缺抵押物、现金流不足，由此带来的融资难题一直制约科创企业和中小微企业发展。上海探索"政府 +园区+金融"模式，正通过金洽会"园区行"为企业提供解决方案。 青浦工业园区作为首场"园区行"举办地，规划面积56.2平方公里，涵盖青浦综合保税区、张江高新青浦 园两大国家级开发区。园区产值超千亿元、税收超百亿元，主导产业涵盖新材料、生物医药等战略性新 兴产业。青浦区委副书记、区长金晓明表示，金融机构应在三个方面支持园区发展：一是服务国家战 略，推动绿色金融、科技金融标准互认和产品互通，创新跨境和离岸金融服务模式；二是赋能产业升 级，综合运用产业基金、股权投资、科技信贷及投贷联动等方式，为企业提供全生命周期金融解决方 案；三是支持城市建设，为基础设施建设、城中村改造及"农文旅商体展"六业融合发展提供资金保障。 上海市金融办常务副主任周小全表示，金融机构和行业协会要发挥桥梁作用，完善金融服务体系，创新 金融服务范式，进一步提升服务的便利性、精准性和积极性，推动中小微企业发展再上新台阶。 通过金洽会线上线下联动，园区企业能够直面金融机构，快速获取政策、产品和融资方案，提高融资效 率。据悉，金洽会今年创新推出"园区行"，将金融 ...

《实施方案》聚焦金融支持科技创新的重点领域和薄弱环节，多个部门政策组合，增加金融资源供给， 畅通科技三资循环，促进科创产业融合，持续推进科技金融服务提质、扩面、增效，加快实现高质量发 展。 《实施方案》提出，加强科技金融专业能力建设。一是强化数字赋能，鼓励金融机构研发数字化经营工 具，增强企业识别和筛选能力，提升经营管理质效和风险防控水平。二是健全科技金融风险分担机制， 实施支持科技创新专项担保计划，通过组建共保体、再保险等方式分散科技保险风险。三是促进企业信 息共享，推动强化科技创新相关领域信息基础设施建设，为科技信贷评审和保险定价提供信息支持。四 是改进第三方中介服务，提供有公信力的科技咨询、科技价值评估、技术风险评价服务。（赵白执南） 金融监管总局4月1日消息，金融监管总局、科技部、国家发展改革委近日联合发布《银行业保险业科技 金融高质量发展实施方案》提出，加大科技型企业信用贷款和中长期贷款投放，灵活设置贷款利率定价 和利息偿付方式；深化保险资金长期投资改革试点，支持保险公司发起设立私募证券基金，投资股市并 长期持有。 （责任编辑：马欣） 《实施方案》要求，加强科技金融产品体系建设。一是加大科技信贷投放 ...

Core Viewpoint - The joint release of policies by seven departments, including the Ministry of Science and Technology and the People's Bank of China, aims to accelerate the construction of a technology finance system to support high-level technological self-reliance and innovation through 15 specific measures [1][5]. Group 1: Technology Financial Policies - The policies focus on venture capital, monetary credit, capital markets, and technology insurance, providing comprehensive financial services throughout the lifecycle of technological innovation [1][5]. - The establishment of a special mechanism for bank credit support for technological innovation is emphasized, along with the creation of identification standards for technology enterprises [2][5]. - Commercial banks are encouraged to set up specialized technology finance institutions and branches in areas rich in technological resources [2][5]. Group 2: Technology Credit - The policies propose a pilot program for technology enterprise acquisition loans, increasing the loan-to-acquisition price ratio to 80% and extending the loan term to 10 years [2][5]. - Financial institutions are guided to streamline internal loan mechanisms based on the characteristics of project financing in the technology sector, ensuring risk control and compliance [2][5]. - The challenges of risk identification and pricing for technology enterprises, which often possess intangible assets, are acknowledged, highlighting the significance of the new policies for banks [2][3]. Group 3: Technology Insurance - The policies aim to innovate technology insurance products and services, establishing a comprehensive insurance system covering the entire lifecycle of technology enterprises [3][4]. - The importance of developing specialized insurance products for risks such as research and development failures and intellectual property infringements is emphasized [3][4]. - The establishment of a shared risk pool for key technology insurance areas is proposed to enhance the underwriting capacity of insurance institutions [4][5]. Group 4: Financial Support Stability - The policies create a multi-faceted financial service system that effectively addresses the financing challenges faced by technology enterprises at different development stages [6][7]. - Technology credit is seen as a means to provide stable funding for early-stage and growth-stage technology enterprises, promoting a positive interaction between finance and technology [6][7]. - The initiative also supports foreign investment in domestic technology enterprises and facilitates cross-border financing channels [6][7].

