Group 1 - The Shandong Province meeting emphasized the importance of promoting a "good financial brand" and announced the selection of exemplary cases and products for 2025, with Zhejiang Merchants Bank's Jinan branch's "Talent Bank" included in the list of "good financial" technology finance products [4] - Wang Junshuang, the president of Zhejiang Merchants Bank's Jinan branch, highlighted the need for commercial banks to transition to a new development model of "technology + industry + finance" to better support technological innovation [7] - The bank aims to provide comprehensive services by shifting from single-point services to diversified offerings, focusing on long-term partnerships rather than short-term profits, and proactively empowering enterprises [7] Group 2 - Zhejiang Merchants Bank's Jinan branch has developed a full lifecycle financial service system for technology innovation, launching 30 specialized products tailored to the different stages of technology enterprises [8] - The bank addresses the financing challenges faced by early-stage tech companies by utilizing scoring cards and big data risk control models, transforming intangible assets like patents into financial capital [8] - For growth-stage companies, the bank relaxes profitability requirements and offers larger, longer-term credit support, while also facilitating equity financing and strategic investments [8][9] Group 3 - The bank is also converting digital assets accumulated during business operations, such as invoices and utility payments, into credit limits, and providing tailored financing solutions for supply chain enterprises [9] - Wang Junshuang pointed out the importance of reshaping credit risk control logic, focusing on social value rather than solely on financial metrics, and establishing a differentiated evaluation system for technology enterprises [10] - The bank's initiatives aim to support small and medium-sized enterprises, with 90% of its clients in this category, and to enhance the professionalism and precision of risk control for innovative companies [10] Group 4 - The banking sector's focus on enhancing financial services for the real economy is crucial for high-quality development and the transformation of commercial banks [11] - Zhejiang Merchants Bank's Jinan branch is committed to supporting technology enterprises and contributing to the establishment of a robust technology innovation ecosystem in the province [11]

6月26日，第14届中国（广州）国际金融交易·博览会盛大开幕，中信银行广州分行展位尤为亮眼。作为 中信集团协同委广东区域分会的牵头单位，中信银行广州分行携手中信证券、中信建投证券等11家集团 子公司分支机构，以"助力美好生活 激发创新动能"为主题共同参展。这也是中信银行广州分行第6次联 合集团成员机构参加金交会，全面展现协同赋能广东高质量发展的最新成果。 在金交会启动仪式上，中信银行广州分行与广东联合产权交易中心合作项目等两个项目进行了现场签 约。在广州市普惠金融推广案例授牌环节，中信银行广州分行"农村户用光伏融资场景——'统借统 还'信贷模式案例"荣获普惠金融赋能"百千万工程"案例授牌。 开幕式当日适逢中信银行广州分行成立二十九周年，扎根南粤29载，中信银行广州分行始终心怀"国之 大者"，以"一个中信 一个客户"的理念，协同赋能科产融高效循环、金融助力扩内需促消费，打造"要 出国、找中信""来中国、找中信"服务品牌，助力广东高质量发展。 产融协同助推新质生产力发展 新质生产力的勃兴，离不开金融与产业的深度融合。中信银行广州分行背靠中信集团雄厚的产业根基与 多元的金融牌照，构建起"产业洞察—金融创新—生态协同 ...

近日，中国人民银行江苏省分行联合江苏省科技厅在南京举办2025年江苏省科技金融深度融合对接会， 宣布2025年科技领域新增3000亿元专项贷款授信额度。 据了解，截至今年一季度末，江苏省科技贷款余额4.9万亿元，同比增长13.8%，增速居全国前列，其中 高新技术企业、科技型中小企业贷款同比增长24.7%、23%，大幅高于各项贷款增速。 活动现场，江苏省金科数字与科技金融研究院、江苏省科技金融（科创债券）服务与促进中心举行揭牌 仪式。江苏省金科数字与科技金融研究院由南京大学等12家单位联合发起设立，以构建"概念论证—技 术研发—场景验证—规模推广"应用链条为目标，规划建设数字人民币应用技术研究中心、量子金融安 全实验室、金融可信数据空间实验室等，通过搭建高水平创新集聚载体，前瞻布局量子安全、数字资产 等前沿领域，着力驱动金融创新与实体经济深度融合。江苏省科技金融（科创债券）服务与促进中心将 邀请主承销商、评级机构、增信机构等驻点办公，由中国银行间市场交易商协会提供技术支持，为发债 主体提供全方位、全流程、"一站式"的金融服务，推动科技创新债券在江苏增量扩面。 揭牌仪式后，中国人民银行江苏省分行、国家金融监督管理 ...

