针对产业链中的"卡脖子"环节和薄弱环节，银行更应集中资源重点扶持。在高端芯片制造、关键原材料 生产等技术攻坚领域，通过资金支持帮助企业引进设备、吸纳人才、加速研发，推动关键技术突破，降 低对外依赖。这种精准滴灌式的金融服务，既能保障产业链供应链安全稳定，又能提升我国制造业在全 球产业链中的地位，为国内大循环夯实产业根基。 做强国内大循环是一项系统工程，银行的作用贯穿消费、产业、供应链等多个维度。在复杂多变的国际 环境中，银行的主动作为将为中国经济的稳定增长提供坚实支撑，助力国内大循环展现更强韧性与活 力。 （文章来源：证券日报） 为放大消费的拉动效应，银行应携手电商平台、线下零售、文旅机构等市场主体，共建多元消费生态。 与电商平台联合推出满减、分期免息等活动，激发线上消费活力；与线下商超合作开展消费返现、积分 兑换，重燃线下消费热情；与文旅企业共创旅游套餐信贷产品、景区门票优惠金融方案，不仅有助于便 利消费者，更推动服务消费提质扩容。 在激活消费市场的同时，银行更应聚焦经济增长的新引擎，加大对新质生产力和新兴服务业的金融支 持。新质生产力是经济发展的"加速器"和内生动力的"核心引擎"，新兴服务业则代表经济新趋 ...

Core Viewpoint - The China Postal Savings Bank is actively supporting disaster-stricken areas by providing financial services and tailored assistance to affected businesses and individuals, ensuring the continuity of essential financial services during extreme weather events [1][5]. Group 1: Financial Services Response - The bank's branches have implemented 24-hour service operations in severely affected areas, ensuring that 49 outlets continued to operate under extreme conditions, providing shelter and charging facilities for the public [1][5]. - The bank has established emergency service windows to prioritize disaster relief funding, ensuring timely disbursement of funds to those in need [5]. Group 2: Tailored Assistance for Affected Clients - The bank has introduced a "one household, one policy" support scheme to address the urgent needs of small and micro enterprises and farmers affected by the disasters [1][3]. - In Hebei, the bank quickly provided 150,000 yuan (approximately 21,000 USD) in credit to a mushroom farmer to assist with repairs and purchasing supplies [2]. - The bank has opened a special loan approval green channel for businesses, completing a 5 million yuan (approximately 700,000 USD) credit approval for a construction company affected by the floods [2]. Group 3: Policy Measures for Long-term Recovery - The bank is offering various policy measures such as loan extensions, repayment adjustments, and interest-free renewals to clients facing temporary repayment difficulties [3]. - The Beijing branch provided a 5 million yuan (approximately 700,000 USD) loan secured by intellectual property to a small enterprise, helping to reduce financing costs and support recovery efforts [3]. Group 4: Community Support and Social Responsibility - The bank has mobilized resources to provide emergency supplies worth nearly 250,000 yuan (approximately 35,000 USD) to disaster-stricken areas, including raincoats, food, and drinking water [5]. - Internal fundraising efforts have raised 11,600 yuan (approximately 1,600 USD) for purchasing urgent supplies, demonstrating the bank's commitment to social responsibility [5].

