21世纪经济报道记者张欣 11月22日，为凝聚行业智慧、探寻发展新路径，由南方财经全媒体集团指导、21世纪经济报道主办 的"第二十届21世纪金融年会"在北京盛大召开。 值得注意的是，工行还通过提供"股贷债保"全周期接力式金融服务为科技型企业赋能。股权业务方面， 发挥集团多元化牌照优势，以AIC、保险、理财、境外投行等综合化子公司满足科技型企业全生命周期 股权融资需求。其中，工银投资股权投资试点基金签约意向规模超 2000 亿元、投资近 50 亿元，行业引 领。科创债券方面，工行作为发行人在银行间市场发行200亿元科技创新债券，该债券为市场首批、国 有大行首单且发行规模最大的同类产品。 展望"十五五"，胡广文表示，工行将深入贯彻落实党的二十届四中全会精神，深化全面金融解决方案， 扩大生态朋友圈，以"资金链+服务链+生态链"全方位支撑创新驱动发展战略，坚持把国家所需、金融 所能、工行所长紧密结合，认真做好科技金融等"五篇大文章"，为助力加快高水平科技自立自强、引领 发展新质生产力持续贡献工行力量。 "目前，工商银行（601398）科技贷款余额已突破6万亿，科技型企业贷款余额突破2.5万亿，科技相关 产业贷款余额突 ...

（原标题："耐心"何为：政府引导基金与金融机构共探科创支持新路径） 10月28日下午，由陕西科控投资基金、西安交通大学国家技术转移中心、21世纪经济报道联合主办，招商银行西安分行支持，21世纪创投研究院 担任智库支持的"科学家遇见投资人"闭门研讨会西安交通大学专场活动在西安交通大学创新港校区举办。 在上半场的圆桌讨论中，来自政府引导基金、国资平台、商业银行、信托机构等多方代表，围绕"政府引导基金和国资对科技成果转化实践与意 义"展开深度对话。 各机构代表既分享了各自在科技金融领域的创新实践，也坦诚剖析了当下面临的现实困境。从机制设计到生态建设，从评价模型到考核压力，一 幅政府与市场协同支持科技创新的全景图徐徐展开。 政府引导基金：从机制创新到生态联动，构建全周期支持体系 西安交通大学国家技术转移中心主任王文开宗明义地指出了政府引导基金的核心价值："政府引导基金需要明确长远的角色定位，发挥全周期支持 作用，聚焦初创期科技企业，解决'死亡谷'融资难问题。" 他强调，国有投资平台应当作为耐心资本，按照基金生命周期进行考核，聚焦战略性新兴产业。更关键的是建立三方信息共享机制，"通过政府引 导基金的政策导向锚定投资方向 ...

记者10月17日从中国工商银行获悉，"十四五"以来，该行战略性新兴产业贷款余额已从2021年12月末的 1万亿元增至2025年6月末的4.2万亿元；截至2025年6月末，全行科技贷款余额同业首家超6万亿元，科 技型企业贷款余额同业首家超2.6万亿元，科技相关产业贷款余额同业首家超5万亿元。 在落地专属服务机制的过程中，有一个核心问题需要解决——如何有效识别科技型企业的成长性、进而 评估信用风险与投资价值？ 从间接融资的角度看，要创新信贷审批模式，丰富专属产品与服务。为此，工商银行建立了专职审贷队 伍，优化风险防控理念，运用"企业创新积分"并推出科技企业智能评价模型。在此基础上，该行推出了 科创并购贷、股权激励贷、科创研发贷等专属产品，旨在为科技型企业构建"初创期股债联动、成长期 专属融资、成熟期综合服务"的全生命周期服务矩阵，更好地满足企业多元化融资需求。 从直接融资的角度看，要优化企业估值体系，引入更多长期资本、耐心资本。"我们在国内商业银行中 首创股权估值服务，建立了覆盖37个行业的企业估值体系，搭建了涵盖多种估值方法的估值线上系统， 广泛应用于标的筛选、交易定价、存续期管理、项目退出等估值场景，落地了一 ...

