金十数据7月2日讯，从广州市科技局获悉，广州市科技局科技金融三大创新举措入选广东省科技金融典 型案例。广州市持续多年开展科技金融服务创新、推动"科技-金融-产业"深度融合的探索实践显成效。 其中，"信用评估+资金池"双保障促银行大胆投放科技信贷。广州设立科技型中小企业信贷风险损失补 偿资金池，建立科技企业信用评估体系，完善政府引导、市场运作、协同推进的风险共担促科技信贷投 放长效机制。截至5月底，资金池撬动28家合作银行累计为广州市14235家科技企业提供授信金额2534亿 元，累计发放贷款额为1511亿元。 （上证报） 广州科技型中小企业信贷风险损失补偿资金池累计发放贷款1511亿元 ...

6月19日，市人民政府新闻办公室召开武汉市推动科技创新与产业创新融合发展系列新 闻发布会透露，到2027年，设立科技金融专营机构50家以上，股权投资基金规模突破3000亿 元，培育"金种子""银种子"企业500家以上，加快建设全国科技金融中心。 会上发布的《武汉市推动科技金融高质量发展 加快建设全国科技金融中心行动方案 （2025—2027年）》（以下简称《行动方案》）提出，紧扣种子期、初创期、成长期、成熟 期等不同阶段科技型企业融资需求，运用"股贷债保担"等一揽子金融工具，为科技型企业提 供多元化、接力式金融服务，建立起覆盖科技创新的全生命周期的金融服务体系。 市委金融办副主任、市地方金融管理局副局长谢济全介绍，该《行动方案》系统部署实 施"五大行动"，包括耐心资本培育、科技信贷提质、多层次资本市场建设、风险补偿分担、 科技金融生态优化行动等，共20项具体措施。 在科技金融生态优化行动方面，将完善科技型企业推荐机制，打造常态化科技金融活动 平台，推动科技金融开放合作，健全科技金融绩效评估机制。 市委金融办相关负责人表示，下一步，将会同相关部门及各区，共同推动《行动方案》 各项任务落实落地，努力推动武汉全国科 ...

武汉市政府日前发布《武汉市推动科技金融高质量发展加快建设全国科技金融中心行动方案(2025— 2027年)》(下称《方案》)，发布5大行动总计20条举措，助力武汉市加快建设全国科技金融中心。 《方案》提出，到2027年，设立科技分支行、科技保险分支公司、科技金融事业部等科技金融专营机构 50家以上，股权投资基金规模突破3000亿元，科技型企业贷款余额突破5000亿元，培育"金种子""银种 子"企业500家以上。 强化政府投资基金引导作用 武汉市将按照"股权投资做引导、债权融资做增信、多层次资本市场公开募资做培育"的工作思路，紧扣 种子期、初创期、成长期、成熟期等不同阶段科技型企业融资需求，运用"股贷债保担"等一揽子金融工 具，为科技型企业提供多元化、接力式金融服务。 在耐心资本培育行动方面，《方案》提出强化政府投资基金引导作用，拓宽科技创新长期资本来源，扩 大科技成果转化股权投资，畅通股权投资退出渠道，优化政府投资基金考核评价机制等5条具体举措。 允许种子基金、天使基金分别出现最高不超过投资总额80%、60%的亏损，根据尽责评估情况，种子直 投、天使直投单个项目最高允许100%亏损。 为强化政府投资基金引导作 ...

Core Viewpoint - The Wuhan Municipal Government has released an action plan to promote high-quality development of technology finance, aiming to establish a diversified financial service system that aligns with technological innovation throughout the entire lifecycle of tech enterprises [1] Group 1: Action Plan Overview - The action plan outlines five major areas of focus, emphasizing a work approach that includes equity investment as guidance, debt financing for credit enhancement, and multi-tiered capital market public fundraising for cultivation [1] - By 2027, the plan aims to establish over 50 specialized technology financial institutions, with equity investment fund scale exceeding 300 billion yuan and loans to tech enterprises surpassing 500 billion yuan [1] Group 2: Government Investment Fund Role - The plan highlights the need to strengthen the guiding role of government investment funds, increasing their participation in seed and angel funds to over 50% [2] - Government investment funds are required to invest at least 20% of the new investment amount in seed and angel funds or directly in tech innovation projects [2] Group 3: Long-term Capital Sources - The plan aims to broaden the sources of long-term capital for tech innovation by utilizing financial asset investment company (AIC) equity investment pilot policies and attracting insurance funds [2] - It encourages the establishment of a matrix of technology innovation funds, including seed funds, angel funds, industry funds, and merger funds [2] Group 4: Evaluation Mechanism - The plan optimizes the evaluation mechanism for government investment funds, focusing on the entire fund lifecycle rather than individual fund or project performance [3] - A fault-tolerant mechanism is established to exempt funds from liability due to unforeseen circumstances affecting investment outcomes [3] Group 5: Technology Credit Quality Improvement - The plan promotes the establishment of a specialized service system for technology credit, expanding the scale of technology credit issuance and innovating technology credit products [3] - It encourages commercial banks to set up specialized technology financial institutions to provide comprehensive services for tech enterprises [3] Group 6: Capital Market Development - The plan emphasizes the need to strengthen the cultivation of tech enterprises for listing, collaborating with Shenzhen Stock Exchange to create a comprehensive service platform for prospective listed companies [4] - It supports the listing of tech enterprises that achieve key technological breakthroughs and encourages mergers and acquisitions among tech firms [4]

