科技日报记者 李均 上海张江科学城的实验室里，存储芯片研发数据持续迭代；中国（上海）自由贸易试验区临港新片 区的产业园中，智能驾驶企业的技术攻关持续推进；漕河泾开发区内，生物医药初创公司借助精准融资 顺利推进临床试验……一幕幕生动的创新场景，展现出上海全域科创的勃勃生机。而这背后，正是上海 以"股贷债保担"联动机制为核心的科技服务体系，为科创企业突破发展瓶颈、实现"关键一跃"注入强劲 动能。 科技创新具有高投入、高风险、长周期的特点，其发展离不开政策的精准引导和生态的协同支撑。 上海2023年推出的"股贷债保担"联动机制是一套靶向破解科创企业、中小微企业融资难题的综合金融服 务机制。它通过整合股权融资、贷款、债券、保险、担保五大金融工具，多元协同发力打通企业融资堵 点，精准匹配企业初创、成长、成熟等不同阶段的资金需求。 在"股贷债保担"五维联动机制的强力赋能下，上海科创企业融资难题得到有效破解，科创板上市企 业数量稳居全国前列，张江科学城、临港新片区等创新高地加速崛起，新质生产力呈现出蓬勃发展的态 势。 依托联盟实现全周期覆盖 为推动"股贷债保担"五维联动机制落地见效，上海科创金融联盟于2023年10月23日 ...

Core Insights - The article discusses the initiatives taken by the People's Bank of China Shanghai Headquarters to support the development of a globally influential technology innovation center in Shanghai through a diversified financial ecosystem for technology enterprises [1][2][6]. Group 1: Financial Ecosystem Development - The Shanghai Financial Innovation Alliance aims to provide a comprehensive financial service model for technology enterprises, targeting a total investment of 2 trillion yuan over three years through various financial instruments [2][6]. - The "stock-loan-debt-guarantee" linkage model is emphasized as a core strategy to support technology enterprises throughout their lifecycle, ensuring that financial services are not interrupted by changes in business stages or financial needs [2][3]. Group 2: Customized Financial Solutions - Financial institutions like Industrial and Commercial Bank of China (ICBC) have tailored financial products for startups, including a 5 billion yuan special financing quota and 2 billion yuan in equity investment for participants in innovation competitions [1][4]. - The Bank of China has developed a "stock-loan linkage" business model, providing equity financing and other financial services to unicorn companies facing significant funding needs due to long R&D cycles [2][4]. Group 3: Collaborative Financial Services - Various banks, including China Construction Bank and Agricultural Bank of China, have launched integrated financial service models that combine investment, loans, and guarantees to create a comprehensive support system for technology enterprises [3][5]. - The Shanghai Financial Innovation Alliance has established strategic partnerships with local incubators and industry parks to create an ecosystem that integrates capital, technology, and resources [7][8]. Group 4: Innovative Financial Products - The "New Power Loan" product is designed for new productivity enterprises, offering diversified financing options and utilizing central bank monetary policy tools to provide low-cost funding [7]. - The "Innovation Loan" product, developed by ten banks in Shanghai, aims to meet the financing needs of technology enterprises at different stages through a "investment-loan linkage" credit package [7].

Core Viewpoint - The third Shanghai International Carbon Neutral Technology, Products and Achievements Expo showcases the active participation of the Bank of Communications in supporting Shanghai's development as an international green finance hub and the achievement of carbon neutrality goals [1]. Group 1: Green Finance Initiatives - The Bank of Communications emphasizes its theme "Green Movement, Carbon Future" through seven distinctive sections at the expo, highlighting its efforts in green finance and local development [1]. - The bank has facilitated the issuance of China's first green dual-currency offshore bond by the Shanghai Lingang Economic Development Group, demonstrating its commitment to supporting Shanghai's open hub construction [1]. - The bank provided $200 million in financing for a photovoltaic power station project in the Middle East, supporting sustainable development in Belt and Road countries [1]. Group 2: Green Consumption and Mobility - The bank promotes green lifestyles by offering a variety of green financial products, including green-themed credit and debit cards, and establishing a carbon points mall [1]. - A special event called "Hui" was launched to encourage the consumption of green smart home appliances [1]. - The bank collaborated with Shentong Metro and Shanghai Transportation Card Company to introduce a "Digital Ride Code" covering all public transportation in Shanghai [2]. Group 3: Green Transformation and Technology - The bank has successfully implemented China's first financial loan for the green transformation of the water transportation industry, providing 750 million yuan to a subsidiary of China COSCO Shipping Development Co., Ltd. [2]. - The bank's green inclusive finance section illustrates its efforts to combine green finance with inclusive finance through various regional resources and local characteristics [2]. - The bank plans to launch "Sci-Tech Smart Intellectual Property Loans" in 2024, aimed at supporting green tech companies facing financing challenges [2]. Group 4: Carbon Finance Innovations - The carbon finance section of the bank's exhibition highlights its innovative services in carbon finance, support for carbon trading market development, and the establishment of "zero-carbon outlets" [3]. - An interactive experience area was set up at the bank's booth, allowing participants to engage in VR skiing while promoting green living concepts [3].