10月9日，国际权威指数机构摩根士丹利资本国际公司(明晟、MSCI)更新2025年度环境、社会及治理 (ESG)评级信息，平安银行凭借在ESG方面的优异表现，最新评级上调至AA级，在五年内实现了从BB 级到AA级的三级跃升。 MSCI评级结果显示，平安银行在消费者保护、绿色金融、数据安全与隐私保护等实质性议题表现方面 提升显著。MSCI是全球领先的金融指数和ESG评级机构，每年对全球7000余家上市公司的ESG实践开 展分析和评级，其ESG评级体系深受全球投资机构认可，评级结果成为全球投资数据分析与投资决策的 重要依据。本次评级提升反映出国际权威机构对平安银行ESG管理水平和综合表现的高度认可，更体现 出资本市场对平安银行可持续发展价值的充分肯定。 平安银行ESG负责人介绍，可持续发展是平安银行长期坚持的发展战略，也是确保公司追求长期价值最 大化的坚实基础。平安银行贯彻新发展理念，坚持金融工作的政治性和人民性，积极把握市场机遇，应 对挑战，做好金融"五篇大文章"，在全面服务经济、社会、环境可持续发展中不断提升发展质量。 强化绿色金融布局 践行"双碳"目标 平安银行坚定贯彻党的二十大提出的绿色发展要求，认真落实 ...

中国质量新闻网讯 近日，以"推动专利转化 赋能产业创新"为主题的2025青海省海西州知识产权转化暨 质押融资对接会在德令哈市、都兰县成功举办。 对接会旨在贯彻落实《专利转化运用专项行动方案（2023—2025年）》，搭建知识产权供需对接平台， 推动"知产变资产"与产业深度融合，为海西州经济高质量发展注入新动能。来自高校、科研院所、金融 机构及企业代表等110余人现场参加会议，400余名企业代表通过线上直播方式参会。 对接会上，高价值专利成果路演引发关注。中国科学院青海盐湖研究所与青海大学分别进行了"碱式硫 酸镁晶须的可控制备与应用"及"高寒高海拔地区多能互补供暖应用技术"的路演展示。前者依托青海盐 湖资源，突破镁系材料技术瓶颈，后者针对青藏高原特殊气候，提供清洁能源供暖解决方案，两项专利 成果不仅彰显科研机构服务地方产业的精准定位，更为企业技术升级提供了优质选择，现场吸引多家企 业关注。邮政储蓄银行海西分行介绍的"知识产权质押贷"，工商银行海西支行推出的"科创贷"等专属融 资产品。通过灵活质押模式为企业融资开辟新路径。精准的金融服务为知识产权价值转化提供了坚实保 障，破解科技型企业"轻资产、融资难"的痛点，助 ...

Core Viewpoint - Ping An Bank has achieved a significant upgrade in its ESG rating from MSCI, moving from BB to AA over five years, reflecting its strong performance in consumer protection, green finance, and data security [1][11]. ESG Rating and Recognition - MSCI, a leading financial index and ESG rating agency, recognized Ping An Bank's ESG management and overall performance, which is crucial for global investment data analysis and decision-making [1]. - The upgrade to AA rating signifies international acknowledgment of the bank's commitment to sustainable development [1][11]. Sustainable Development Strategy - Ping An Bank emphasizes sustainable development as a long-term strategy, ensuring the maximization of long-term value [3]. - The bank actively engages in financial services that support economic, social, and environmental sustainability [3]. Green Finance Initiatives - The bank is committed to the national carbon neutrality strategy, developing a diversified product system in green finance, including green loans and bonds [4]. - As of June 2025, the bank's green loan balance reached 251.746 billion yuan, and it provided 1.34 billion yuan in green supply chain services [4]. Inclusive Finance Efforts - Ping An Bank focuses on inclusive finance, supporting small and micro enterprises, with a loan balance of 499.524 billion yuan as of June 2025, and a year-on-year growth of 33.6% in new loans [5]. - The bank has also invested 31.259 billion yuan in rural revitalization efforts, with a cumulative investment of 183.506 billion yuan [5]. Technology and Data Security - The bank has developed a technology finance system, offering specialized products for tech enterprises, with a loan balance of 193.436 billion yuan as of June 2025 [7]. - It maintains a robust data security management system, achieving 100% employee training coverage on information security [7]. Pension Finance Development - Ping An Bank has diversified its pension finance product offerings, with 239 personal pension products available as of June 2025 [8]. - The bank enhances customer experience through its app, integrating various services related to health and insurance [8]. Corporate Governance and Transparency - The bank prioritizes corporate governance, enhancing compliance and ethical standards, and improving ESG information disclosure [9]. - It was recognized in the S&P Global Corporate Sustainability Assessment, being one of only two banks in mainland China to be included in the Sustainable Development Yearbook 2025 [9]. Future Outlook - The AA rating from MSCI is expected to bolster the bank's brand influence, investor confidence, and green finance business [11]. - Ping An Bank aims to continue its commitment to sustainable development, contributing to social, economic, and environmental progress [11].

