转自：新华财经 科技创新是引领发展的第一动力。工商银行内蒙古分行深入贯彻落实国家关于金融支持科技创新的重要 部署，将科技金融作为服务实体经济、培育新质生产力的重中之重，全力书写科技金融"大文章"，为内 蒙古自治区经济高质量发展提供有力金融支撑。 聚焦科创主体，融资规模跨越增长 工商银行内蒙古分行持续加大对科技企业的金融支持力度，贷款规模实现跨越式增长。 专属产品，适配需求：针对初创期、成长期科技企业"轻资产、重智力"的特点，创新推出"高新区积分 贷""科创贷""专精特新贷"等专属产品。面向成熟期"小巨人"企业，提供"科股贷""基投贷""基信贷"等适 配其发展阶段的特色场景化融资方案。 专属评价，破解难题：运用工商银行总行科创企业价值评级模型，结合分行创设的"科技+人才""定性 +定量"专属评价体系，提升价值判断准确性，有效破解轻资产企业融资瓶颈。 专项保障，优化环境：通过规模保障、成本优惠、定价授权等方面给予科技企业政策支持，营造服务精 准高效、金融生态协同的良好环境。 融入区域战略，精准滴灌重点产业 分行紧扣自治区战略导向，围绕重点发展的稀土新材料、新能源装备制造、化工新材料等先进制造业集 群，深入开展产业 ...

为贯彻落实市委经济工作会议及制造业高质量发展大会精神，加大金融资源对重庆制造业的支持力度，11月26日下午，"招"来融资新机 "助"推园企共荣 ——两江新区融资服务进园区入企业活动在两江新区良景工业园顺利举行。本次活动由重庆市中小企业发展服务中心、招商银行股份有限公司重庆分行联 合主办，重庆智酷创新科技发展有限公司承办，重庆两江新区产业运营有限公司、重庆两江战新科创产业有限公司协办，近30家园区企业及相关单位负责 人齐聚一堂，共话融资新机、共促政企银精准对接。 此次融资服务进园企活动，搭建了政策传达、银企对接的"绿色通道"，既让企业精准掌握了最新融资政策和金融产品，也让金融机构更直观地了解了企业 实际需求。智酷也将持续联合政府单位、金融机构组织此类高效、实用的政银企对接活动，推动金融资源与企业发展需求精准匹配。 — END — 活动现场，政策解读环节干货满满。重庆市中小企业发展服务中心程江渝围绕企业发展核心资金需求，逐一解读了《重庆市市级转贷应急周转资金》《重 庆市中小企业商业价值信用贷款》《迭代优化 "技改专项贷" 二十条政策措施（2024-2027 年）》《重庆市制造业产业链供应链数字化金融应用》《金融支 ...

Core Insights - Guangdong is leveraging its unique position as a pioneer in reform and opening up to drive inclusive finance through innovation, urban-rural integration, and coastal development [2] - The Postal Savings Bank of China (PSBC) in Guangdong is implementing a series of financial solutions targeting key sectors such as technology innovation, rural revitalization, and cultural tourism to address financing challenges [2][3] Group 1: Technology Innovation - PSBC Guangdong has introduced a "patent pledge + property mortgage" credit model to convert intangible assets into financing capital, supporting the growth of technology-driven enterprises [3] - The bank provided a credit line of 95 million yuan to a local company, significantly reducing financing costs by over 270,000 yuan through favorable interest rates [3] Group 2: Agricultural and Marine Financing - PSBC Guangdong has developed a comprehensive inclusive finance service system covering agriculture, fisheries, and specialty industries, addressing high financing costs and narrow channels for fishermen [4] - The bank has launched over 140 industry loan projects in specialty agriculture, achieving a loan balance exceeding 20 billion yuan [4] Group 3: Cultural and Tourism Financing - The bank has tailored financial services for the tourism sector, reducing loan approval times to 30 days and providing nearly 100 million yuan for upgrades in tourism infrastructure [5] - PSBC Guangdong has invested over 4 billion yuan in major cultural and tourism projects, contributing to a 25% increase in visitor numbers at upgraded sites [6] Group 4: Overall Financial Impact - As of September 2025, PSBC Guangdong's agricultural loan balance exceeded 130 billion yuan, with an annual increase of over 40 billion yuan in the past three years, reflecting a growth rate close to 50% [6] - The bank aims to continue enhancing product innovation and service processes to support Guangdong's modernization efforts and inclusive finance development [6]