Core Viewpoint - The recent joint policy initiative by multiple government departments aims to accelerate the development of a technology finance system to support high-level technological self-reliance and innovation in China [1] Group 1: Policy Initiatives - The policy encourages financial institutions to increase support for technological innovation and to adjust internal loan mechanisms based on the characteristics of project financing in the technology sector [1] - It emphasizes the importance of a collaborative approach among financial regulators, technology departments, and banks to enhance the integration of technology and finance [3] Group 2: Financial Products and Innovations - Shouguang Rural Commercial Bank has developed a "Technology Innovation Points Loan" product, quantifying innovation metrics to provide a loan of 9 million yuan at a reduced interest rate of 3.41% [1] - China CITIC Bank has implemented a "Credit Card Approval Model" for technology enterprises, allowing for credit limits up to 30 million yuan, with a maximum term of one year [2] - Everbright Bank has launched the "Technology E-Loan" product, utilizing big data models to assess credit limits for technology companies through an entirely online process [2] Group 3: Risk Management and Support - The policy encourages the establishment of risk-sharing mechanisms to enhance the risk mitigation capabilities of banks, such as collaboration between banks and local technology departments to cover loan losses [7] - The integration of insurance products with banking services is being promoted to create a multi-layered financial risk protection system for technology enterprises [7] Group 4: Tailored Financial Services - Financial institutions are advised to provide comprehensive, multi-faceted financial services tailored to the unique needs of technology enterprises, enhancing their access to credit [5] - Postal Savings Bank has initiated a specialized financial division to better serve technology companies, establishing a structured approach to client engagement [5]

科技企业研发投入大、成果转换周期长，初期往往面临较大资金压力。为解决科技企业"钱从哪里来"的 问题，江苏设置科技企业评分体系，通过为科技企业精准画像，引导更多金融活水流向科技创新领域， 解决银行"看不准、不敢贷"的问题，有效破解科技企业融资难题。 南京智达自动化集团（以下简称"智达自动化"）是一家从事节能环保设备研发制造和服务的企业，其产 品广泛应用在化工、冶金、电力等行业，为相关企业的生产设备进行排放检测和除尘清灰，以帮助这些 企业提高生产效率，实现降本增效。眼下，智达自动化正在研发新一代工业除尘设备，能将清灰效率从 60%提高到90%。该集团董事长魏乙说："目前，国内90%的钢铁厂均为我们的客户。鉴于该产品市场需 求旺盛，我们计划加速推进相关工作。当前，我们的技术难题已成功攻克，因此亟需加快产品投入与市 场应用步伐，以优先抢占市场份额。" 一方面新产品要上市，另一方面自主开发的新一代智慧环保管理平台也同步上线，都需要大量资金投 入。按原有的贷款政策，智达自动化能获取的额度无法满足研发投入需求，缺口较大。但不久前，交通 银行主动上门对接，为他们"送来"500万元贷款，且只用2天就完成了审批。交通银行南京江宁 ...

2025年开年，杭州"六小龙"的崛起，让杭州的科技创新生态收获了社会各界的广泛关注。其中，金融是支持科技创新不可或缺的重要力量，证券、银行、基 金、信托等大资管与各行业相互协同，共同搭建了"股债贷保担租"多元化的融资支持系统。 证券时报社主办、以"打造资本强引擎，赋能新质生产力"为主题的第八届（2025）西湖大会5月21日在杭州举行。大会期间，浙商银行党委书记、董事长陆建强在接 受证券时报记者专访时表示，金融当前面临着"高质量发展""定位站位""数字化"三大变局，各类金融主体必须要有更高的站位和情怀，综合协同，打破牌照单项服 务的壁垒，为科技企业构建资金链、人才链、创新链、产业链"四链融合"。其中，商业银行要扮演好三重角色：科技企业的"长期伴跑人"、创投资本的"价值放大 器"和创新生态的"超级连接者"。 浙商银行党委书记、董事长 陆建强 证券时报记者： 近年来，科技创新正在逐渐成为中国经济的"新引擎"，科技创新离不开金融的有力支持。在行业变局下，您认为金融业应如何转变传统服务模式？ 陆建强： 当前金融面临"三大变局"。一是转型升级变局，整个国家经济发展从原来的拓展增量走到盘活存量、整合资源、提升发展的阶段；二 ...