Core Viewpoint - Postal Savings Bank of China Beijing Branch has actively responded to the severe flooding in Beijing from July 23 to 29, implementing emergency plans to support disaster recovery and ensure uninterrupted financial services for affected residents and businesses [1][2][3]. Group 1: Financial Services - The bank has introduced a series of relief measures for disaster-affected customers, including loan extensions, deferred repayments, and waiving overdue interest to alleviate financial pressure [2]. - A total of approximately 20 million yuan has been involved in loan extensions and deferrals for affected enterprises [2]. - The bank has established a green approval channel to prioritize processing for severely affected clients, ensuring rapid access to reconstruction funds [2][3]. Group 2: Support for Reconstruction - The bank has conducted a thorough assessment of the disaster's impact, reaching out to 656 clients to understand their operational challenges and funding needs [3]. - Customized financial solutions, including on-site services and preferential interest rates, have been offered to businesses and individuals involved in disaster recovery [3]. - A "Rural Revitalization Volunteer Service Team" has been formed to provide financial assistance and support to agricultural enterprises and individual businesses in severely affected areas [3]. Group 3: Community Engagement - The bank has mobilized resources to provide emergency supplies such as raincoats, food, and drinking water to disaster-stricken areas [4]. - Internal fundraising efforts have raised 11,600 yuan for purchasing essential supplies for the affected regions [4]. - The bank has collaborated with local veteran affairs departments to deliver aid and support to frontline rescue teams [4]. Group 4: Operational Resilience - The bank's branches have implemented 24-hour monitoring and emergency response measures to ensure safety and continuity of services during the flooding [6]. - Despite some branches being temporarily closed due to road collapses and network disruptions, 49 other financial service outlets continued to operate safely [6]. - Simplified processes for clients to replace lost documents and dedicated customer service hotlines have been established to assist affected customers [6]. Group 5: Future Commitment - The bank is committed to ongoing support for disaster recovery efforts, focusing on policy support, financial services, and material assistance to help affected residents rebuild their lives [7]. - The bank aims to play a pivotal role in the economic recovery of the disaster-stricken areas, contributing to the region's social and economic development [7].

Core Viewpoint - The People's Bank of China and six other departments have jointly issued the "Guiding Opinions on Financial Support for New-Type Industrialization," which aims to enhance financial support for key industries and promote technological innovation and industrial upgrading [1][12]. Group 1: Financial Support for Key Industries - Financial institutions are encouraged to provide medium- and long-term financing for key manufacturing sectors such as integrated circuits, industrial mother machines, medical equipment, servers, and advanced materials [5][14]. - The policy aims to enhance the financing accessibility for small and micro enterprises in the manufacturing sector [6][20]. Group 2: Support for Emerging Industries - The guidance supports financing for emerging industries like new-generation information technology, smart vehicles, renewable energy, and biomedicine in multi-tiered capital markets [7][18]. - It emphasizes the importance of long-term capital and patient investment to accelerate the transformation of technological achievements into commercial applications [15][18]. Group 3: Enhancing Financial Services for Traditional Manufacturing - Financial institutions are directed to optimize credit policies to support the high-end, intelligent, and green development of traditional manufacturing [17][24]. - The guidance encourages the use of diverse financial tools, including loans, bonds, and insurance, to support the digital transformation of manufacturing enterprises [17][24]. Group 4: Green Finance and Sustainable Development - The policy promotes the establishment of a financial standard system to support the green and low-carbon transformation of high-carbon industries [19][26]. - It encourages the development of green financial products and the application of green credit and bonds in manufacturing [19][26]. Group 5: Strengthening Digital Financial Services - Financial institutions are urged to leverage technologies like big data and blockchain to enhance service efficiency for manufacturing, especially for small and medium-sized enterprises [20][21]. - The guidance supports the construction of digital financial service platforms to facilitate financing and cash management for the manufacturing sector [20][21]. Group 6: Policy Coordination and Risk Management - The document emphasizes the need for coordination between financial and industrial policies to create a supportive environment for new-type industrialization [26][27]. - It calls for the establishment of a joint risk assessment mechanism to monitor and manage financial risks associated with industrial projects [27][28].

Core Points - Jiangsu Province has issued the "Implementation Opinions on Promoting Collaborative Innovation Development between High-tech Zones and Higher Education Institutions" to create a deep integration system of technological and industrial innovation unique to Jiangsu [1] - The goal is to achieve full coverage of the "dual high collaboration" model by 2027, focusing on the collaboration between technology enterprises and innovation teams from universities [1][2] - The plan includes establishing over 80 innovation platforms and training more than 2,000 graduate students, with a target to double the patent technology conversion rate and increase conversion contract payments by over 30% [1][2] Summary by Sections Implementation Phases - The "dual high collaboration" will be implemented in two phases: a pilot phase from 2025 to 2026 and a comprehensive coverage phase in 2027 [2] - During the pilot phase, 1-2 high-tech zones and universities in each district will be selected to explore a "five-in-one" integration development system [2] Major Tasks - The implementation includes six major tasks: promoting the transformation of high-tech zones, advancing comprehensive reforms in higher education, tackling key core technology challenges, enhancing high-level technology achievement conversion, deepening talent cultivation through industry-education integration, and promoting resource sharing [2][3] Support Measures - Jiangsu Province will introduce various measures to support the pilot high-tech zones and universities, including the establishment of innovation platforms and funding for key technology projects [3] - The province will prioritize the recommendation of pilot projects for national-level major innovation platforms and support the establishment of high-value patent cultivation centers [3] Pilot Units - Recently, 18 high-tech zones and 37 higher education institutions have been designated as pilot units for the "dual high collaboration" initiative [4]