邮储银行安徽省分行普惠金融事业部相关负责人介绍："针对科技型企业的特征，我们打破既有的授信 逻辑，组织信贷条线员工'吃透'安徽十大新兴产业链，从'看过去、看财报、看抵押担保'转变为'看未来、 看核心技术和团队'；聚焦并深入行业开展基础研究，从而有效制定专享授信产品、专职审查审批、专 项尽职免责、专门激励考核等制度规范，完善'敢贷、愿贷、能贷'的长效机制。"截至2024年底，邮储银 行安徽省分行全年新增科技型企业贷款107.51亿元，增速达51%。 全生命周期服务：打造科技金融生态圈 来源：环球网 深圳市欣冠精密技术有限公司的生产车间里，智能化设备高速运转。这家刚刚入选国家级专精特新"小 巨人"的企业，凭借邮储银行"腾飞贷"的中长期资金金支持，实现了从"制造"到"创造"的跃升。 "这是我们首次获得中长期贷款支持，"欣冠精密董事长助理邵羲晖表示，"邮储银行让我们有更多底气 升级软硬件、投入研发团队，坚定地走向高质量发展。"而就在不久前，企业还因缺乏传统抵押物，授 信额度无法匹配快速增长的订单需求。 欣冠精密的蜕变是邮储银行深耕科技金融的一个缩影。2023年10月，中央金融工作会议指出做好科技金 融、绿色金融、普惠 ...

邮储银行基于无形资产的"科创贷"，解锁科技型企业的核心价值，贷款决策改由企业的未来成长潜力决 定，而非固定资产积累，这可激励持续创新，形成正向循环。并且，打破对土地、房产等传统硬抵押物 的路径依赖，为多数科技型企业提供更宽的债权融资渠道，从而可优化融资结构，并降低融资门槛。 近年来，为深度服务国家创新驱动发展战略，中国邮政储蓄银行在广东江门地区积极创新金融服务模 式，通过创新产品、快速放款、陪伴式服务，精准支持当地"专精特新"及高新技术企业发展。9月17 日，记者前往恩平市宏兴铝业有限公司、广东万佳泓不锈钢制品有限公司，江门市力丰电机有限公司进 行实地调研。 创新贷款，打破传统抵押物限制 科技型制造企业常常面临研发投入大、回款周期长，原材料采购和设备升级需要大量流动资金等共性挑 战。 恩平市宏兴铝业有限公司是江门地区铝型材制造的领军企业，正处于智能化、绿色化转型的关键期，资 金需求迫切。对此，邮储银行恩平市支行2025年为其发放3394万元"科创贷"，基于无形资产（专利、软 件著作权）进行授信，打破了传统抵押物限制。 如今的台山，不锈钢产业园内生机盎然，万佳泓的生产车间里机器轰鸣，工人们正全力赶制一批发往中 ...