2025年开年，杭州"六小龙"的崛起，让杭州的科技创新生态收获了社会各界的广泛关注。其中，金融是 支持科技创新不可或缺的重要力量，证券、银行、基金、信托等大资管与各行业相互协同，共同搭建 了"股债贷保担租"多元化的融资支持系统。 证券时报社主办、以"打造资本强引擎，赋能新质生产力"为主题的第八届（2025）西湖大会5月21日在 杭州举行。大会期间，浙商银行党委书记、董事长陆建强在接受证券时报记者专访时表示，金融当前面 临着"高质量发展""定位站位""数字化"三大变局，各类金融主体必须要有更高的站位和情怀，综合协 同，打破牌照单项服务的壁垒，为科技企业构建资金链、人才链、创新链、产业链"四链融合"。其中， 商业银行要扮演好三重角色：科技企业的"长期伴跑人"、创投资本的"价值放大器"和创新生态的"超级 连接者"。 证券时报记者：近年来，科技创新正在逐渐成为中国经济的"新引擎"，科技创新离不开金融的有力支 持。在行业变局下，您认为金融业应如何转变传统服务模式？ 陆建强：当前金融面临"三大变局"。一是转型升级变局，整个国家经济发展从原来的拓展增量走到盘活 存量、整合资源、提升发展的阶段；二是定位站位变局，金融要回归服 ...

在青岛华赛伯曼医学细胞生物有限公司的实验室走廊，从两侧的一扇扇玻璃窗看去，研究人员正忙着试 验、记录，紧张有序。公司董事长高青说："现在我们的临床试验能按计划推进，得益于银行信贷资金 的及时支持。" 常兴集团有限公司是武城县受益企业之一。"没想到我们手里的专利证书换来了银行贷款。"公司总经理 张兴说，公司凭借知识产权成功获得500万元信贷资金，用于新型产品的研发和生产，保障了订单按期 交付。 政银企合力促进更多金融"活水"流向科创企业。山东省委金融办数据显示，今年3月末，全省科技贷款 余额2.7万亿元，同比增长21.2%。 走进位于枣庄高新区的山东义沃包装科技有限公司生产车间，只见工人们不停上料、装货，全自动缠绕 膜生产线快速运转。 义沃包装是一家专业生产拉伸缠绕膜、牧草膜的高新技术企业，曾面临回款慢、流动资金紧张的困局。 义沃包装负责人王德宇说，工商银行枣庄分行和当地科技部门获悉情况后，主动上门宣传科技创新积分 制政策，并为企业发放500万元"科创积分贷"，缓解了资金压力。 据了解，"科创积分贷"基于企业科技创新积分制，通过对企业的科研立项、研发投入、创新成果等指标 给予相应积分，绘制企业科技创新"画像"， ...

Core Viewpoint - Qilu Bank has demonstrated balanced and coordinated development in scale, efficiency, and quality, achieving significant improvements in asset quality and delivering a high-quality development report for 2024 [1] Financial Performance - Total assets of Qilu Bank reached 6895.39 billion yuan, a year-on-year increase of 14.01% [2] - Operating income was 12.496 billion yuan, up 4.55% year-on-year, while net profit attributable to shareholders was 4.986 billion yuan, reflecting a 17.77% increase [1][2] - The bank's loan total was 3371.42 billion yuan, growing by 12.31%, and deposits reached 4395.41 billion yuan, increasing by 10.42% [2] Asset Quality Improvement - Non-performing loan ratio decreased to 1.19%, down 0.07 percentage points from the previous year [3] - The coverage ratio for provisions rose to 322.38%, an increase of 18.80 percentage points, indicating enhanced risk mitigation capabilities [3] Business Structure Optimization - Qilu Bank's net interest income was 9.031 billion yuan, a 1.73% increase, while non-interest income grew by 12.70% to 3.465 billion yuan [2] - The proportion of fee and commission income in total revenue increased by 0.76 percentage points to 10.12% [2] Shareholder Returns - The bank has a consistent cash dividend policy, proposing a cash dividend of 1.39 yuan per 10 shares for 2024, marking a 21% increase from the previous year [4] - Qilu Bank's stock price has seen significant appreciation, ranking among the top in A-share listed banks [4] Innovation and Strategic Focus - The bank focuses on serving urban and rural residents, small and medium enterprises, and local economic development, with a strong emphasis on inclusive finance, green finance, and technology finance [5][6] - Qilu Bank's inclusive finance loans reached 747.04 billion yuan, growing by 13.97%, with an average interest rate of 4.27% [6] Digital Transformation - Qilu Bank is actively embracing digital transformation, enhancing customer engagement and operational efficiency through data analysis and automation [9][10] - The bank has developed a digital talent framework and is fostering a team of over 500 data analysts to support its digital initiatives [11] Social Responsibility - The bank is committed to supporting local economic development, with a 15.51% increase in corporate loan balances and a 46.64% rise in loans to technology enterprises [12] - Qilu Bank has launched various initiatives to promote rural revitalization and enhance its corporate culture [13] Future Outlook - Qilu Bank aims to strengthen its market competitiveness and enhance its strategic business pillars by focusing on steady progress and innovation [14]