加强货币政策传导，保持信贷总量合理增长。"十四五"期间，人民银行威海市分行通过下调法定存款准 备金率、加强货币政策工具使用等措施，推动金融机构加大信贷投放力度，带动金融总量实现合理增 长。突出"平稳增长、均衡投放"主线，用好用活MPA评估指标体系，引导金融机构强化贷款均衡投放理 念，充分挖掘有效信贷需求，为威海经济大盘稳固提供强有力的金融支撑。截至2025年三季度，全市本 外币贷款余额6157.04亿元，较2020年末增长81.3%。 强化利率自律管理，推动融资成本明显下降。"十四五"期间，人民银行威海市分行充分发挥市场利率定 价自律机制作用，加强治理高息揽储、手工补息等情况，规范金融机构存贷款利率定价行为，保持存贷 款利率在合理水平。深入推进下调政策利率、批量下调房贷利率、明示企业贷款综合融资成本等工作， 通过现场核查、业务培训等方式加强政策指导，畅通利率政策传导渠道，减轻各类市场主体的利息负 担。 三季度末，全市新发放企业贷款利率3.74%，比2020年末下降1.14个百分点，实实在在为实体经济 让利。 齐鲁晚报·齐鲁壹点 连宁燕 "十四五"期间，人民银行威海市分行认真贯彻总分行各项决策部署，紧扣市委市政 ...

Core Insights - The article emphasizes the importance of technology finance in driving high-quality development in Inner Mongolia, with a focus on supporting technological innovation and the real economy [1][3]. Group 1: Financing Initiatives - The bank has significantly increased its financial support for technology enterprises, achieving a loan balance exceeding 57 billion yuan by the end of September 2025 [1]. - A specialized team and dedicated branches have been established to ensure precise and efficient service for technology companies [1][2]. Group 2: Tailored Services - The bank has launched various specialized products such as "High-tech Zone Points Loan," "Innovation Loan," and "Specialized and New Loan" to meet the diverse financing needs of technology enterprises at different growth stages [2]. - A unique evaluation system combining qualitative and quantitative assessments has been developed to enhance the accuracy of value judgments for light-asset enterprises [2]. Group 3: Strategic Alignment - The bank aligns its efforts with regional strategic priorities, focusing on key industries such as rare earth materials, new energy equipment manufacturing, and chemical new materials [3]. - The bank aims to enhance the technological innovation capacity of Inner Mongolia and contribute to the establishment of a modern industrial system [3].

