1月6日，广州市天河区2026年第一场产业对接活动在广州国际金融城举行。活动聚焦人工智能赋能生物 医药、新材料等产业创新发展，搭建高效对接平台，推动区域产业协同与生态构建。 这不仅是一场简单的产业对接活动，更是天河区产业布局的"风向标"。广州第一经济大区开年首场产业 对接会，传递出哪些信号？ 从药物发现到千行百业 打造"人工智能+"创新联合体 2026年是"十五五"开局之年，"全面实施'人工智能 +'行动" 的国家战略部署，让人工智能成为驱动发展 的核心动能。天河区这场开年产业对接会，明确传递出将人工智能作为产业发展"重头戏"的坚定立场。 作为连续18年稳居广州经济第一区的天河，早已打下坚实基础。金融业、新一代信息技术、高端专业服 务业三大千亿级产业集群，为"AI+"融合提供了广阔场景。 目前，天河区正着力在天河智慧城打造"一园一谷"产业空间发展格局。天河生命谷围绕中山大学肿瘤医 学科学中心布局发展生物医药研发环节，并充分发挥区内三级医疗机构的临床资源试验赋能作用，加速 吸引集聚一批药械研发、CRO服务等领域企业。2112工园则聚焦智能制造和生命健康两大领域，大力 发展药械研发、生产制造等环节。 随着广州湾区 ...

Core Viewpoint - The article emphasizes the strategic transformation and development of Zhongyuan Bank as it enters its second decade, aligning its goals with the "Six Strong Provinces" initiative of Henan Province, focusing on high-quality development and comprehensive financial services [1][3]. Group 1: Strategic Development - Zhongyuan Bank has evolved from a regional city commercial bank to a leading financial institution in Henan, with total assets exceeding 1.4 trillion yuan [1]. - The bank aims to become a first-class city commercial bank and a leader in financial services, focusing on four key roles: government bank, industrial bank, citizen bank, and rural revitalization bank [1][3]. Group 2: High-Quality Development - The bank's strategic transformation began in 2024, emphasizing a differentiated development path to support high-quality growth in the region [3]. - Zhongyuan Bank has signed strategic cooperation agreements with nine city governments and successfully opened provincial social security fund accounts, enhancing government-bank collaboration [3]. Group 3: Financial Services for Citizens - As a "citizen bank," Zhongyuan Bank focuses on serving the long-tail customer base, enhancing its mobile banking services, and launching new financial products to stimulate consumer spending [4]. - The bank has achieved 90% coverage of financial services in rural areas, embedding financial services into grassroots governance to support rural revitalization [5]. Group 4: Support for Innovation and Manufacturing - Zhongyuan Bank is committed to supporting the manufacturing sector, which is crucial for the regional economy, by focusing on the modernization of industrial systems [6]. - The bank has developed a differentiated service system for technology enterprises, providing tailored financial products to meet diverse financing needs [7]. Group 5: Agricultural and Digital Integration - The bank has implemented initiatives to enhance financial services in rural areas, focusing on agricultural financing and digital transformation [9][10]. - By mid-2025, Zhongyuan Bank had developed 92 specialized financial service plans for key agricultural industries, significantly supporting rural economic development [10]. Group 6: Financial Infrastructure Expansion - Zhongyuan Bank has established a comprehensive financial service network in rural areas, including 168 county-level branches and nearly 5,000 rural financial service points [11]. - The bank's mobile banking service has reached 4.19 million users, reflecting its commitment to improving financial accessibility in rural regions [11].

作为制造业重镇与全球大港，宁波正将金融"活水"精准引向科技创新与产业升级，在国家多项金融改革 试点的赋能下，构建起服务新质生产力发展的现代金融生态。日前，宁波市委金融办相关负责人在接受 中国证券报记者专访时表示，宁波金融系统正着力推动金融资源与实体经济特别是先进制造业、未来产 业高效融合，通过深化改革与创新服务，强化"耐心资本"供给，为区域经济高质量发展构筑坚实的资本 支撑。 ● 本报记者杨梓岩 畅通血脉：融资攻坚与直融扩围 服务实体经济，是宁波金融改革的出发点和落脚点。宁波市委金融办相关负责人指出，过去几年，宁波 金融系统着力构建"大金融"生态，核心目标就是破解融资难题，推动社会融资规模实现量质双升。 他介绍，针对重大项目融资的堵点，宁波借助"甬金通"等数字化平台开展"投融攻坚"，2025年上半年即 支持重大项目融资1460亿元，并靠前参与政策性金融工具申报。强有力的金融支持，使得制造业贷款增 量稳居浙江省首位，稳固了实体经济的根基。 在间接融资持续发力的同时，宁波大力拓展直接融资渠道，改变过度依赖银行的传统格局。"我们支持 优质企业通过上市、发债、并购重组等多元工具融资发展。"宁波市委金融办相关负责人表示 ...

