作为金融市场的重要组成部分，票据市场紧密连接着实体经济与金融体系，票据成为其中的关键工具之 一，金融机构通过票据服务实体企业也有不少颇具特色和亮点的案例涌现。近日，《金融时报》记者将 目光聚焦于票据市场的两大核心参与者——商业银行与财务公司，看看他们是如何运用票据功能服务科 技企业，同时，又如何持续创新，实现金融服务的优化升级。 从需求出发 受制于高研发投入、长回报周期的特性，资金短缺一直是制约科创企业发展的关键因素。随着金融服务 科创领域政策体系的不断完善，从专项贴息支持到差异化监管引导，银企之间的票据融资协同模式加速 升级，票据贴现凭借灵活高效、成本可控的优势，逐步突破传统融资边界，成为科创企业优化资金周 转、保障研发投入的重要融资工具之一。 工商银行的"专精特享贴""科技创享贴"等"工银享贴"系列创新产品、浦发银行的"浦银e贴"数字产品、浙 商银行（601916）的"贴现通"服务、宁波银行的"票据好管家"服务……跳出"大而泛"，深耕"专而强"， 金融机构票据服务的创新巧思就藏在一个又一个与票据贴现有关的产品与服务之中。这些创新并非纸上 谈兵，而是紧扣市场需求，从需求洞察到产品落地，从功能设计到服务延伸， ...

Core Viewpoint - Ningbo Bank Shanghai Branch has been committed to serving the local economy and supporting innovation and small enterprises over the past 18 years, aligning its strategies with the development of Shanghai as an international financial center [1][12]. Group 1: Support for Technology and Innovation - The bank has established a Technology Innovation Approval Center and a team of 100 experts to provide comprehensive financial support for technology enterprises throughout their lifecycle, issuing loans totaling 46.1 billion yuan to 1,140 tech companies in 2024 [2]. - The "Technology Loan" and "Talent Loan" products assist startups, while "Growth Loan" and "Partner Loan" support growing companies, and mature firms receive acquisition loans and bond underwriting services [2]. Group 2: Inclusive Finance for Small and Micro Enterprises - The bank has developed various financial products like "Fast Approval Fast Loan" and "No Principal Renewal Loan" to address the urgent financing needs of small and micro enterprises, providing over 20 billion yuan in inclusive loans in 2024 [5]. - The implementation of a no-principal renewal loan policy has helped 418 enterprises save over 100 million yuan in financing costs, ensuring the stability of their cash flow [5]. Group 3: Digital Transformation and Future Banking - The bank is advancing its digital transformation by offering integrated financial services through platforms like "Treasury Manager" and "Foreign Exchange Manager," serving over 1,000 corporate clients with an annual transaction volume exceeding 15 trillion yuan [7]. - The "Beautiful Life" service platform has distributed over 290,000 coupons to 380,000 residents, integrating financial services into daily life [7]. Group 4: Commitment to Social Responsibility - The bank actively supports the development of the Yangtze River Delta and the Shanghai Free Trade Zone, providing cross-border financing exceeding 1.1 billion USD to 263 enterprises in 2024 [8]. - It focuses on serving private enterprises by offering tailored financial services to meet their diverse needs [8]. Group 5: Future Outlook - The bank aims to enhance its professional, digital, platform, and international strategies, positioning itself as a financial partner that helps clients find and save money while supporting employees' well-being [11][12]. - As it celebrates its 18th anniversary, the bank is poised to leverage opportunities in Shanghai's financial landscape, continuing its commitment to innovation and practical service [11][12].