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 ...

近年来，中信银行坚持以服务实体经济为根本宗旨，将金融"五篇大文章"作为履行国有金融企业使命责 任的关键抓手，全力打造"五篇大文章"的中信银行样本，监管评价、市场影响力及品牌口碑表现优异， 实现经济效益和社会效益的同频共振，为中国式现代化贡献中信银行力量。 战略引领统筹布局，体系推进实施"促实效" 中信银行坚定践行金融工作的政治性、人民性，锚定金融强国建设目标，将做好金融"五篇大文章"作为 首要任务，强化组织推动，提升工作成效。强化融入战略，将金融"五篇大文章"内容写进规划，构建涵 盖"五篇大文章"总体方案及各篇专项方案的"1+5"实施体系，将党和国家大政方针深度融入到银行经营 发展中。强化过程管理，完善领导小组及五个专项小组工作机制，积极研究解决工作中的重点难点，持 续监测"五篇大文章"重要指标进展，加强过程督导，加快提升做好"五篇大文章"的合力、动力和能力。 强化配套保障，加强考核引导，加大资源配置，培育专业人才，推广典型案例，提供体系化、制度化的 配套措施，全力保障各项工作有效落地。 科技金融高效赋能，贯通股贷债保"全链条" 中信银行贯彻国家创新驱动发展战略，强化对企业科技创新的支持力度，助力新质生产力发 ...

莱州市某食品股份有限公司是一家集多种食品深加工于一体的科技型企业，近期因加大研发投入、布局 新产品研发，出现阶段性资金缺口。恒丰银行莱州支行认真落实"千企万户大走访"工作部署，组建专项 服务团队，多次深入企业实地调研，全面掌握研发进度、技术优势及资金需求特点，量身定制金融服务 方案，通过"科技成果转化贷"特色产品为企业投放1000万元资金，精准填补研发投入、技术改造及市场 拓展等关键环节的资金缺口。截至11月末，恒丰银行莱州支行为辖区科技型企业发放信贷资金超1.4亿 元，为企业研发创新提供坚实金融支撑。 借助风险共担机制，护航企业成长"稳进提质" 莱州市某机械科技企业主营通用设备零部件加工，拥有2项实用新型专利，具备扎实的技术基础，但受 区位因素影响，运营成本攀升，出现300万元流动资金缺口。烟台银行莱州支行以支持小微企业融资协 调工作机制为依托，严格落实"一户一策"精准服务要求，积极联动政府部门搭建风险共担平台，引入省 市两级风险补偿资金，为企业成功发放300万元贷款，既高效破解企业融资难题，又筑牢金融机构信贷 安全防线，充分彰显科技金融服务"精准滴灌"与"风险可控"的双重成效。 下一步，莱州金融监管支局将 ...

早在2023年初，中信银行杭州分行便在中信银行系统内率先挂牌"科技金融中心"，并在全辖设立16家科 创先锋军机构，其中4家定位为科创专营支行。该行同步出台了科技金融体系建设方案，构建起覆盖企 业全生命周期的"六专体系"，即专职机构团队、专项资源保障、专属产品服务、专门风控体系、专业智 库投研、专有合作生态，推动科技金融服务从"零散化"向"系统化"升级。 在加快建设创新浙江，因地制宜大力发展新质生产力的当下，浙江科技能级不断跃升，区域创新能力连 续4年保持全国第四，研发投入强度也从2020年的2.77%提升到2024年的3.22%，再创新高。 在专业经营体系下，中信银行杭州分行不断丰富科技型企业全生命周期产品谱系，创新推出科创积分 卡、人才贷、投联贷、科技成果转化贷等科创专属产品。这些产品突破了传统银行的信贷审批逻辑，强 调以投资的眼光和专业的模型来评估科技型企业价值，有效满足了企业的多样化融资需求。 这片科创沃土生机勃发的背后，离不开金融活水的精准滴灌。作为改革创新的试验田、探索科创金融的 先行军，浙江是目前唯一拥有两个国家级科创金改试验区的省份。扎根于此的中信银行杭州分行依托集 团产融并举综合优势，持续完善 ...

党的二十届四中全会提出"加快高水平科技自立自强，引领发展新质生产力"，并强调推动科技创新 与产业创新深度融合。 为扎实做好科技金融大文章，建立"股贷债保"联动的金融服务支撑体系，在中国人民银行广东省分 行指导下，中国人民银行东莞市分行创新深化科技金融"股贷担保租"联动服务模式，通过整合多元资源 打破金融壁垒，构建全周期支撑生态，为科技成果转化与产业升级注入持续动力。该模式以省内首份工 作指引为保障，以"缺口介入机制—股贷担保租"工作服务站为载体，首批6支服务队实现"服务覆盖全 域、产品精准适配、融资高效落地"，累计服务企业超1400家，促成融资近50亿元，创新10余项定制化 产品与服务模式，推动金融资源从"单点供给"转向"生态赋能"。 机制破壁以规范化设计激活协同效能 中国人民银行东莞市分行以制度创新破除协同壁垒，牵头搭建统筹协调框架，推动建立"三级联 动"组织体系，出台《"股贷担保租"联动服务队工作指引》，为"股贷担保租"联动服务模式筑牢运行根 基。一是构建"三级联动"组织体系。设立领导决策、执行运营、实施落实三级架构，明确政府部门和服 务队内金融机构职责，建立跨部门政策协同与跨机构业务协作机制，推动服务队 ...

