产品创新，破解科技型企业融资急难筹盼 随着经济发展转型与科技自主创新的深化，科技产业迎来新的发展机遇。与此同时，国内众多科技型中 小企业仍然普遍面临"技术强、资产轻"的融资困境，平均有效质押资产不足传统企业的30%。数据显 示，截至2025年三季度，因担保缺失导致融资受阻的科技型中小企业比例达45%。 转自：新华财经 作为连接科技与资本、创新与市场的桥梁，科技金融在推动科技创新驱动经济发展过程中，扮演着优化 创新资源配置、提升科技成果转化效率的重要角色。近年来，平安银行上海分行依托集团综合金融优 势，聚焦集成电路、人工智能等战略新兴产业，持续创新金融工具，构建覆盖企业全生命周期的科技金 融服务体系，以系统性解决方案助力广大科技企业突破发展瓶颈，为国家重大技术攻关注入金融动能。 全面覆盖，构建全生命周期科技金融服务体系 围绕科技企业在不同发展阶段的差异化金融服务需求，平安银行上海分行积极整合集团资源，提供覆盖 从初创扶持到产业扩张的综合金融支持，为科技企业提供全生命周期科技金融服务。 针对数量庞大的成长期科技型企业，平安银行上海分行深度应用大数据与区块链技术，有效破解传统信 贷依赖抵押物的困局。在张江药谷，专注 ...

Group 1 - The core viewpoint of the articles is the acceleration of banks exploring a new "de-core" model in supply chain finance, driven by supportive policies from the government [1][5] - Ping An Bank's Shanghai branch has launched innovative supply chain finance products targeting upstream and downstream enterprises, utilizing digital products to support small and micro enterprises in the industry chain [1][2] - The People's Bank of China and other regulatory bodies have encouraged the development of the "de-core" model, emphasizing the use of "data credit" and "material credit" to provide financing services to small and micro enterprises without relying on core enterprise credit [1][5] Group 2 - The transition from "entity credit" to "data credit" involves using technologies like IoT, blockchain, big data, and AI to assess the creditworthiness of supply chain participants based on multi-dimensional data rather than solely on core enterprises [2][6] - Several banks, including Rizhao Bank and Shanghai Huari Bank, are actively exploring the "de-core" model, with Rizhao Bank successfully financing 633 million yuan in the pharmaceutical sector through its "Easy融星空" platform [2][3] - Shanghai Huari Bank's "Rui e Hui" product focuses on real transaction behaviors and implements a fully online and intelligent risk control process throughout the loan lifecycle [3][4] Group 3 - The "de-core" model allows financial institutions to leverage digital technologies for real-time monitoring and assessment of supply chain participants, significantly improving risk management efficiency [3][6] - The establishment of a comprehensive data security management system is crucial for the successful implementation of the "de-core" model, ensuring the legality and safety of data usage [4][6] - Financial institutions are encouraged to adopt blockchain technology to ensure the authenticity of data related to small and micro enterprises, thereby addressing their financing challenges [6][7]