方案明确强化政府投资基金引导作用。政府投资基金参与种子基金、天使基金等创业投资基金的出资比 例提高至50%以上，参与设立的创业投资基金存续期最长可达15年。政府投资基金投资设立种子基金、 天使基金或者直接投资科技创新项目的资金总额，应不低于当年新增投资额的20%。允许政府投资基金 差异化设置种子期、天使期单个项目投资额度上限。允许政府投资基金实行投资激励，给予母、子基金 社会出资人和基金管理机构合计最高不超过政府投资基金全部增值收益的奖励。 方案提出，拓宽科技创新长期资本来源。用好金融资产投资公司（AIC）股权投资试点政策，吸引保险 资金参与AIC股权投资试点。支持创业投资机构、产业投资机构发行科技创新债券，拓宽融资渠道。争 取社保基金、保险资金、金融资产管理公司（AMC）、企业风险投资（CVC）、银行理财子公司、信 托公司等在我市设立创业投资基金或者参与基金出资，打造涵盖种子基金、天使基金、产业基金、并购 基金的科技创新基金矩阵。 【导读】武汉市人民政府发布《推动科技金融高质量发展加快建设全国科技金融中心行动方案（2025— 2027年）》 见习记者庄佳 为构建同科技创新相适应的科技金融体制，建立覆盖科技创 ...

Core Insights - Artificial Intelligence (AI) is a strategic technology driving a new wave of technological revolution and industrial transformation, particularly in the financial sector [1] Application of AI in Finance - AI can collect and process more extensive and richer data, which is fundamental for decision-making in finance. For instance, investors are using AI to analyze the micro-expressions of the Federal Reserve Chairman during press conferences to gauge the emotional state of financial decision-makers and its market implications [1] - The use of AI technology enhances market trend predictions by providing more information and faster calculations, allowing for multiple analytical perspectives on the same data [1] Automation and Personalization of Financial Services - AI enables automated and personalized financial services, exemplified by intelligent customer service systems that improve efficiency and can transform cost centers into profit centers through data-driven marketing [2] - AI significantly enhances fraud detection capabilities by utilizing data and algorithms to identify abnormal transactions, which is crucial for the financial industry [2] - Big data lending is a mature application of AI in finance, addressing the financing challenges faced by small and medium enterprises, low-income households, and rural economic entities by improving credit risk assessment and management [2] Future Implications of AI in Finance - The future impact of AI on the financial industry remains uncertain, particularly regarding whether it will lead to greater market stability or instability. While big data lending may enhance risk control and potentially lower financing costs, the widespread application of AI could also amplify market resonance and financial risks [2] - The fundamental principles of the financial industry are unlikely to change due to AI, but the specific balance points may shift, necessitating ongoing observation and research [2]

中新网杭州5月30日电(鲍梦妮陈可欣)5月30日，2025全国科技工作者日浙江(杭州)主场活动在杭州举 行，现场揭牌浙江省科技型企业家联合会，并发布针对科技型企业家培育、赋能的政策支持包、智力支 持包、金融支持包。 在政策支持包方面，位于杭州市萧山区的浙江省科技型企业家集聚区将对新认定为国家级、省级制造业 创新中心，给予一次性2000万元、1000万元激励；推出"安心宝"服务，建立多方风险共担机制，设立首 期1亿元"科创风险池"；举办"科学家创业营"，首期招收100位学员，面向有创业意愿的科学家和初创科 技型企业负责人提供高品质、实战型的长期、免费创业陪跑服务。 同时，位于杭州市余杭区的浙江省科学企业家创新园对海内外顶尖人才领衔的未来产业创新创业项目， 给予最高1亿元资金支持。海内外高层次人才领衔的创新创业项目，可享受三年最高1200万元研发补 助，最高300万元工作场所租金补助，最高1000万元天使引导基金资助。该创新园还提供贷款贴息资 助、服务券等补助。 在智力支持方面，该省计划持续导入院士专家高端智力资源，支持有条件的企业建立院士工作站、专家 工作站和博士创新站等，并根据企业具体需求，对接浙江省未来产业 ...