Core Viewpoint - Shandong Industrial Bank is actively promoting financial services to support the development of new productive forces, focusing on technology innovation and equipment upgrades to meet diverse financial needs of the economy and society [1][2][3]. Group 1: Financial Innovation and Support - The bank has introduced various innovative loan products such as "Sci-Tech Innovation Loan" and "Equipment Purchase Green Loan" to facilitate financing for technology-driven enterprises and equipment upgrades [3][4]. - A total of over 600 billion yuan has been disbursed in loans through initiatives aimed at accelerating financial services to local projects [4]. - The establishment of a 1 billion yuan equity investment fund aims to support strategic emerging industries in Shandong, including high-end manufacturing and new energy [4][5]. Group 2: Green Finance Initiatives - The bank has launched a marine carbon sink expected revenue rights pledge loan, which utilizes carbon reduction from marine aquaculture as collateral, enhancing financing options for related enterprises [6][7]. - The "Lushan Bay Oyster Integration Development Demonstration Zone Project" aims to promote sustainable development in the oyster industry, with a carbon fixation capacity of 77,000 tons annually [7]. Group 3: Inclusive Finance and Community Support - The "Qilu Xingnong Loan" is designed to meet the financing needs of small farmers and agricultural enterprises, providing a comprehensive range of financial products tailored to local agricultural characteristics [8]. - The "Silver Industry Cloud" platform offers a one-stop financial service for the elderly, integrating various services to enhance the quality of elderly care [9]. Group 4: Digital Financial Services - The bank has developed a smart agricultural service platform based on open banking and digital currency, providing integrated financial services to support rural revitalization [10]. - This platform enhances transaction efficiency and regulatory control through real-time payment capabilities and smart contracts [10]. Group 5: Future Outlook - The bank aims to continue aligning with various policies to efficiently meet financial demands, striving for high-quality development and contributing to the modernization of Shandong [11].

Core Viewpoint - The report highlights the financial performance and strategic initiatives of Bank of Xi'an for the first half of 2025, showcasing significant growth in revenue, profit, and asset quality while emphasizing the bank's commitment to regional development and risk management [1][7][19]. Financial Performance - Total assets reached CNY 539.09 billion, an increase of 12.23% compared to the same period last year [4][7]. - Operating income was CNY 5.20 billion, reflecting a year-on-year growth of 43.70% [4][7]. - Net profit attributable to shareholders was CNY 1.45 billion, up 8.59% year-on-year [4][7]. - The bank's total liabilities increased to CNY 499.59 billion, a rise of 11.79% from the previous year [4][7]. - The non-performing loan ratio improved to 1.60%, down from 1.72% at the end of the previous year [5][7]. Business Segments Corporate Banking - Corporate deposits reached CNY 157.41 billion, a growth of 12.10% year-on-year, while corporate loans increased by 27.30% to CNY 201.44 billion [10][11]. - The bank actively supported key projects in manufacturing and infrastructure, with new loans amounting to CNY 6.48 billion for provincial and municipal projects [11]. Retail Banking - Personal deposits grew to CNY 188.61 billion, an increase of 5.46%, and personal loans rose by 14.44% to CNY 89.08 billion [12][13]. - The bank focused on enhancing customer experience through innovative products and services tailored to diverse customer needs [12][13]. Inclusive Finance - The bank reported a balance of CNY 37.80 billion in small and micro-enterprise loans, with 25,000 new inclusive finance customers added [14][15]. Strategic Initiatives - The bank is committed to digital transformation, launching new core systems and enhancing digital services to improve operational efficiency [17][18]. - It aims to strengthen its market position by focusing on specialized services and optimizing its branch network to enhance productivity [9][19]. - The bank emphasizes risk management by restructuring its risk management framework and enhancing compliance measures [9][19]. Market Position - The bank is positioned to leverage regional economic growth driven by government initiatives, enhancing its service offerings to meet increasing financial demands [19]. - It aims to establish itself as a leading regional bank with a focus on customer-centric and performance-driven strategies [19].

Core Viewpoint - Xi'an Bank has shown steady growth in its financial performance for the first half of 2025, with significant increases in revenue and net profit, while also focusing on risk management and strategic transformation [6][7][8]. Financial Performance - Total assets reached CNY 539.10 billion, an increase of 12.23% compared to the previous year [6]. - Operating income was CNY 52.05 billion, reflecting a year-on-year growth of 43.70% [6]. - Net profit attributable to shareholders was CNY 14.52 billion, up 8.59% year-on-year [6]. - The net cash flow from operating activities was CNY (4.03) billion, a decrease of 39.43% [6]. Asset Quality - The total liabilities amounted to CNY 499.59 billion, an increase of 11.79% from the previous year [6]. - The non-performing loan ratio improved to 1.60%, down from 1.72% [2]. - The provision coverage ratio increased to 205.70%, up from 184.06% [2]. Capital Adequacy - The capital adequacy ratio stood at 13.43%, an increase from 12.41% [3]. - The core tier 1 capital ratio was 9.16%, down from 10.07% [3]. - The net stable funding ratio was 138.31%, indicating a stable funding position [3]. Strategic Initiatives - The company is focusing on digital transformation and enhancing its service offerings in various sectors, including green finance and rural revitalization [7][8]. - Xi'an Bank is implementing a three-year action plan aimed at professionalization, service enhancement, and market orientation [8]. - The bank is also enhancing its risk management framework to ensure asset quality and compliance [8].