Group 1 - The core viewpoint of the articles highlights the proactive role of Chengwu Rural Commercial Bank in supporting local economic development through tailored financial services and innovative products [1][2] - Chengwu Rural Commercial Bank has established a "grid-based, exclusive, and normalized" service system, forming 26 specialized financial service teams to identify customer needs and provide comprehensive coverage for project financing [1] - The bank promotes innovative financial products such as "intellectual property pledge loans" and "science and technology innovation loans" to meet diverse funding needs of enterprises at different development stages [1] Group 2 - To enhance credit service efficiency, Chengwu Rural Commercial Bank has implemented a time-limited processing system, simplified loan procedures, and opened a fast-track service for quick loan approvals [2] - The bank is increasing credit allocation to small and micro enterprises, adjusting loan terms and repayment methods based on production and sales cycles to alleviate repayment pressure [2] - Chengwu Rural Commercial Bank aims to continue its commitment to local service, improve service mechanisms, and optimize financial products to contribute to rural industry prosperity and the development of the real economy [2]

"深圳创新四姐妹""深圳机器人六小龙""深圳锂电材料四剑客"……在全国科技版图中，深圳占据重要位 置。目前，深圳的国家级专精特新"小巨人"企业、国家级高新技术企业数量已分别占全国总量的7%和 5%。 科技成果转化与资本市场衔接加速。深圳成立了全国首家科技成果与知识产权交易中心，探索构建科技 创新与金融资本有效对接、充分融合机制，累计促成交易33.2亿元。入选首批国家知识产权金融生态综 合试点，落地首个深港跨境"N+1"知识产权证券化项目，累计发行相关产品规模219.1亿元，惠及1400多 家企业。 此外，深圳也在优化科技型企业债权和股权融资协同衔接机制。用好科技创新债券风险分担工具，目前 10家科技型企业和股权投资机构在银行间市场发行科技创新债券，规模合计332.5亿元。 针对成熟期科技型企业金融服务适配性不够高、跨境金融服务不便利等问题，深圳构建起梯度融资培育 体系，深化创业板注册制改革，持续推进发行承销、再融资、股权激励等制度创新，强化创业板支持科 这一数字背后离不开金融支持，深圳正通过"股贷债保汇"联动体系，为不同生命周期的科技企业提供金 融支持。 近日，记者从深圳人行了解到，截至2025年7月末，深圳 ...

搭建供需平台，解决企业"融资慢"。引导全市科技型企业加入山东省科融信综合服务平台，积极为企业 提供增信服务，为企业融资打好基础，让企业融资"融得着、接得住"。截至8月底，全市通过省"科融 信"平台增信企业515家。建立科技项目投融资需求信息共享机制，广泛收集高新技术企业、科技型中小 企业融资需求，定期向金融和投资机构推送科技企业和科技创新项目，为企业争取信贷和投资支持。提 高融资效率。鼓励金融机构开发针对科技型企业的金融产品，在政策引导下，合作银行开设了成果贷快 速审批通道，开发了"科创贷""人才贷""知识产权贷"等多款成果贷产品，为全市科技型企业提供了有力 的融资支持。目前，济宁市成果贷政策合作银行已达38家，基本覆盖市场所有主流商业银行。 实施贷补结合，解决企业"融资贵"。资金供给端，引导合作银行为科技型中小企业提供更优惠的贷款利 率和更多的选择空间，进一步降低企业融资成本。资金使用端，对科技成果转化贷款按时还本付息的科 技型中小企业，可任选一笔贷款按实际支付利息的40%给予一次性贴息支持，单个企业最高贴息50万 元。政策实施以来，全市240余家企业获批财政贴息。做好科技奖补政策与科技金融的联动，对于获得 ...