一、绿色金融、科技金融与数字金融将加速融合发展 我国实体经济加速绿色化、科技化、数字化转型，推动了绿色金融与科技金融、数字金融融合发展。新 质生产力发展导向下我国企业的发展动力、要素投入、运营方式、相互关系发生革命性变化，企业生产 运营全流程的科技化、数字化、绿色化转型全面深化，对相应的金融服务也提出更高要求，推动近年来 绿色金融、科技金融与数字金融三者快速发展、相互赋能。国务院办公厅发布的《关于做好金融"五篇 大文章"的指导意见》明确提出要构建科技金融、绿色金融、数字金融协同发展的框架，通过政策协同 与配套支持促进三者深度融合。在政策引导下，绿色金融、科技金融与数字金融的融合发展既是金融供 给侧结构性改革的重要方向，也是实现"双碳"目标、培育新质生产力的关键引擎。 科技金融可以提升绿色金融服务的精准性，拓宽绿色金融内涵。第一，科技金融可以推动金融机构更好 地借助大数据、人工智能、区块链等技术，高效收集、处理、分析企业的环境信息，从而提升对绿色企 业和绿色项目识别能力，降低企业和项目"洗绿"风险。第二，在识别绿色企业和绿色项目的基础上，科 技金融还可以赋能金融机构优化绿色金融产品设计、风险管理和决策，例如借助 ...

Core Viewpoint - In 2024, the Construction Bank Yancheng Branch has achieved significant results by focusing on serving the real economy, enhancing service capabilities, and adhering to the guidance of Xi Jinping's thoughts and the spirit of the 20th National Congress of the Communist Party of China [1][2] Group 1: Financial Performance - The total loan balance reached 114.7 billion yuan, with an increase of 19.7 billion yuan, representing a system share of 7.8% and a growth rate of 20.7% [1] - The technology finance sector focused on 5,021 small and medium-sized technology enterprises, 2,224 high-tech enterprises, and 900 specialized and innovative enterprises, with a technology credit balance of 4.22 billion yuan and an annual increase of 1.287 billion yuan [1] Group 2: Support for Key Projects - The bank has increased support for the "Three Major Projects," with new loans for park construction projects amounting to 10.038 billion yuan and housing rental loans for companies reaching 476 million yuan [2] - The bank is committed to aligning policies with industry needs, supporting the development of strategic emerging industries such as new materials, new energy, and energy conservation and environmental protection [2] Group 3: Customer Service and Accessibility - The bank has improved customer service quality, establishing the Xixin Branch as a barrier-free service demonstration outlet and creating 11 outlets as age-friendly demonstration sites [2] Group 4: Governance and Strategic Planning - The bank has conducted 20 sessions of "First Agenda" learning and held 49 party committee meetings and 45 executive meetings throughout 2024, emphasizing strict party governance [2] - Looking ahead to 2025, the bank aims to enhance its capabilities, align with the goals of the 14th Five-Year Plan, and ensure sustainable and coordinated growth while focusing on high-quality development [2]

科技部、中国人民银行等七部门近日联合发布《加快构建科技金融体制有力支撑高水平科技自立自强的 若干政策举措》，重点围绕创业投资、货币信贷、资本市场、科技保险等方面，推出15项科技金融政策 举措，为科技创新提供全生命周期、全链条的金融服务。 "一直以来，银行信贷支持科技创新的难题在于风险识别与计量定价。对于科技型企业而言，其核心资 产多为前沿技术等'软资产'，资产价值有待市场验证，银行也缺乏有效数据和评价标准去判断其真实经 营状况。"四川天府银行董事长黄毅告诉记者，《政策举措》的出台对于银行发展科技信贷意义重大， 相关金融配套政策、风险分担机制等有望尽快建立起来。 科技保险为企业提供风险保障 《政策举措》明确，推动科技保险产品和服务创新。健全覆盖科技型企业全生命周期的保险产品和服务 体系，完善产品、服务创新机制和监管激励保障政策。探索以共保体方式开展重点领域科技保险风险保 障，开展重大技术攻关、中试、网络安全等风险分散试点。鼓励保险资金参与实施国家重大科技任务。 "科技型企业大多具有轻资产、抵押物少、研发周期长等特征，这些都制约了科技金融服务质效的发 挥。目前，知识产权质押融资已取得一定进展，但整体上处于探索阶段 ...