未来，北京农商银行将以此次首笔科技研发贷落地为契机，持续深化科技金融创新实践，丰富科技信贷 产品矩阵，完善全生命周期金融服务。通过加强政企协同、细化行业服务方案，加大对高新技术企业、 专精特新企业的支持力度，让金融活水更精准地滴灌科技创新沃土，为北京国际科技创新中心建设与实 体经济高质量发展贡献更多金融力量。 北京华诺泰生物医药科技有限公司是经开区"土生土长"的生物医药企业，深耕疫苗研发领域，其攻关的 相关疫苗项目具有重要公共卫生价值与市场潜力。 一笔236万余元的"科技研发贷"，如一场及时雨，为企业注入了发展活力。后续这笔资金将专项支持疫 苗创新研发与技术攻关，用于企业研发过程中的原材料采购、实验设备升级及研发团队保障等一系列关 键环节，助力企业加速科技成果转化，为提升区域生物医药产业核心竞争力注入动力。 "科技研发贷"是北京农商银行面向科技型企业创新推出的流动资金贷款，用于满足企业在科技创新及成 果转化、科技项目研发和持续型技术服务等方面的需求。除此之外，北京农商银行在科技金融领域形成 了涵盖"专精特新信用贷""科技人才贷""科技订单贷""科创智贷""科创链贷"等产品的75项产品矩阵，覆 盖企业全生命周期 ...

来源：环球网 【环球网报道 记者 齐琛冏】传优秀徽商精神，铸现代金融基业。20年来，徽商银行从最初无现成模 式、无成熟路径的白手起家，凭着"徽骆驼"精神，缔造了城商行改革的安徽样板，生动诠释了徽商精神 在金融领域的时代内涵。 徽商银行成立二十周年之际，环球网记者近日走进安徽，在实地走访中感受到，从深耕地方实体经济到 赋能科技创新，从服务城乡居民生活到支持重大战略实施，徽商银行以金融"活水"润泽千山万水，用责 任担当书写"新时代徽商"的崭新答卷。 以金融血脉融入地方经济发展脉络 二十年与安徽发展同频共振 黄山云海泼墨，徽州古韵流金。安徽，粉墙黛瓦间，藏着千年书香，也积蕴着巨大的发展能量。 打造具有重要影响力的科技创新策源地、新兴产业聚集地、改革开放新高地、经济社会发展全面绿色转 型区（"三地一区"），是安徽的战略定位。 数据显示，"十四五"以来，安徽省生产总值超过5万亿元，16个省辖市在全国经济的排名全部提升，安 徽也历史性迈向经济大省、工业大省行列。 安徽金融为全省经济社会高质量发展提供了坚强有力的支撑。"十四五"以来，全省的社会融资规模连续 保持万亿级增量，人民币存款、贷款规模双双突破9万亿元。 徽商银行的 ...

2025年7月，英国《银行家》杂志发布2025年"全球银行1000强"榜单，徽商银行排名第101位（央广网发 徽商银行 供图） 央广网合肥12月30日消息（记者徐秋韵）2022年，在安徽合肥中安创谷科技园的一间办公室里，合肥德智航创科 技有限公司董事长梁旭面临创业以来最紧张的日子。 公司刚将总部从北京整体搬迁至合肥，手握领先的无人机技术，团队核心来自北航、西工大的"国家队"。但搬迁 的动荡与外部环境的叠加，让公司现金流骤然紧绷，业务衔接出现空窗。 不久后，徽商银行给出了回应：在深入评估其技术潜力和产业前景后，果断提供了1000万元信贷支持。这笔"金融 燃料"帮助企业迅速渡过难关，驶入发展快车道。 对于银行而言，支持一家创业型科技企业并非最"稳妥"的选择，但对于一家志在打破技术壁垒、扎根安徽发展的 企业而言，这笔资金是生存下去、实现跃升的关键支撑。 "企业的创新需求在哪里，我们的金融活水就灌溉到哪里。" 这是徽商银行成立二十年来，扎根江淮、服务实体经济的坚定承诺，也是其主动破解"融资难"命题，与地方科创 力量共生共荣的生动写照。 服务向实，与安徽经济同呼吸共命运 二十年前，在金融改革的大潮中，安徽省委、省政府整 ...