Core Insights - Guangzhou has established a credit risk loss compensation fund pool for technology-based small and medium-sized enterprises (SMEs), which has disbursed loans totaling 151.1 billion yuan [1] - The initiative is part of Guangzhou's efforts to innovate in technology finance services and promote deep integration of "technology-finance-industry" [1] - The fund pool has leveraged partnerships with 28 cooperating banks, providing credit amounts totaling 253.4 billion yuan to 14,235 technology enterprises in Guangzhou [1] Summary by Categories Financial Impact - The credit risk loss compensation fund pool has facilitated the issuance of loans amounting to 151.1 billion yuan [1] - The total credit amount provided to technology enterprises has reached 253.4 billion yuan [1] Innovation and Strategy - Guangzhou's technology finance service innovation has been recognized as a model case in Guangdong province [1] - The dual assurance mechanism of "credit assessment + fund pool" encourages banks to increase their technology credit offerings [1] Collaboration and Support - The initiative involves collaboration with 28 banks to support technology enterprises [1] - A credit assessment system for technology enterprises has been established to enhance risk-sharing and promote long-term mechanisms for technology credit issuance [1]

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]

Core Viewpoint - The joint release of the policy measures by seven departments, including the Ministry of Science and Technology and the People's Bank of China, aims to accelerate the construction of a technology finance system that supports high-level technological self-reliance and strength, introducing 15 policy measures to provide comprehensive financial services for technological innovation [1][5]. Group 1: Technology Credit - The policy measures establish a special mechanism for bank credit support for technological innovation, including the development of identification standards for technology-based enterprises and a recommendation mechanism to facilitate effective support from financial institutions [2][6]. - Commercial banks are encouraged to set up specialized technology finance institutions and branches in technology-intensive regions, and to explore long-term internal performance evaluation schemes for technology innovation loans [2][6]. - The measures aim to enhance the internal loan mechanisms of financial institutions based on the characteristics of project financing in the technology sector, ensuring risk control and compliance while determining loan pricing and terms [2][3]. Group 2: Technology Insurance - The policy measures promote innovation in technology insurance products and services, establishing a comprehensive insurance system covering the entire lifecycle of technology-based enterprises [3][4]. - Insurance institutions are encouraged to develop specialized products that cover risks such as research and development failures and intellectual property infringements, providing risk protection for technology enterprises [3][4]. - The establishment of a co-insurance pilot in key areas is proposed to enhance the underwriting capacity of insurance institutions through risk-sharing mechanisms [4][6]. Group 3: Financial Support Stability - The policy measures create a multi-faceted financial service system that effectively addresses the financing challenges faced by technology-based enterprises at different development stages, enhancing the stability and sustainability of financial support for technological innovation [5][6]. - Technology credit is seen as a vital source of long-term funding for startups and growing technology enterprises, promoting a positive interaction between finance and technology [6][7]. - The measures also support foreign investment in domestic technology enterprises and facilitate cross-border financing channels, aiming to create an open and innovative technology finance ecosystem [6][7].

