其次，保险公司可发挥风险保障与增信赋能的双重作用。研发保险可为研发投入构建"风险防护网"，间接增强研发贷款资金的安全性；贷款履约保证保 险等产品可替代传统抵押担保，有效降低银行授信顾虑，拓宽企业融资渠道。 最后，金融机构依托集团多元化牌照优势，构建起了"投保贷"一体化服务生态，通过全链条服务模式为中小微企业精准匹配所需金融服务。 记者了解到，为缓解金融机构与企业之间双向信息不对称的难点，上海普惠金融顾问制度于2022年9月正式启动，坚持公益性定位，集合上海主要金融 机构资源为广大企业提供金融问诊、融资规划、上市辅导等专业咨询服务，推动金融服务与实体经济深度融合。 在互动环节，上海酷班生物科技有限公司、上海风领新能源有限公司、上海市世好食品股份有限公司等企业代表介绍了各自的发展情况，并就融资难、 融资贵等现实痛点与普惠金融顾问展开了深入交流。 在中小微企业成长过程中，不免遇到这样的时刻：一笔宝贵的订单突然来临，周转资金却捉襟见肘；计划升级设备、扩张产能，却因资金压力而踌躇不 前；眼见市场机遇转瞬即逝，却因融资困难而错失良机…… 对此，来自上海市担保基金管理中心、交通银行、人保财险、申万宏源证券、海通恒信融资租赁 ...

Core Insights - The 19th Shanghai Financial Services for the Real Economy Fair (referred to as "Jin Qiao Hui") successfully held a special event in Jinshan District, focusing on directing financial resources to the real economy [1] Group 1: Event Overview - The event gathered representatives from government departments, financial institutions, parks, and enterprises to promote precise financial support for the real economy [1] - The Jinshan District has introduced specific policies to support insurance premiums for technology-based enterprises, encouraging the development of innovative insurance products [5] Group 2: Financial Services and Support - Companies such as Shanghai Yongsheng Packaging Co., Shanghai Xianglun New Materials Technology Co., and others expressed their operational and financing concerns during the interactive session [4] - Financial advisors from various institutions provided specific suggestions for financing issues, including the use of technology-based loan products for advanced manufacturing enterprises [5][6] - Insurance companies can offer research and development insurance during project processes to enhance the security of R&D loans, thereby reducing banks' credit concerns [6] - In cases where factory assets cannot be effectively mortgaged, companies may consider using leasing companies to activate production line equipment to alleviate financial pressure [7] Group 3: Future Initiatives - The Jin Qiao Hui will continue to innovate its format and content, with over ten special "park tours" planned before the end of the year, and an online exhibition lasting until September 2026 [7] - The fair aims to enhance the quality and effectiveness of financial services, aligning with Shanghai's mission to support the real economy [7]