Core Viewpoint - The article highlights the efforts of the Bank of China Foshan Branch in promoting inclusive finance to support local economic development, particularly in the manufacturing and agricultural sectors, while addressing the financing challenges faced by small and medium-sized enterprises (SMEs) and innovative companies [4][5][10]. Group 1: Financial Support and Services - As of August 2025, the loan balance in key areas of inclusive finance reached over 36.5 billion yuan, with an increase of nearly 3.4 billion yuan since the beginning of the year [5][6]. - The coverage rate for credit to specialized and innovative enterprises exceeds 30%, while the coverage for high-tech enterprises is over 20%, indicating that one in three specialized enterprises has received credit support from the bank [5][6]. - The bank has implemented a digital risk control model to convert intangible assets like technology patents into credit assets, thereby reshaping the financing logic for light-asset technology companies [6][7]. Group 2: Collaboration and Ecosystem Development - The bank has engaged in over 10 enterprise financing coordination meetings this year, covering more than 3,000 enterprises, to build a new ecosystem of inclusive finance through information sharing and resource integration [8]. - A "one-on-one" financing solution has been provided to small and micro enterprises through a joint visit team formed with local government, enhancing financing efficiency and helping enterprises better understand and utilize policies [8][9]. - The bank has successfully transferred over 4.7 billion yuan to more than 1,140 small and micro enterprises through government transfer loan funds since 2025, effectively reducing financing costs [8][10]. Group 3: Sector-Specific Initiatives - The bank has provided 10 million yuan in medium-term working capital loans to support the "Hezhou Black Goose" project, addressing the seasonal funding needs of agricultural enterprises [10]. - The "Yuecai Master Loan" product was introduced to support local culinary talents and small restaurants, offering up to 3.5 million yuan in loans without collateral, which helped a local restaurant complete its renovation [9][10]. - The bank has issued over 9 billion yuan in credit to more than 1,300 enterprises in the "Ring Liangjiang" area, supporting tourism and cultural projects [11]. Group 4: Future Outlook - The bank aims to continue leveraging its global resources to deepen financial supply-side innovation and provide diversified financial services to regional enterprises and projects, contributing to the high-quality economic development of Foshan [11].

Core Insights - Postal Savings Bank of China (PSBC) is innovating financial services to support local industries in Zhanjiang under the national strategy of "financial empowerment for the real economy" [1] - The bank has introduced differentiated credit products and service models tailored to the industrial characteristics of Zhanjiang, providing comprehensive financial support to various enterprises [1] Group 1: Support for Private Enterprises - PSBC Zhanjiang Branch launched the "Xiao Wei Yi Dai" credit loan product to meet the financing needs of private enterprises [2] - The bank's customer manager provided proactive on-site services to understand the operational scale and order flow of Zhanjiang Changxing Color Printing Co., successfully matching their needs with the loan product without requiring collateral [2] - The bank's efficient processes and attentive service have garnered high recognition and praise from enterprises [2] Group 2: Technology Financial Services - The bank employs a "qualification credit + future capacity assessment" approval model for technology financial services [3] - Guangdong Xinbangle Technology Co., a provincial-level specialized enterprise, received 20 million yuan in "Science and Innovation Loans" with a streamlined approval process completed in just 7 working days [3] - This funding effectively addressed the company's capital needs for expanding production by supporting the procurement of kaolin raw materials [3] Group 3: Support for Rural Revitalization - PSBC Zhanjiang Branch has increased its financial support for rural revitalization by launching various agricultural credit products [4] - A farmer in Leizhou received 1.5 million yuan in loans, enabling him to contract an additional 364 acres of land, demonstrating the bank's quick approval process [4] - The bank has provided nearly 900 million yuan in loans to technology enterprises and 14.6 billion yuan to small and micro enterprises this year, effectively addressing financing challenges for private enterprises [4] Group 4: Future Plans - The bank plans to continue deepening its focus on county markets and increasing financial investments in key areas such as specialty agriculture and rural revitalization [4] - PSBC aims to enhance financial services to support farmers' income growth and improve industry efficiency, contributing to the high-quality economic development of Zhanjiang County [4]