除了持续创新产品，广发银行还打造"信贷+"服务模式，结合小微企业经营发展全周期，提供涵盖便捷 结算、专业财务咨询、有效汇率避险等在内的多元化金融供给。通过整合运用行内优势产品资源，拓展 普惠金融服务外延，积极为小微企业提供贯穿初创、成长、壮大全流程的金融支持。 深耕供应链金融，以大带小激活全链 在众多普惠金融产品创新中，供应链金融因其"源于产业、赋能生态"的独特基因，以及"一链一策"的精 准模式，而被视为最具产业深度与商业智慧的解决方案。广发银行对此也早有布局并持续深耕。 作为一家全国性股份制银行，广发银行充分发挥股份制银行机制灵活、反应迅速的特性，通过创新产品 与优化服务模式，构建起普惠金融2.0模式，持续为小微企业注入发展动能。 在产品创新方面，广发银行一方面加速标准化产品创设与迭代升级，精心打造了涵盖"科创贷""科技人 才贷""惠民兴村贷""惠易贷"等在内的普惠金融产品矩阵，满足不同类型小微企业的差异化需求，实现 了"广覆盖"；另一方面，鼓励分行立足区域经济特色，因地制宜开发专属解决方案，成功推出了服务华 为、习酒、三一重工（600031）的上下游供应链小微企业专属产品，以及为义乌小商品城（600415 ...

Core Viewpoint - The State Council has approved a comprehensive reform pilot for market-oriented allocation of factors in Zhengzhou and nine other regions, aiming to enhance the quality and efficiency of resource allocation through 70 specific measures outlined in the reform plan [1] Group 1: Technological Innovation and Market Development - The reform plan emphasizes the importance of technological factors in driving innovation and proposes reforms in the management of scientific achievements in universities and research institutions [2] - It aims to establish a resource library for scientific achievements and promote the transformation of these achievements to support small and medium-sized enterprises [2] - The plan includes the construction of 30 concept verification centers and pilot bases in high-end equipment, new materials, and biomedicine [2] Group 2: Land Resource Optimization - The plan seeks to improve the efficiency of industrial land use by implementing standardized land transfer and ensuring immediate project commencement upon land acquisition [4] - It proposes measures to revitalize existing land resources and establish a unified urban-rural construction land market [4] - The plan includes policies to support the transformation of old industrial areas into cultural industries [4] Group 3: Talent Attraction and Management - The reform plan aims to relax household registration conditions to facilitate the settlement of agricultural migrants and other residents in Zhengzhou [5] - It proposes the establishment of a digital ecosystem for skilled talent and the development of a talent evaluation system linked to public services [6] - The plan includes initiatives to attract high-end talent and support innovation and entrepreneurship through various programs [6] Group 4: Data and Computing Infrastructure - The plan outlines the establishment of a comprehensive data registration and trading system, along with a national supercomputing center in Zhengzhou [7] - It aims to create benchmark data application scenarios in key sectors such as transportation, healthcare, and education [7] - The plan emphasizes the importance of data asset evaluation and the development of a data-driven economy [7] Group 5: Financial Services for Innovation - The reform plan introduces "Technology Talent Loans" to provide comprehensive financial services for technology-driven enterprises [8][9] - It aims to enhance the capital market's vitality and support the development of various financial products for small and medium-sized enterprises [8] - The plan includes measures to increase the proportion of RMB settlements in foreign trade [9] Group 6: Resource Market Mechanisms - The plan proposes improvements to the market mechanisms for resource allocation, particularly in the electricity and water sectors [10] - It emphasizes the need for a green trading mechanism and participation in national carbon trading [10] - The plan aims to facilitate market-oriented water rights trading to support industrial development [10] Group 7: Advanced Production Factors - The reform plan focuses on the innovative allocation of production factors in emerging industries such as healthcare, artificial intelligence, and low-altitude economy [11] - It aims to establish a comprehensive analysis system for various production factors to enhance decision-making and resource allocation [11] - The plan includes measures to ensure fair distribution of benefits from land use changes to various stakeholders [11]

