2025年末，工商银行战略性新兴产业贴现余额近5400亿元，贴现业务服务专精特新"小巨人"客户数同比 增长210%。其中，围绕科技型企业特点，该行充分发挥票据业务成本低、效率高的优势，创新推出"科 技创享贴"专属产品，构建科技型企业全生命周期票据服务方案，精准满足科技型企业融资需求。 新华财经北京3月3日电（记者陆宇航）记者从工商银行获悉，2025年末，工商银行制造业和科技金融贴 现余额均突破万亿元大关，累计服务企业近5万户。其中，2025年全年制造业贴现量近3.3万亿元、科技 金融贴现量超2.5万亿元。 据介绍，线上，工商银行深度参与全国统一票据市场创新建设，在去年11月上海票据交易所打造的票据 综合服务平台正式面向全市场开放的当日，成功落地该平台全市场首笔票据贴现业务，有效提升票据业 务数字化、智能化水平。线下，工商银行将票据业务下沉至基层网点，把专业金融服务送到企业"家门 口"，持续提升票据融资服务的普惠性与可得性。 此外，依托金融科技优势，工商银行推动技术创新与票据业务深度融合。其中，利用AI模型打造"智能 识别-高效审核-全景分析"的票据业务链式服务体系，实现了贸易背景资料"快速上传-智能识别-关键 ...

Core Viewpoint - The "14th Five-Year Plan" period (2021-2025) marks a critical phase for China's bill market, which has undergone significant transformation and development, evolving from a simple payment tool to a comprehensive financial market system that supports financing, liquidity management, and monetary policy transmission [1][2]. Group 1: Economic Development Support - The bill market has shown a strong correlation with economic growth, with the total bill issuance reaching 22.10 trillion yuan by the end of 2020, 1.56 times the issuance of corporate credit bonds during the same period [3]. - By 2024, the total bill issuance is projected to reach 38.30 trillion yuan, with a discount volume of 30.50 trillion yuan, reflecting a 127% increase from the beginning of the period [3]. - In the first half of 2025, the national GDP reached 66.05 trillion yuan, with bill acceptance and discount volumes growing by 11.57% and 12.09% year-on-year, respectively [3]. Group 2: Support for SMEs - The bill market has become a key financial tool for addressing the "financing difficulties and high costs" faced by small and micro enterprises, with 93.80% of bill-signing enterprises being small and micro firms by 2024 [4]. - The total signing amount for small and micro enterprises reached 27.40 trillion yuan, accounting for 71.50% of the total signing amount [4]. - The People's Bank of China reduced the re-discount rate by 0.25 percentage points, effectively lowering the overall financing costs for society [4]. Group 3: Regional Economic Development - The bill market has demonstrated regional characteristics and innovative practices, with local adaptations enhancing economic development [5]. - The successful issuance of the first supply chain bill asset securitization product in Shandong exemplifies the integration of bills and bond markets to support small and micro enterprises [5]. - By July 2025, the bill exchange had established direct connections with 45 supply chain platforms, improving the efficiency and security of supply chain bill operations [5]. Group 4: Innovation and Development - Institutional innovations have been implemented to enhance the regulatory framework, with key regulations introduced to standardize market operations and promote innovation [7]. - The supply chain bill model has emerged as a significant innovation, effectively supporting financing for small and micro enterprises by leveraging core enterprise credit [8]. - Financial institutions have launched diverse bill products tailored to different industries and stages of development, significantly enhancing market service capabilities [9]. Group 5: Infrastructure Improvement - The Shanghai Bill Exchange has played a central role in the bill market's infrastructure, completing major upgrades to enhance operational efficiency and market integration [10]. - The establishment of a bill information disclosure platform has improved transparency and reduced information asymmetry, with over 100,000 enterprises registered by the end of 2024 [11]. - Commercial banks are actively pursuing digital transformation in bill operations, enhancing service and risk management capabilities [12]. Group 6: Risk Management - The risk prevention system in the bill market has significantly improved, establishing a multi-layered, comprehensive risk management network [13]. - Regulatory measures have been introduced to strengthen capital adequacy and liquidity management for financial companies involved in bill operations [13]. - The introduction of an account management function by the Shanghai Bill Exchange has effectively mitigated the risk of fraudulent bill transactions [13]. Group 7: Research and Talent Development - The research ecosystem for the bill market has diversified, with institutions like the Shanghai Bill Exchange conducting regular training and publishing reports to support market innovation [14]. - A systematic approach to talent cultivation has been established, with numerous training sessions conducted to enhance the professional skills of market participants [15]. - Industry communication platforms have been developed to facilitate knowledge sharing and promote innovation within the bill market [16]. Group 8: Market Development Outcomes - The bill market has achieved steady growth and structural optimization during the "14th Five-Year Plan" period, playing an increasingly important role in supporting enterprises, especially small and micro businesses [16][17]. - The market has focused on serving the real economy, preventing financial risks, and promoting financial innovation, leading to significant advancements in market scale, business models, infrastructure, and regulatory frameworks [16][17].