Group 1 - The core viewpoint emphasizes the importance of manufacturing as the foundation of national strength, with Shandong province focusing on advancing its manufacturing sector through financial support from the Industrial and Commercial Bank of China (ICBC) [1][4] - As of June 2025, ICBC's manufacturing loans in Shandong exceeded 313 billion yuan, marking a net increase of 54.6 billion yuan since the beginning of the year, making it the only state-owned commercial bank in the province with manufacturing loans surpassing 300 billion yuan [1] - ICBC is actively engaging in targeted financial initiatives to support traditional industries' transformation and upgrading, focusing on high-end, intelligent, and green manufacturing [3][4] Group 2 - ICBC has launched a series of financial measures to support the high-quality development of Shandong manufacturing, including organizing credit promotion meetings and conducting special activities to enhance credit services for the manufacturing sector [4][5] - The bank has established a "1+2+N" technology finance specialized structure to improve service efficiency for advanced manufacturing, particularly in new-generation information technology and high-end equipment manufacturing [5][6] - Innovative financial products have been introduced, such as "green loans for specialized equipment purchases" and "R&D support loans," aimed at addressing the financing challenges faced by enterprises [7][8] Group 3 - ICBC is leveraging digital finance by creating a digital product matrix, including "Manufacturing e-loans" and "Technology e-loans," to enhance financing accessibility for quality technology enterprises [8] - A case study highlights how ICBC provided timely financing support of 2.7 million yuan to a high-tech enterprise within one working day, showcasing the bank's responsiveness to client needs [8] - The bank aims to integrate traditional industry transformation with new productivity financial services, fostering a deeper connection between financial services and the real economy in Shandong [8]

Core Insights - The "Good Financial Products" list for 2025 has been officially released, highlighting Shandong Industrial Bank's case of "promoting technological innovation and equipment renewal loans" as a significant contribution to high-quality financial services [1] - Shandong Industrial Bank has actively engaged in the "Two New" initiatives since the State Council's deployment, demonstrating a commitment to enhancing service precision for the real economy [1] Group 1 - Shandong Industrial Bank has issued the first technological innovation loan and the first equipment renewal loan in the province (excluding Qingdao), leading in total funding amounts [1] - A dedicated task force has been established to implement a responsibility system, ensuring effective communication of central policies and business guidance [1] - The bank has organized meetings to promote technological innovation and technical transformation, proactively engaging with potential projects and clients [2] Group 2 - The bank has optimized business processes by establishing a green channel and a special mechanism for rapid response, enhancing communication and collaboration [2] - Innovative financial products such as "Sci-Tech e-loan," "Points Loan," and "Sci-Tech R&D Loan" have been launched to meet the financing needs of technology-driven enterprises [2] - The "Equipment Purchase Green Loan" has been tailored to match the rapid technological updates in the industry, simplifying procedures for loans under 100 million [2]

Core Insights - The article highlights the initiatives taken by the Shandong branch of the Industrial and Commercial Bank of China (ICBC) to support high-quality financial services that drive economic and social development, particularly in technology innovation and green finance. Group 1: Financial Services for Technology Innovation - Shandong ICBC has developed a comprehensive plan to support new productive forces, focusing on technology innovation and large-scale equipment upgrades, with strategic emerging industry loans exceeding 200 billion yuan, ranking first in the industry as of May 2025 [2][3]. - The bank has introduced various innovative loan products such as "Sci-Tech e-loan," "Points Loan," and "Sci-Tech R&D Loan" to meet the financing needs of technology enterprises [3]. Group 2: Equity Investment and Collaboration - Shandong ICBC has actively participated in the "Financial Direct to Grassroots Acceleration" initiative, approving loans exceeding 169.5 billion yuan for 355 projects across 14 cities, with a total disbursement of over 60 billion yuan [4]. - The establishment of the Jinan Gongrong Guohui Equity Investment Fund, with a total scale of 1 billion yuan, aims to invest in strategic emerging industries within Shandong province [4][5]. Group 3: Green Finance Initiatives - The bank has launched innovative green financial products, such as marine carbon sink expected revenue rights pledge loans, to enhance financing channels for enterprises while promoting ecological sustainability [6][7]. - The "Lushan Bay Oyster Integration Development Demonstration Zone Project" received a 50 million yuan loan, marking the first marine carbon sink expected revenue rights pledge loan in Shandong province [7]. Group 4: Inclusive Finance for Small and Micro Enterprises - The "Qilu Xingnong Loan" product, tailored for agricultural needs, has seen a loan balance exceeding 6.3 billion yuan, with a growth rate of over 38% since the beginning of the year [8]. - The bank has implemented an automated and streamlined approval process for financing applications, enhancing accessibility for small and micro enterprises [8]. Group 5: Elderly Care Financial Services - The "Silver Industry Cloud" platform provides a comprehensive range of financial services for the elderly, integrating various aspects of elderly care and management [9]. - The platform aims to enhance operational efficiency and service quality in elderly care institutions, with plans to add 43 new clients by 2025 [9]. Group 6: Digital Financial Innovations - Shandong ICBC has developed a "Smart Agricultural Service Platform" based on open banking and digital currency smart contracts, providing integrated financial services for rural revitalization [10][11]. - The platform addresses key issues such as online business operations and fund supervision, significantly improving transaction efficiency and control [11].