Core Viewpoint - The event "Thousand Enterprises and Ten Thousand Households Visit" focuses on empowering specialized and innovative enterprises in Hunan through financial support, aiming to contribute to high-quality regional development [1][3]. Group 1: Specialized and Innovative Enterprises - Specialized and innovative enterprises are defined as small and medium-sized enterprises characterized by specialization, refinement, uniqueness, and novelty, serving as a backbone for developing new productive forces [3]. - Hunan Province has integrated various resources to support the growth of specialized and innovative enterprises, with over 540 national "little giant" enterprises and more than 6,300 provincial specialized and innovative SMEs [3]. Group 2: Financial Support Initiatives - Changsha Bank has served over 3,500 technology-based enterprises, with 53.46% being specialized and innovative enterprises, and plans to focus on strategic alignment, innovation empowerment, and local ecosystem development [3][4]. - The bank introduced various financial products to address the financing challenges faced by specialized and innovative enterprises, including "Talent Loan," "Intellectual Property Pledge Loan," and "Knowledge Value Credit Loan," with the latter offering up to 30 million yuan without requiring third-party collateral [6]. Group 3: Collaborative Efforts - The event featured presentations from Changsha Bank, the Hunan Provincial Technology Achievement and Technology Market Association, and Hunan Xiangcheng Financing Guarantee Co., Ltd., providing a comprehensive package of support for enterprise innovation and development [6]. - A signing ceremony took place to deepen collaboration among financial institutions and support the development of specialized and innovative enterprises, with follow-up visits planned to understand their needs better [6].

Core Viewpoint - The establishment of a comprehensive pilot action plan for intellectual property finance in Beijing aims to address key issues in registration, evaluation, disposal, and compensation, enhancing the financial ecosystem for intellectual property [1][2]. Group 1: Registration Issues - To tackle the "registration difficulty," the plan enhances offline service convenience by setting up comprehensive service points for intellectual property finance at bank branches and registration service halls, allowing for "one-stop" services for pledge registration and financing consultation [1]. - The initiative includes the publication of operational guidelines for intellectual property pledge registration and the establishment of a green channel for copyright pledge registration, aiming to shorten processing times [1]. Group 2: Evaluation Challenges - For the "evaluation difficulty," the plan encourages banks to determine the value of intellectual property pledge loans under 10 million yuan through internal assessments or negotiations, and allows certain institutions to expand their internal evaluation scope [2]. - Government departments are urged to provide data, models, and system support for intellectual property value assessment, and the exploration of an intelligent evaluation model and industry reports in Beijing is encouraged [2]. Group 3: Disposal Mechanisms - To address the "disposal difficulty," the plan aims to improve the intellectual property transaction mechanism and promote the establishment of specialized disposal platforms, enhancing the activity level of intellectual property transactions [2]. - Financial institutions are encouraged to collaborate with intellectual property circulation centers to facilitate the transfer and disposal of intellectual property [2]. Group 4: Future Initiatives - The plan outlines the intention to organize pilot projects with financial institutions and administrative regions that have a solid foundation in intellectual property finance, high development potential, and active participation [2]. - There will be a management system for pilot institutions and regions, with an emphasis on daily evaluation and exit management, while encouraging the introduction of detailed measures and innovative initiatives to promote a virtuous cycle of "technology-industry-finance" [2].