Core Viewpoint - Shenzhen's financial regulatory bureau has issued the "Action Plan for High-Quality Development of Science and Technology Finance in the Banking and Insurance Industries," outlining 25 measures to support the city's development as a global innovation center, emphasizing the importance of financial services in the tech innovation ecosystem [1][2]. Group 1: Action Plan Overview - The Action Plan includes seven key areas: overall requirements, organizational management mechanisms, product service systems, pilot policies, comprehensive ecosystems, risk control capabilities, and organizational support [1]. - The plan aims to enhance the financial support for technology-driven enterprises, with a focus on high-risk, high-reward sectors that typically face financing challenges [1]. Group 2: Financial Support and Metrics - As of March 2025, the loan balance for technology enterprises in Shenzhen reached 1.23 trillion yuan, reflecting a year-on-year growth of 7.23% [1]. - The cumulative risk protection provided by technology insurance in Shenzhen exceeded 900 billion yuan in 2024 [1]. Group 3: Organizational and Product Development - Shenzhen has established a specialized financial service system for technology, including the evaluation of 45 technology branches across key innovation zones [2]. - The Action Plan encourages banks to increase credit loans and long-term loans for technology enterprises, focusing on R&D capabilities and patent values [3]. Group 4: Ecosystem and Collaboration - The financial regulatory bureau collaborates with multiple departments to enhance the technology finance work mechanism, promoting information sharing and risk compensation mechanisms [3]. - The plan supports the establishment of specialized institutions within banks and insurance companies to better serve technology enterprises [2]. Group 5: Innovation and Investment - Shenzhen has seen rapid implementation of innovative policies, with technology enterprise merger loan balances exceeding 3 billion yuan and a 30% year-on-year growth in intellectual property pledge financing [5]. - Five Asset Investment Companies (AIC) have reached agreements for 11 fund collaborations with Shenzhen's state-owned assets, totaling 57 billion yuan [5]. Group 6: Future Goals - Over the next five years, Shenzhen aims to achieve significant improvements in technology finance service quality, expand the number of specialized institutions, and ensure that the growth rates of loans to technology enterprises exceed the average loan growth [6].

Core Viewpoint - The article discusses the implementation plan for high-quality development of technology finance in the banking and insurance sectors, aiming to provide precise and efficient financial support for key areas of technological innovation over the next five years [1]. Group 1: Strengthening Technology Financial Services - The plan outlines 20 specific measures to enhance the service mechanisms, product systems, professional capabilities, and risk control abilities of technology finance [1]. - It emphasizes increasing credit loans and medium-to-long-term loans for technology enterprises, allowing banks to flexibly set loan interest rates and repayment methods [2]. Group 2: Loan Management and Growth - The revised liquidity loan management regulations specify that the maximum term for liquidity loans is generally three years, extendable to five years for businesses with longer cash flow recovery cycles [3]. - Major state-owned banks have reported a loan growth rate exceeding 15% for strategic emerging sectors, with some banks like China Construction Bank and Bank of China exceeding 26% [3]. Group 3: Policy Trials and Collaborations - The plan encourages the optimization of technology insurance services, the promotion of technology finance policy trials, and collaboration between banks and venture capital institutions [4]. - It aims to expand the pilot programs for financial asset investment companies (AIC) to regions with strong economic capabilities and a high number of technology enterprises [4]. Group 4: Investment and Funding Strategies - As of February, five AICs established by major state-owned banks have signed agreements covering 18 pilot cities, with a total signing amount exceeding 350 billion [5]. - The plan supports banks in issuing technology innovation notes and asset-backed securities for qualified technology enterprises [6]. Group 5: Internal Mechanisms and Digital Empowerment - The plan highlights the need to optimize internal assessment and incentive mechanisms, increasing the weight of technology finance indicators in performance evaluations [6]. - It emphasizes the importance of digital empowerment for financial institutions, encouraging the development of digital tools to enhance risk management and operational efficiency [6]. Group 6: Collaborative Efforts - Financial regulatory bodies are urged to strengthen collaboration with local technology and development reform departments to address practical issues in technology finance services [7]. - Local departments are encouraged to provide financial support through loan interest subsidies and risk mitigation measures for key areas of technological innovation [7].