Core Insights - Beijing is enhancing its technology finance service system, focusing on policy innovation, venture capital, credit financing, and other specialized work to support technology enterprises [1][6] Group 1: Investment and Funding - In the first three quarters of this year, equity investment in Beijing reached 112 billion yuan, a year-on-year increase of 47.9% [2] - The government has established 8 municipal investment funds, making investment decisions for 255 enterprises with a total investment amount of 29.8 billion yuan, which has attracted social investment of 104 billion yuan [2] - The total scale of national-level funds established in Beijing exceeds 500 billion yuan, including the third phase of the National Integrated Circuit Fund and the second phase of the Military-Civilian Integration Fund [2] Group 2: Credit and Loan Mechanisms - As of the end of August, the balance of technology loans in Beijing reached 4.2 trillion yuan, reflecting a year-on-year growth of 8.8% [3] - Over 1,400 enterprises have received nearly 70 billion yuan in loans through enhanced bank-enterprise connections and monitoring [3] - The introduction of innovative loan products such as "merger loans" and "technology R&D loans" has led to over 30 billion yuan in applications [3] Group 3: Capital Market and Insurance - More than 60% of listed companies in Beijing are high-tech enterprises, with 475 companies listed [4] - The city has issued over 230 technology innovation bonds, raising more than 520 billion yuan [4] - Beijing has established the first commercial aerospace insurance consortium in the country, providing nearly 5 billion yuan in risk coverage for private aerospace launch projects [4][7] Group 4: Future Plans - Beijing aims to accelerate the establishment of national-level funds and enhance investment in key and emerging industries [6] - The city plans to support banks in exploring innovative loan products with longer terms and optimize the evaluation standards for technology enterprises [6] - Future initiatives include forming a major technology attack insurance community in fields like intelligent driving and biomedicine [7]

Core Viewpoint - The article emphasizes the role of China Postal Savings Bank's Shenzhen branch in supporting the real economy through targeted financial services aligned with national strategies, particularly focusing on the "14th Five-Year Plan" and its five key areas of financial development [2][6]. Group 1: Financial Support for Real Economy - The Shenzhen branch integrates its services with the "14th Five-Year Plan" by focusing on the development of a modern industrial system and strengthening the real economy [2]. - The branch has developed a comprehensive service system that aligns with the "20+8" industrial cluster strategy, ensuring a precise match between financial resources and the needs of Shenzhen's real economy [2][3]. Group 2: Inclusive Finance Initiatives - The branch utilizes its 69 outlets across the city to enhance financial accessibility, particularly in urban agriculture and rural revitalization, launching products like "U Grain Easy Loan" to support the grain industry [3]. - It has served over 3,000 small and micro enterprises, issuing loans exceeding 15 billion yuan, focusing on advanced manufacturing and technology-driven businesses [3]. Group 3: Technological and Green Finance - The branch has established a dedicated technology finance division, offering specialized products like "Tech Innovation Loans" and "Intellectual Property Pledge Loans" to support key sectors such as integrated circuits and artificial intelligence [4]. - It is actively involved in green finance, supporting Shenzhen's dual carbon goals through various financial instruments, including green loans and bonds, particularly in sectors like new energy vehicles and green buildings [4]. Group 4: Regional Development and Strategic Partnerships - The branch has signed strategic cooperation agreements with local governments and organizations, channeling over 1 trillion yuan into major projects within the Guangdong-Hong Kong-Macao Greater Bay Area [5]. - It is committed to enhancing service capabilities through digital transformation and risk management improvements, ensuring robust support for the local economy [6]. Group 5: Focus on Livelihood and Consumer Finance - The branch has launched initiatives to boost local consumption, including personal loan subsidies and partnerships with merchants to enhance consumer experiences [7][8]. - It has developed a comprehensive pension finance system, supporting various aspects of elderly care and financial literacy, with significant growth in personal pension accounts [8]. Group 6: Commitment to Continuous Improvement - The Shenzhen branch aims to deepen its financial services' precision and effectiveness, contributing to the high-quality development of the real economy and supporting Shenzhen's role as a model for socialism with Chinese characteristics [8].