Group 1 - As of the end of June, the banking sector in Sichuan reported total assets of 17.85 trillion yuan, liabilities of 17.26 trillion yuan, deposits of 13.9 trillion yuan, and loans of 12.71 trillion yuan, reflecting year-on-year growth of 9.34%, 9.35%, 10.21%, and 11.43% respectively [1] - The insurance sector in Sichuan achieved original insurance premium income of 184.14 billion yuan in the first half of the year, marking a year-on-year increase of 2.96% [1] Group 2 - Personal consumption loans in Sichuan grew by 6.09% year-on-year, with loans for cultural and tourism sectors increasing by over 19% [2] - Loans to the manufacturing sector increased by 9.46% year-on-year, with medium and long-term loans rising by 13.16%, which is 1.74 percentage points higher than the average growth rate of all loans [2] - Financial support for key agricultural areas saw significant increases, with inclusive agricultural loans, loans for key grain sectors, and loans for basic farmland construction growing by 6.35%, 29.38%, and 35.30% respectively [2] - The average annual interest rate for newly issued inclusive agricultural loans continued to decline, down by 45 basis points compared to 2024 [2] - Risk protection for the three major grain crops in Sichuan provided 20.77 billion yuan in coverage, with total compensation payments of 7.99 million yuan benefiting 368,500 households [2] Group 3 - The balance of technology loans in Sichuan increased by 40.18% year-on-year, with a total of 10 loans issued under the technology enterprise merger loan pilot program, amounting to 2.178 billion yuan [3] - Five major banks in Sichuan plan to establish 11 AIC equity investment funds, with an intended investment amount of 9.5 billion yuan, of which 3 funds totaling 3 billion yuan have already been established [3] - The balance of intellectual property pledge loans in Sichuan grew by 21.49% year-on-year [3]

Core Viewpoint - The Beijing Intellectual Property Financial Ecosystem Comprehensive Pilot Action Plan aims to establish a convenient, efficient, and well-structured intellectual property financial ecosystem by 2027, promoting a positive interaction between intellectual property, industry, and finance [1][2][3]. Overall Requirements - The plan emphasizes the importance of financial support for technological innovation and cultural development in Beijing, aiming to enhance the conversion and application of intellectual property achievements and improve the quality of financial services for the real economy [2]. Specific Tasks - **Facilitation of Intellectual Property Pledge Registration**: The plan includes measures to streamline the pledge registration process, including a fully paperless online registration system and the establishment of comprehensive service points for financing consultations [3][4]. - **Strengthening Intellectual Property Value Assessment**: It encourages banks to develop internal assessment systems for intellectual property value, promoting the use of standardized evaluation guidelines and tools [4][5]. - **Upgrading Financial Services**: The plan aims to optimize internal mechanisms within commercial banks, enhance the variety of financial products, and support innovative financing models based on intellectual property [5][6][7]. Mechanism for Intellectual Property Transactions - The plan encourages the establishment of specialized platforms for the disposal of intellectual property assets and promotes the active trading of intellectual property rights through various financial instruments [6][7]. Collaboration Mechanism - It emphasizes the need for a robust risk-sharing and compensation mechanism, enhancing data sharing and financial service capabilities to support the financing of intellectual property pledges [8][9]. Support Measures - The plan outlines the establishment of a pilot work mechanism to coordinate efforts across various departments, ensuring the effective implementation of the action plan [8][9].

Core Viewpoint - The strategic cooperation agreement between Beijing Rural Commercial Bank Economic and Technological Development Zone Branch and Yichuang Alliance marks the beginning of a new chapter in intellectual property pledge loan business, enhancing financial services for high-tech enterprises in the region [1][2]. Group 1: Strategic Cooperation - The partnership exemplifies the concept of "one plus one is greater than two," focusing on "financing + intelligence" to accelerate the realization of intellectual property capital value [2]. - The collaboration aims to address core issues faced by technology-based SMEs, such as "financing difficulties" and "valuation challenges," through deep cooperation in intellectual property assessment, pledge financing, and risk sharing [2]. Group 2: Financial Impact - As of now, the Economic and Technological Development Zone Branch has completed 9 intellectual property pledge loan transactions, with a total financing amount exceeding 112 million yuan, benefiting multiple high-tech enterprises in the region [2]. - The initiative helps convert intellectual property into assets, thereby revitalizing intangible assets and stimulating innovation [2]. Group 3: Future Plans - The bank plans to deepen cooperation with Yichuang Alliance to better serve technology-driven SMEs and facilitate the transformation of intellectual property into productive forces [3]. - Future actions include enhancing promotional efforts, optimizing business processes, exploring comprehensive service models combining intellectual property and finance, and improving risk prevention measures [2].