加码赋能科技产业，精准服务科创需求。继去年底发布首批科技支行名单之后，兴业银行总行近日又授 牌第二批科技支行，厦门杏林支行入选，并于8月20日正式挂牌。由此，兴业银行厦门分行努力谱写的 科技金融大文章，再添"专业写手"——金融"科技专员"贴身贴心服务企业；更精准更及时更全面体察科 技企业需求痛点；全链条、全生命周期为科技企业输送"金融营养液"。 精准服务 陪伴企业成长 此番挂牌"科技支行"的杏林支行，已成立30余年。该支行辐射范围覆盖软件园三期、电子城创新中心、 海翼智能制造园区、马銮湾科技产业园等科技产业聚集区，存量科技金融客户近800户，支行团队具有 丰富的科技金融客户服务经验。 杏林支行陪伴成长的科技企业有很多，HM公司是其中之一。该公司是一家专注于汽车安全领域的系统 部件提供商。公司成立之初，杏林支行即与之建立密切联系，与企业一起走过初创期、成长期、成熟期 等阶段。该公司初创时，财务管理能力待提升，杏林支行在为客户开立基本户及外币户的基础上，提供 工资代发、上门开卡、跨境汇款等一系列综合结算金融服务，并在了解企业对境外机器设备的进口需求 后，针对性地对企业提供充足的授信额度支持；随着公司逐步成长，经营 ...

Core Viewpoint - The article emphasizes the need for high-level technological self-reliance and strong financial support for innovation, as outlined in the recent policy measures issued by multiple government departments, including the Ministry of Science and Technology and the People's Bank of China [1][3]. Financial Support for Technological Innovation - China Life Insurance actively responds to the policy by leveraging its comprehensive financial services across insurance, investment, and banking sectors to support technological innovation [1][3]. - The insurance sector has seen a significant increase in coverage for strategic emerging industries, with a year-on-year growth of over 181% in insurance coverage for specialized "little giant" enterprises [3]. - The banking sector has provided substantial loans, with Guangfa Bank's loans to technology enterprises exceeding 253.5 billion yuan [3]. Insurance Product Innovation - China Life has developed over 200 technology insurance products, including the first "Laboratory All-Risk Insurance" in the country, to provide comprehensive risk coverage for research and development activities [5][7]. - The company has introduced various innovative insurance products aimed at protecting intellectual property and providing financial support for technology enterprises [5][7]. Credit Support for Technology Enterprises - Guangfa Bank has tailored financial products to meet the unique needs of technology enterprises, particularly those in the early and growth stages, by offering small, short-term loans without collateral [8][10]. - The bank has successfully provided credit support to high-growth technology companies, such as an 8 million yuan credit line to a unicorn company before it became profitable [10][11]. Investment Strategies - China Life is focusing on strategic investments in emerging industries, utilizing diverse financial tools such as equity investments and asset securitization to support technological innovation [13][14]. - The company has established a 5 billion yuan investment plan to support technology innovation, which has mobilized over 80 billion yuan in social capital for technology enterprises [14][16]. Future Outlook - China Life aims to continue enhancing its financial products and services to foster innovation in the technology sector, contributing to the national strategy for technological self-reliance [17].

Core Viewpoint - The People's Bank of China Shaoyang Branch is actively promoting digital finance through policy guidance, product innovation, and service enhancement, aiming to create a new highland for digital finance and support the robust development of the digital economy. Policy Precision Guidance - The Shaoyang Branch has initiated the "Smart Empowerment of Ten Thousand Enterprises" action plan, which includes ten measures to support the intelligent transformation and digitalization of the manufacturing sector [2] - A series of supporting policies, including the "Three-Year Action Plan for Digital Economy Development," have been implemented to facilitate the digital transformation of enterprises [2] - A strategic cooperation memorandum was signed with Shaodong City to direct financial resources towards local light industry sectors, resulting in a 22.6% year-on-year increase in loans for the lighter industry [2] Product Innovation - The Shaoyang Branch has developed the "Flow Loan" standard, allowing banks to create credit profiles for enterprises based on cash flow data, thus addressing issues like information asymmetry and collateral shortages [4] - Various digital financial products such as "Flow Loan," "Science Credit Loan," and "Technology Value Loan" have been created to meet diverse financing needs [5] Financial Support for Innovation - The Shaoyang Branch has issued a total of 21.9 billion yuan in knowledge value credit loans and 4.7 billion yuan in intellectual property pledge loans to alleviate financing difficulties for innovative enterprises [6] - As of March 2025, 407 innovative SMEs and 276 specialized and new SMEs have received credit support [7] Supply Chain Financing - The Shaoyang Branch has explored the application of digital finance in supply chain financing, launching new financing models to meet the needs of core enterprises and their supply chains [7] - By April 2025, the city had completed 215 accounts receivable financing transactions, amounting to 2.33 billion yuan [8] Service Quality Enhancement - The Shaoyang Branch has implemented a "Five Special" financial service system to provide comprehensive support for enterprises' digital transformation [9] - The bank has facilitated the issuance of the first "Smart Animal Husbandry Loan" of 2 million yuan to a local pig farm, showcasing innovative service models [9] - A total of 52,000 enterprises have moved to cloud platforms, with significant increases in intelligent manufacturing capabilities [10]