为精准服务高新技术企业、专精特新中小企业及科技型中小企业的创新发展需求，邮储银行德清支行积 极深化科技金融业务布局，通过构建专属评价模型、创新信用贷款产品、优化审批流程，并深入企业开 展实地调研，有效破解了科技型企业"轻资产、高成长"所带来的融资瓶颈。截至2025年11月，该行已累 计为123家专精特新及科创企业提供了信贷支持，投放贷款总额达6.72亿元，显著缓解了企业在研发投 入、产能扩张和流动性管理方面的压力，为区域产业创新和经济高质量发展注入了强劲的金融动力。 与此同时，德清支行聚焦乡村振兴重点领域，将信贷资源向农业产业、乡村建设倾斜。针对莫干山民宿 集群进行整村授信推出的"民宿贷"，截至2025年11月末，已为50余户农户提供3090万元资金支持。同 时，"农贷通"等产品，为家庭农场、农民合作社等新型农业经营主体注入金融活水。截至2025年11月 末，涉农贷款结余41.03亿元，增幅10.47%，让乡村振兴的"钱袋子"更鼓实。 "去年想加建客房时，光装修就差60万，是邮储银行的'民宿贷'解了燃眉之急——3天就放款，利率还 低，现在旺季客房全满，回头客都认我们这儿的人情味！"经营着一家网红民宿的王女士说 ...

Core Insights - The People's Bank of China Jiangsu Branch evaluated the performance of banking institutions in Nanjing regarding their support for technological innovation, with Zijin Rural Commercial Bank receiving an "excellent" rating, marking it as a standout performer in this assessment [1] Group 1: Performance Evaluation - Zijin Rural Commercial Bank excelled in providing financial services to technology-oriented enterprises, particularly in high-tech manufacturing and high-tech service sectors, achieving high scores in relevant loan indicators [1] - In the first half of 2025, Zijin Rural Commercial Bank issued loans totaling 1.191 billion yuan to technology enterprises, reflecting a year-on-year growth of 39.95%, with 760 million yuan allocated to high-tech enterprises, accounting for 76.24% of the total loans [1] Group 2: Strategic Initiatives - The bank has implemented a grid-based service model, dividing Nanjing into physical grids to focus on technology-oriented small and medium-sized enterprises, enhancing the relevance of financial services to meet specific business needs [1] - Zijin Rural Commercial Bank aims to optimize its technology financial service system and increase support for seed and startup technology companies, while also strengthening collaborations with investment institutions and research institutes to create a comprehensive financial service ecosystem for technology enterprises [2]

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].