在江苏扎实推进共同富裕、奋力谱写"强富美高"新江苏现代化建设新篇章的时代背景下，金融力量正发 挥着越来越重要的作用。从普惠金融的精准滴灌，到乡村振兴的深耕不辍，再到绿色金融的持续创新， 作为江苏省首家数字银行，苏商银行以独具特色的服务模式，积极融入发展大局，为江苏经济社会高质 量发展与人民美好生活贡献坚实的金融力量。 □ 本报记者胡春春 目前，苏商银行从顶层设计着手，成立了由行领导挂帅的乡村振兴工作领导小组，构建起"领导小组统 筹、普惠金融部牵头、多部门协同"的高效工作机制，确保资源有效整合、政策精准落地。紧扣建设"新 时代鱼米之乡"目标，苏商银行着力将金融产品创新与提升乡村产业效益和竞争力深度融合。在兴化， 因高温天气导致养殖风险骤增，蟹农成先生急需资金升级增氧设备并采购优质饲料。苏商银行客户经理 在党建共联活动中了解情况后，次日便成功发放51万元"螃蟹场景贷"，解了燃眉之急。 今年6月，苏商银行还正式发布了"仲夏沃土.产链惠农计划"。该计划打破了传统碎片化的服务模式，致 力于从生产前端到消费末端，为农业全产业链的每一个环节提供定制化的金融解决方案。"苏商银行的 全产业链支持，助力我们实现了销售额的历史性突 ...

Core Insights - The 2025 Greater Bay Area Technology and Financial Innovation Development Conference was successfully held, focusing on the theme "Financial Empowerment for Technological Innovation, Building the Future of the Bay Area" [1] - CITIC Bank's Shenzhen branch emphasizes the need for organic integration of financial development and technological innovation to support the construction of a modern industrial system [1] Group 1: Economic Contribution and Innovation Landscape - The Greater Bay Area, covering less than 0.6% of the national land area and less than 6% of the population, contributes to 1/9 of the national economic total [2] - Over 71,000 high-tech enterprises exist in the Greater Bay Area, with 190 national-level manufacturing champions and 2,089 specialized and innovative "little giant" companies [2] - Shenzhen has a R&D investment intensity exceeding 6%, accounting for about 1/3 of the national PCT international patent applications, establishing itself as a key source of technology supply and innovation energy in the Bay Area [2] Group 2: Financial Innovation and Support Mechanisms - CITIC Bank Shenzhen branch actively engages in cross-border financial innovation and capital project openness, addressing institutional obstacles in the development of technology finance [3] - The bank leverages its full-license financial advantages and follows a "one CITIC, one client" principle to provide a relay service plan through "equity, debt, loan, and guarantee" linkage [4] - A one-stop exclusive service system is tailored for the full lifecycle development needs of technology enterprises, enhancing collaboration with private equity, industry capital, and consulting firms [4] Group 3: Strategic Partnerships and Future Directions - CITIC Bank Shenzhen branch strengthens strategic alignment with industry departments to provide comprehensive policy support for technology enterprises [5] - The bank explores collaboration with universities and research institutions to seek opportunities for technology transfer and effective financing support [5] - The bank aims to guide financial resources towards the real economy and technology innovation, continuously innovating its financial service model to enhance support for technology enterprises [5]

Core Viewpoint - The article emphasizes the importance of financial support for technological innovation in the Guangdong-Hong Kong-Macao Greater Bay Area, highlighting the role of CITIC Bank Shenzhen Branch as a key player in this integration of finance and technology [1][3]. Group 1: Economic Contribution of the Greater Bay Area - In 2024, the Greater Bay Area, covering less than 0.6% of the national land area and accounting for less than 6% of the population, generated 1/9 of the national economic output [3]. - The region hosts over 71,000 high-tech enterprises, 190 national-level manufacturing champions, and 2,089 specialized and innovative "little giant" companies, showcasing its status as a fertile ground for technological innovation [3]. Group 2: Role of CITIC Bank in Technological Finance - CITIC Bank Shenzhen Branch is deeply integrated into the development of the Greater Bay Area, actively supporting the "20+8" strategic emerging industry clusters through innovative financial products like "Investment-Loan Linked Points Card" and "Technology Talent Loan" [3][4]. - The bank leverages its full-license financial capabilities and follows a "One CITIC, One Client" principle to provide a comprehensive service model that includes investment, research, and commercial banking [6]. Group 3: Policy and Market Innovations - The bank capitalizes on Shenzhen's policy flexibility and market sensitivity to address institutional barriers in technological finance, engaging in cross-border financial innovations and capital project openings [4][6]. - CITIC Bank Shenzhen Branch is committed to aligning its development strategy with regional industrial planning, utilizing platforms like Qianhai for cross-border financial innovation [4]. Group 4: Comprehensive Support for Technology Enterprises - The bank focuses on the entire lifecycle of technology enterprises, offering tailored services that include collaboration with private equity, industry capital, and consulting firms to provide comprehensive financial and advisory services [6][7]. - CITIC Bank Shenzhen Branch aims to enhance its support for technology enterprises by exploring partnerships with universities and research institutions to facilitate early-stage technology transfer and financing [7].

