近日，中国人民银行江苏省分行2025年第二季度南京市银行业金融机构服务科技创新效果评估结果出 炉，紫金农商银行脱颖而出，获评"优秀"等级，成为本轮评估中的一匹黑马。 人民银行评估结果显示，本次参与评估的金融机构包括政策性银行、国有大型商业银行、股份制商业银 行、城商行和农商行等多个类别。紫金农商银行在服务科技型企业方面表现突出，特别是高技术制造业 贷款和高技术服务业贷款指标得分较高。 随着我国创新驱动发展战略的深入实施，金融机构服务科技创新的能力已成为衡量其社会价值的重要标 尺。紫金农商银行将以此次科技创新服务评估为新的起点，进一步优化科技金融服务体系，加大对于种 子期、初创期科技企业的支持力度，加强与投资机构、科研院所的合作，构建覆盖科技企业全生命周期 的金融服务生态，不断为南京地区科技型企业注入"金融活水"。 "这并非偶然。"紫金农商银行相关负责人表示，"我们深耕本地市场，持续开展网格化服务，将南京市 划分为多个物理网格，然后对网格内的科技型中小企业进行了重点走访，致力于提供更加贴合企业需求 的金融服务。" 南京某网络科技公司负责人深有感触："我们公司规模小，没有太多固定资产抵押，融资难一直是困扰 公司发 ...

Core Insights - Shenzhen has established itself as a pioneer in financial innovation, particularly in supporting small and micro enterprises and technology companies through various financial products and services [1][2]. Group 1: Financial Products and Services - WeBank, as China's first internet private bank, has been instrumental in providing digital financing solutions such as science and technology loans, intellectual property pledge loans, and guarantee loans, effectively addressing the financing challenges faced by tech enterprises [1][2]. - The "Tengfei Loan" model allows companies to secure medium to long-term low-cost loans without diluting equity, thus supporting their growth without compromising ownership [3]. - The "Science and Technology Initial Access" product has generated over 20,000 profiles for tech companies, facilitating financing for more than 2,200 enterprises [3]. Group 2: Impact and Reach - As of June, WeBank's technology finance services have expanded to 26 provinces and over 280 cities, with its science and technology loan products attracting over 600,000 applications, representing 22% of the total tech enterprises in those regions [2]. - In the first half of the year, 102 companies signed contracts for the "Tengfei Loan," amounting to 360 million yuan, while the "Science and Technology Initial Access" helped 3,761 companies secure loans totaling 4.84 billion yuan [3]. Group 3: Investment and Support - Shenzhen's state-owned enterprises have developed a comprehensive financial ecosystem, creating over 500 funds with a total scale exceeding 700 billion yuan, focusing on strategic emerging industries and future sectors [4]. - The establishment of angel funds and seed funds aims to address the financing difficulties of early-stage tech companies, with over 80 sub-funds set up and nearly 15 billion yuan invested in early projects, resulting in over 200 potential unicorns [4].