Core Insights - The integration of technology and finance is essential for high-quality development, with a focus on innovation as a core driver of economic growth [1][2] - The Guangdong-Hong Kong-Macao Greater Bay Area (GBA) is emerging as a significant hub for new industries such as artificial intelligence, biomedicine, and high-end equipment, supported by national strategies [1][2] - The "14th Five-Year Plan" emphasizes the importance of technology and innovation, indicating a strategic commitment to achieving technological self-reliance and leadership [1][2] Group 1: Technology and Finance Integration - Technology and finance are interdependent, forming a "double helix" structure that promotes mutual advancement and regional development [2] - Successful global examples, such as Silicon Valley and Wall Street, illustrate the benefits of deep integration between technology and finance [2] - The GBA is leveraging financial resources to enhance technological capabilities, aiming for a synergistic relationship [2] Group 2: Financial Innovations and Achievements - Since the launch of the "technology board" in May, Guangdong has issued 102 technology innovation bonds, exceeding 110 billion yuan by the end of October [2] - Major cities like Guangzhou and Shenzhen are central to venture capital resources, showcasing the GBA's role as an international technology innovation center [2] - Diverse financial instruments, including technology loans and intellectual property pledge financing, are facilitating the transformation of knowledge into capital for tech enterprises [2] Group 3: Cross-Border Financial Development - The acceleration of cross-border financial services in the GBA is providing new momentum for technology finance [3] - Collaborative platforms such as Hengqin, Qianhai, Nansha, and He Tao are establishing a comprehensive and efficient cross-border financial policy framework [3] - Innovative products and mechanisms like "cross-border payment," "bond connect," and "cross-border wealth management" are enhancing global resource connectivity for GBA tech companies [3]

科技创新是高质量发展的核心驱动力。党的二十届四中全会公报多次提及"科技""创新"和"新质生产 力"，并鲜明提出"加快高水平科技自立自强"的战略目标。程国慧指出，这些都充分彰显党中央对科技 创新的高度重视，也预示着"十五五"时期，我国将以更大力度推动科技引领经济发展，坚定"抢占科技 制高点"的战略决心。此外，政策层面明确要求构建与科技创新相适配的科技金融体系，则为二者的深 度融合指明了清晰方向。 作为中国式现代化的关键施工图，"十五五"规划承载着实现中华民族伟大复兴的历史使命。程国慧指 出，当前百年变局加速演进，新一轮科技革命和产业变革向纵深推进，科技与金融创新如同车之两轮、 鸟之两翼，亟须形成双向奔赴、共生共荣的良性互动。 （原标题：证券时报社党委书记、社长兼总编辑程国慧：科技与金融创新 是互促共进的"双螺旋"） 证券时报记者 卓泳 在11月18日举办的第二十届中国经济论坛平行论坛——2025大湾区科技与金融创新发展大会上，证券时 报社党委书记、社长兼总编辑程国慧代表主办方致辞，深入剖析科技与金融深度融合的时代逻辑与探索 实践。 程国慧指出，南沙是粤港澳大湾区这片热土上一颗冉冉升起的璀璨新星，依托得天独厚的区 ...

最近几天，浙江天远生物科技有限公司负责人黄必胜正忙着采购用于临床科研的设备。在企业展厅，每 隔一段时间就会有新的免疫药品展出陈列。"多亏了甬城农商银行为我们量身定制的融资方案，不仅办 理方便，利率还有优惠，产品才能顺利研发、尽早投产。"黄必胜说，接下来，他打算引进专业研发人 才，为企业进一步发展壮大提供坚实保障。 研发周期长、技术投入高，缺乏流动资金成为制约生物科技企业发展的瓶颈之一。天远生物科技是一家 集人体免疫评估、基因检测等于一体的国家高新技术企业，在发展过程中同样遇到了资金困境。 在此基础上，江北区发挥政策性担保赋能作用，让各类科技型企业吃下"定心丸"。比如，针对初创期科 技企业"轻资产、缺抵押"的融资困境，江北在宁波市首创"专利估值+政府增信"质押反担保模式，将专 利技术"明码标价"转化为融资资本，为轻资产初创期科技企业开辟"技术换资金"绿色通道。 为精准服务高速成长型企业的技术成果转化需求，江北区推出"股权投资+担保增信+信贷支持"模式。 截至今年8月，作为辖区政府性担保机构，宁波市正德中小企业融资担保公司累计为全区47户科创企业 提供88笔担保，担保发生额1.35亿元。 金融赋能破解从"实验室" ...