loans and 30 million yuan in discount acceptance, reflecting the adaptability of financial services to meet specific enterprise needs [6]

Core Insights - The article emphasizes the commitment of Gaoyou Rural Commercial Bank to support the high-quality development of private enterprises through tailored financial services and innovative products [1][2]. Group 1: Financing Solutions - The bank has established a "one enterprise, one policy" service mechanism to address financing challenges, launching products like "Youfu Sci-Tech Loan" and "Intellectual Property Pledge Loan" to facilitate access to funds for innovative private enterprises [1]. - A total of 2 billion yuan has been allocated to the "fund pool project loan" model in key areas, with the balance of loans to private enterprises reaching 18.497 billion yuan, accounting for 75.5% of all loans [1]. Group 2: Service Optimization - Experienced client managers are designated as "financial service personnel" to provide comprehensive support, utilizing a "big data + grid + foot patrol" model to engage with over 70,000 business entities across 22 communities [1]. - The loan approval process has been streamlined, achieving an average approval time reduction of 30% through online applications and offline approvals [1]. Group 3: Growth Empowerment - Over the past three years, the bank has organized nearly 70 government-business matching events and various forums to promote the high-quality development of private enterprises [2]. - The bank plans to continue enhancing service measures, innovating products, and optimizing processes to collaboratively create a new blueprint for high-quality development with private enterprises [2].

Core Viewpoint - High-quality development is the primary task for building a modern socialist country, with the development of new productive forces being essential for achieving strategic advantages in major power competition [2] Financial Support for High-Quality Development - As of September 2025, China Bank's technology loan balance reached approximately 4.7 trillion yuan, with over 160,000 credit accounts; domestic RMB loans increased by 1.67 trillion yuan, a growth of 9.15%; loans for strategic emerging industries reached 3.12 trillion yuan, up 26.29% from the previous year [2] - China Bank is committed to supporting the transformation and upgrading of traditional industries towards intelligent, green, and integrated development [2][3] Case Studies of Financial Support - In Hebei, China Bank provided 110 million yuan to Kangnuo Food Co., enhancing production capacity by nearly three times; in Jiangsu, 350 million yuan was loaned to Nanjing High-Speed Gear Manufacturing Co. for project completion; in Tianjin, 15 billion yuan was allocated to support Tianjin Port Group in building a world-class smart port [3] - By October 2025, China Bank signed over 150 projects for equipment updates in key sectors, with a total signed amount exceeding 40 billion yuan [3] Support for Emerging Industries - Strategic emerging industries have seen their GDP contribution rise from 7.6% to over 13% in the past decade; China Bank focuses on 66 national strategic emerging industry clusters, directing financial resources towards early, small, long-term, and hard technology investments [5] - In the high-end equipment manufacturing sector, China Bank supports the domestic large cruise ship project and provides comprehensive services for the overseas sales of domestic aircraft [5] Focus on Future Industries - Future industries are seen as key to the next wave of technological revolution; China Bank is proactively positioning itself to support these industries through tailored financial services for technology entrepreneurs and researchers [7] - The bank has initiated equity investment projects in critical future industry areas, injecting venture capital into technology firms [7] Financial Ecosystem Development - China Bank is enhancing its financial supply-side structural reforms to better align with technological innovation needs, creating a specialized service network across the country [8] - The bank has introduced various innovative financial products, including intellectual property pledge loans and specialized loans for small and medium enterprises [8][9] Collaborative Efforts - China Bank has launched the "Zhongyin Sci-Tech Innovation Ecosystem Partner Program" to build innovation ecosystems in major cities and has established partnerships with over 400 investment institutions to meet diverse financing needs of technology companies [9] - As of September 2025, the cumulative supply of comprehensive technology finance services exceeded 830 billion yuan, with green loan balances surpassing 4.66 trillion yuan, reflecting a growth of 20.11% from the previous year [9] Future Outlook - As the "14th Five-Year Plan" concludes, China Bank aims to deepen financial supply-side structural reforms and continue to inject financial resources into the real economy, contributing to the construction of a modern socialist strong country [10]

Core Viewpoint - High-quality development is the primary task for building a modern socialist country, with the development of new quality productivity being essential for achieving strategic advantages in major power competition [2] Group 1: Financial Support for New Quality Productivity - As of September 2025, the balance of technology loans from the Bank of China reached approximately 4.7 trillion yuan, with over 160,000 credit accounts [2] - The domestic RMB loans increased by 1.67 trillion yuan, a growth of 9.15% compared to the beginning of the year [2] - Loans for strategic emerging industries reached 3.12 trillion yuan, growing by 26.29% from the end of the previous year [2] Group 2: Transformation of Traditional Industries - The Bank of China is focusing on financial services to support the modernization of traditional industries, facilitating their transformation towards intelligence, greenness, and integration [3] - In Hebei, the Bank provided 110 million yuan in credit to a food company, increasing its production capacity by nearly three times [3] - In Jiangsu, a loan of 350 million yuan was issued to a gear manufacturing company to support its production project [3] - In Tianjin, the Bank supported the Tianjin Port Group with 15 billion yuan in traditional bank credit and financial leasing [3] Group 3: Green and Digital Transformation - As of October 2025, the balance of clean energy loans reached 1.353 trillion yuan, an increase of 38.97% from the end of the previous year [4] - The balance of loans in the industrial internet sector grew by 46.49% since the beginning of the year [4] - The balance of domestic manufacturing loans reached 3.34 trillion yuan, growing by 12.10% from the end of the previous year [4] Group 4: Support for Emerging Industries - The strategic emerging industries' value added has increased from 7.6% to over 13% of GDP over the past decade [5] - The Bank of China is focusing on 66 national strategic emerging industry clusters, directing financial resources towards early, small, long-term, and hard technology investments [5] - The Bank has provided comprehensive services for the domestic large cruise ship project and supported the overseas sales of domestic aircraft [5][6] Group 5: Future Industry Development - The Bank of China is proactively laying out services for future industries, focusing on key areas such as quantum computing, humanoid robots, and hydrogen energy [7] - The Bank has established a financial support plan for the artificial intelligence industry chain, with over 2,300 partner firms and a credit balance exceeding 400 billion yuan [6] Group 6: Financial Ecosystem and Structural Reform - The Bank is implementing a financial supply-side structural reform to enhance the adaptability of traditional banking products to new innovation demands [8] - As of September 2025, the cumulative supply of comprehensive financial services for technology reached over 830 billion yuan [9] - The balance of green loans exceeded 4.66 trillion yuan, growing by 20.11% year-on-year [9] Group 7: Commitment to Future Development - The Bank of China aims to continue deepening financial supply-side structural reforms to inject more financial resources into the real economy [10]