Core Viewpoint - The development of technology finance is essential for commercial banks, and CITIC Bank has made significant strides in product innovation, investment-loan linkage, and ecosystem construction to support technology enterprises [1] Group 1: Establishment of Technology Finance Center - CITIC Bank established a Technology Finance Center in 2022 to drive the development of technology finance across the bank, acting as a strategic implementation center, development driving center, and resource coordination center [1][2] - The center has selected 21 key technology finance branches and over 200 pioneering branches to create an agile action team that connects upper and lower levels [2] Group 2: Resource Coordination and Risk Management - The Technology Finance Center optimizes systems, integrates resources, and allocates special policies, including incorporating technology finance indicators into the assessment system and providing special subsidies [3] - It has implemented differentiated approval mechanisms to enhance credit efficiency and accessibility for technology enterprises [3] Group 3: Product Innovation and Service Offerings - CITIC Bank focuses on product innovation to create a competitive service system, introducing products like the credit financing model based on innovation scores and the Torch Loan for precise evaluation of technology enterprises [4][5] - The bank offers a full lifecycle of financial services tailored to different stages of enterprise growth, from startup loans to bond issuance and mergers and acquisitions for mature companies [5] Group 4: Ecosystem Development - CITIC Bank aims to provide comprehensive services to technology enterprises, especially startups, by building a multi-dimensional ecosystem through five circles: capital assistance, government empowerment, listing cultivation, industry traction, and result transformation [7] - The bank actively collaborates with various stakeholders, including government departments and market service institutions, to support technology enterprises [7] Group 5: New Subsidiary Launch - CITIC Bank announced the establishment of its wholly-owned subsidiary, Xinyin Financial Asset Investment Co., Ltd., which has been approved to operate, marking it as the second shareholding bank financial asset investment company in China [8] - The new subsidiary will focus on market-oriented debt-to-equity swaps and equity investment in strategic emerging industries, enhancing the bank's comprehensive operational capabilities [8]

Core Viewpoint - Financial institutions must adapt deeply and effectively to drive technological innovation, which is crucial for promoting high-quality economic development in the context of the "14th Five-Year Plan" [1] Group 1: Construction of "Patient Capital" New Paradigm - The cultivation of new productive forces has long cycles and high uncertainty, differing from traditional finance's focus on safety, liquidity, and profitability [2] - To build "patient capital," banks should implement five major transformations: 1. Shift in operational philosophy to become a supportive financial service provider [2] 2. Transformation of product services to cover the entire lifecycle of technology enterprises [2] 3. Change in target clientele to include potential high-tech companies beyond established firms [2] 4. Transition in revenue models towards diversified structures [2] 5. Collaboration shift from isolated efforts to multi-party cooperation [2] Group 2: Internal Mechanism Adjustments - The bank has established a technology finance task force led by the president to strategically position itself in key areas [3] - Key measures include incorporating technology finance credit indicators into the assessment system and creating a supportive environment for lending [3] - Long-term assessment cycles for technology finance business are emphasized to encourage internal motivation [3] Group 3: Innovative Products and Service Ecosystem - The introduction of the "New Quality Loan" product signifies a fundamental shift in evaluation logic, focusing on future potential rather than traditional financial metrics [4] - The bank is exploring innovative products like "Equity Option Loans" to align with the characteristics of technology enterprises [4] - A comprehensive service ecosystem is being developed to support companies throughout their lifecycle, including risk-sharing loans for startups and one-stop financing services for growing firms [4] Group 4: Early Identification of Core Clients - The bank has created a proactive "scout" mechanism to identify future core clients early [5] - Establishing specialized industry teams and technology finance centers in key regions enhances early engagement with potential clients [5] - Collaboration with local government initiatives and industry funds is aimed at building a supportive ecosystem for early-stage technology enterprises [5] Group 5: Risk Management Enhancements - The bank is leveraging technology to enhance risk identification and pricing capabilities through a multi-dimensional assessment approach [6] - The risk management philosophy has evolved from traditional financial analysis to a dynamic evaluation model incorporating technology, industry, and policy factors [6] - The bank aims to integrate various financial services into its development strategy to support the growth of new productive forces [6]