在天津市武清区，一种新型的科创企业融资模式在服务传统产业转型中发挥着重要作用。位于武清区的 天津博顿电子有限公司生产车间，无尘生产线洁净如新，自动化流水线匀速运转。工人们戴着防静电手 环，指尖精准插拔汽车电子线束，电子扳手拧螺丝时发出清脆"咔嗒"声。检测工位上，工程师紧盯仪 器，逐一测试扬声器与电控模块，合格产品被贴上追溯二维码整齐下线。 怎么办？在传统融资模式下，没有抵押物，金融机构很难为企业提供融资支持。近年来，针对科技金融 领域的痛点堵点，农业银行陆续出台了多项扶持科技金融的差异化政策及配套产品。2022年，农行天津 武清支行在了解到企业需求后，积极与企业建立信贷合作关系，为博顿电子提供1500万元信贷支持，以 企业名下一厂房足值抵押担保模式解决企业日常经营周转、货款支付等资金需求，为企业稳健运营筑牢 金融根基。 随着博顿电子在科创领域的持续突破与市场份额的稳步扩张，金融机构又敏锐捕捉企业发展的新需求。 农行天津武清支行客户部经理夏煜坤带队上门走访企业，主动为其适配科创贷款差异化政策，将企业授 信额度提升至2000万元，更将担保方式优化为信用方式，同步匹配科创贷款优惠利率。这一"量体裁 衣"的金融支持， ...

近年来，光大银行呼和浩特分行一直致力于深入贯彻党的二十大精神、党的二十届三中全会精神、中央 金融工作会议和中央经济工作会议精神，扎实做好科技金融大文章，把更多金融资源用于促进科技创 新，培养新质生产力，建立健全科技金融支持服务体系，为科技型企业提供全生命周期的多元化接力式 金融服务。 未来，光大银行呼和浩特分行将持续加强科技金融相关政策宣传和制度建设工作，优化产品体系，运用 协同力量，提升专业能力，推动支持服务科技型企业贷款增量扩面，为科技型企业高质量发展贡献力 量。（李贺） 编辑：张震 转自：新华财经 在科技创新成为驱动高质量发展核心引擎的今天，破解科创企业"轻资产、长周期、高投入"的融资痛 点，是金融服务实体经济的关键命题。光大银行呼和浩特分行始终坚守"金融报国、服务实体"初心， 以"长期主义"视角深耕科技金融，通过创新信贷评估体系、为科技型动保企业提供信贷支持。 生物医药产业的创新之路，从来离不开长期稳定的资金灌溉。但该行业面临研发投入持续加大、产能扩 张亟需资金的困境，传统信贷"重抵押物、轻技术力"的评估模式成为其融资路上的"拦路虎"。光大银行 呼和浩特分行在深入调研后发现，该行业中某企业拥有多项核心 ...

2025年以来，中原银行南阳分行主动作为，创新推出"四维服务"体系，全方位助力科技型中小企业打通 申报通道、享受政策红利、实现高质量发展。 精准摸排，锁定潜力企业 为确保服务精准触达，中原银行南阳分行构建了"网点走访+客户经理对接+线上大数据筛选"的多维度 排查体系。重点聚焦高新技术产业、战略性新兴产业领域，精准识别拥有自主知识产权、研发投入稳 定、具备创新潜力但尚未申报的小微企业，建立专属服务台账。通过"一对一"上门沟通，深入了解企业 需求，主动推送申报政策、办理流程及银行配套支持方案，让企业清晰知晓申报价值与路径。 费用全免，降低申报门槛 针对企业申报过程中的资金顾虑，中原银行南阳分行设立专项基金，全额承担科技型中小企业申报过程 中产生的咨询服务费、材料编制费等所有相关费用，从根本上减轻企业经济压力。截至10月末，该行已 累计助力30余家小微企业成功获评"科技型中小企业"资质，累计承担申报费用超5万元，同步配套发放 科创贷款超3亿元，实现"申报赋能+融资支持"无缝衔接。 专业护航，提升申报效率 为提高申报成功率，中原银行南阳分行组建了一支兼具科技政策解读能力与金融专业素养的专项服务团 队，并与第三方专业申 ...

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Group 1: Company Overview - Zhejiang Xinxing Technology Co., Ltd. is a high-tech enterprise specializing in the manufacturing of automotive wheel hub bearings, currently in a critical phase of capacity ramp-up [1] - The company has successfully upgraded its equipment and significantly increased production capacity thanks to a 10 million RMB loan from Postal Savings Bank's "Specialized and Innovative Loan" program [1] Group 2: Financial Support and Impact - Postal Savings Bank's Deqing branch has actively deepened its technology finance business layout, providing tailored credit loan products and optimizing approval processes to address the financing bottlenecks faced by technology enterprises [1] - As of November 2025, the bank has provided credit support to 123 specialized and innovative enterprises, with a total loan amount of 672 million RMB, alleviating pressures on R&D investment, capacity expansion, and liquidity management [1] Group 3: Rural Revitalization Initiatives - The Deqing branch focuses on rural revitalization by directing credit resources towards agricultural industries and rural construction, having provided 30.9 million RMB in funding support to over 50 households through the "Homestay Loan" program [2] - The "Agricultural Loan Pass" product has injected financial resources into new agricultural operating entities, with agricultural loan balances reaching 4.103 billion RMB, reflecting a 10.47% increase [2] Group 4: Customer Testimonials and Service Efficiency - A customer operating a popular homestay highlighted the efficiency of the "Homestay Loan," which provided 600,000 RMB for renovations within three days at a low interest rate, contributing to full occupancy during peak season [3] - The financial services of Postal Savings Bank's Deqing branch are closely aligned with the development of Deqing, providing continuous momentum for high-quality county economic development [4]

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].