在普惠金融迈入以数字化与生态化为核心的2.0时代，银行业正在经历一场深刻的模式变革。南都"中国 普惠金融行"系列深调研发现，在这一赛道，股份行凭借灵活的机制、精准的战术和创新的打法，走出 了独具特色的普惠之路：在园区金融领域，推出"园区贷"等产品精准锁定园区客群，让园区运营数据等 成为企业融资的"通行证"；在供应链金融方面，实现从"一点授信"到"全链贯通"的批量服务突破；而在 投贷联动的探索中，通过"债权+股权"的组合策略，积极构建覆盖企业全生命周期的金融服务能力。 "园区贷"： 以产业园区为核心纽带连接金融与产业 中小微企业长期以来在融资过程中面临"难、贵、慢、烦"等核心痛点。"园区贷"以产业园区为核心纽 带，一手"牵企业"、一手"牵银行"，深度挖掘"园区信用"价值，辅助银行精准评定企业信用等级。银行 能够基于园区的动态运营数据为企业精准画像，入驻企业则可借此高效对接利率更优、条件更佳的信贷 资源。此举实现了数字化工具与普惠金融理念的深度耦合，有效绕过了对传统抵押物的硬性依赖。 全国多地陆续出台有关金融支持园区高质量发展的相关政策和举措。去年7月，深圳印发《关于大力推 动"园区贷"的工作方案》，引导金融机构 ...

Core Viewpoint - The article discusses the shift in commercial banks' credit assessment logic from a traditional "rearview mirror" approach, focusing on historical financial data, to a "telescope" perspective that emphasizes technology, teams, and future potential, particularly for early-stage technology companies [1][2][7]. Group 1: Shift in Financial Assessment - The 2023 Central Financial Work Conference prioritized "technology finance," prompting banks to explore innovative financial solutions for technology innovation [1]. - CITIC Bank established a Technology Finance Center, integrating investment banking expertise to enhance its technology finance services [2]. - The bank's assessment perspective has evolved to focus on technology and team potential rather than just historical financial metrics [2]. Group 2: Innovative Financial Products - CITIC Bank developed products like the "Technology Achievement Transformation Loan" to support early-stage technology companies lacking traditional collateral [3][4]. - The bank's approach includes a differentiated evaluation model centered on technology value, enabling it to provide critical credit support to technology firms [4]. Group 3: Ecosystem Development - CITIC Bank aims to transition from being a mere funding provider to a comprehensive resource connector, establishing a "Five Circles" ecosystem to support technology enterprises [5][6]. - The bank collaborates with universities and government entities to create a supportive environment for technology companies, facilitating access to resources and investment opportunities [5][6]. - As of September 2025, CITIC Bank's technology enterprise loan balance reached 593.09 billion yuan, reflecting a significant increase and a growing number of specialized enterprise accounts [6].

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 Insights - Anhui Province is actively developing into a significant hub for technological innovation, with Hefei City as a focal point for tech enterprises, supported by financial institutions like Huishang Bank [1] Group 1: Financial Support for Tech Enterprises - Huishang Bank has created a specialized product matrix and improved its financial service system to enhance support for technological innovation in Anhui [1] - A specific tech company in Hefei benefited from Huishang Bank's financial support, receiving a total of 410,000 yuan in loans to address initial funding shortages and support growth during key e-commerce events [2] - The bank's "Common Growth Plan" allows tech companies to secure long-term, low-cost financing while providing banks with priority in various financial services [3] Group 2: Innovative Financial Products - Huishang Bank has developed a comprehensive financial product system tailored to the lifecycle of tech enterprises, including products like "Tech Talent Loan," "Tech R&D Loan," and "Tech Achievement Transformation Loan" [4] - The bank has introduced an online loan product called "Knowledge e-loan," which allows tech companies to leverage their intellectual property for financing, with a maximum credit limit of 10 million yuan [5] - Since the launch of the "Knowledge e-loan" in May, the loan balance has exceeded 300 million yuan, demonstrating the effectiveness of the bank's innovative approach to financing [5] Group 3: Commitment to Local Economic Development - Huishang Bank aims to support the "Three Regions and One District" initiative in Anhui, focusing on high-quality economic development and industrial transformation [5] - The bank is committed to enhancing its role in the local economy by promoting various financial sectors, including technology finance, green finance, inclusive finance, pension finance, and digital finance [5]

专注科技成果转化 服务"更早、更小、更新、更硬" 科技企业作为科技创新的"出题人""阅卷人"和"答题人"，在科技成果转化链条中承担着重要职责，是科 技创新和技术转移的主体。为更好地服务新质生产力企业，促动科技成果转化效率，做好科技金融"大 文章"，中信银行（601998）"科技成果转化贷"产品应势而生。 更好地服务好"更早、更小、更新、更硬"企业，中信银行的科技成果转化贷服务，首先于北京地区试点 推广。该产品授信额度为300万元至3000万元，授信期限最长3年，担保方式以保证担保和知识产权质押 等创新型担保模式为主。产品具备"客群新""差异化""审批快"三大特色。截至2025年9月末，已落地超 60笔业务，提供超3亿元信贷资金支持，贷款投向涵盖固态电池、无人机、半导体材料、量子脑磁图等 众多前沿领域。 "科技成果转化"是科技创新与产业结合的源头起点和内生动力，是科技创新的"最后一公里"。近年来， 国家高度重视科技成果转化工作，出台各项政策，加速解决科技成果转化和技术转移工作中的难点、痛 点和堵点。 银保投组合拳 创设全链条保障 《中共中央关于制定国民经济和社会发展第十五个五年规划的建议》提出，推动科技创新和产 ...