作为制造业重镇与全球大港，宁波正将金融"活水"精准引向科技创新与产业升级，在国家多项金融改革 试点的赋能下，构建起服务新质生产力发展的现代金融生态。日前，宁波市委金融办相关负责人在接受 中国证券报记者专访时表示，宁波金融系统正着力推动金融资源与实体经济特别是先进制造业、未来产 业高效融合，通过深化改革与创新服务，强化"耐心资本"供给，为区域经济高质量发展构筑坚实的资本 支撑。 ● 本报记者 杨梓岩 畅通血脉：融资攻坚与直融扩围 服务实体经济，是宁波金融改革的出发点和落脚点。宁波市委金融办相关负责人指出，过去几年，宁波 金融系统着力构建"大金融"生态，核心目标就是破解融资难题，推动社会融资规模实现量质双升。 他介绍，针对重大项目融资的堵点，宁波借助"甬金通"等数字化平台开展"投融攻坚"，2025年上半年即 支持重大项目融资1460亿元，并靠前参与政策性金融工具申报。强有力的金融支持，使得制造业贷款增 量稳居浙江省首位，稳固了实体经济的根基。 在间接融资持续发力的同时，宁波大力拓展直接融资渠道，改变过度依赖银行的传统格局。"我们支持 优质企业通过上市、发债、并购重组等多元工具融资发展。"宁波市委金融办相关负责人表 ...

近日，在财经网2025年金融业年度评选中，宁波银行（002142）凭借在业绩表现、业务发展及书写金 融"五篇大文章"方面的优异表现，以及在金融领域持续深耕、创新发展的成果，获评"年度上市银行"。 2025年，作为"十四五"规划收官之年与"十五五"规划谋篇布局的关键交汇点，金融行业使命在肩、责任 重大。 站在新的历史起点，宁波银行坚持金融服务实体经济的初心和使命，始终秉持"金融为民"的理念，纵深 推进"四化五帮"金融服务体系，用实际行动书写金融助力实体经济高质量发展的新篇章。 综合实力筑牢行稳致远根基 荣誉背后，是该行深度践行金融工作政治性与人民性的坚守。该行紧扣国家战略导向，系统性推进科技 金融、绿色金融等"五篇大文章"，通过专业化服务与数字化创新，升级企业服务系统，搭建多元服务平 台，全方位赋能实体经济高质量发展，以全球百强银行的责任担当注入金融动能。 彰显金融企业"担当本色" 作为一家具有社会责任感的全国系统重要性银行，宁波银行始终坚守服务实体的初心。 在新时代的浪潮中，宁波银行积极响应国家号召，致力于做好金融"五篇大文章"，书写金融助力实体经 济高质量发展的新篇章。 2025年以来，面对银行业经营承压的 ...

目前，首批试点地区评选、资金池的管理办法制定、合作机构遴选等工作正在有序推进。下一步，省财 政厅将继续积极配合省科技厅，持续完善资金池运作机制，探索扩大试点范围，推动更多金融资源畅通 无阻地流向科技创新最前沿、经济发展主战场，为科技创新发展注入强劲的科技金融动能。 此次设立的科技信贷风险补偿资金池，核心在于建立"政银风险共担"机制，即政府对贷款损失提供有限 补偿，其余风险由银行承担。省财政厅、省科技厅统筹安排专项资金作为初始风险补偿资金，试点地区 1∶1配套资金，共建资金池。当符合条件的科技型企业发放贷款发生风险损失时，资金池将按照事先约 定的比例对金融机构进行风险补偿。这一设计，既显著降低了金融机构为科技型企业提供信贷支持的风 险预期，提升了其敢贷、愿贷的积极性，又严格控制风险敞口，保障了财政资金安全。 唐佳丽 孔爱群 深入贯彻落实创新驱动发展战略，优化区域科技创新生态，今年，省财政厅配合省科技厅统筹省科技专 项资金，创新设立了"省级科技信贷风险补偿资金池"，并创新采用"揭榜挂帅"机制组织实施试点，有效 发挥财政资金杠杆放大和风险保障作用，引导更多金融资源精准、高效服务科技型企业，着力破解融资 难、融资贵问 ...

Core Viewpoint - The article highlights the growth and strategic direction of Zhongyuan Bank, emphasizing its alignment with the "Six Strong Provinces" initiative in Henan and its commitment to supporting regional economic development through its "Four Banks" strategy [2][4][13]. Group 1: Growth and Development - Since its establishment in 2014, Zhongyuan Bank's total assets have increased from 200 billion to over 1.4 trillion yuan, and its service network has expanded from around 400 branches to cover the entire Henan province [2]. - By the end of June 2025, Zhongyuan Bank had established 168 county-level branches, 87 town-level branches, and nearly 5,000 service points, with mobile banking users reaching 4.19 million, an increase of 763,400 from the previous year [9]. Group 2: Strategic Alignment - The "Six Strong Provinces" initiative includes goals for agriculture, manufacturing, science and education, digital intelligence, transportation, and cultural tourism, which align with Zhongyuan Bank's strategic focus on becoming a government bank, industry bank, citizen bank, and rural revitalization bank [4][12]. - The bank has signed strategic cooperation agreements with nine city governments and has successfully opened provincial social security fund accounts, enhancing its role in local governance and economic support [4]. Group 3: Financial Services and Innovations - Zhongyuan Bank has developed comprehensive financial services tailored to the seven major industrial clusters and 28 industrial chains in Henan, providing support to leading enterprises and their supply chains [5]. - The bank has launched products like "Industry Inclusive Loans" and "Henan Agricultural Loans," with cumulative disbursements of 4.858 billion yuan and 1.089 billion yuan respectively, serving over 90,000 farmers [8]. Group 4: Focus on Technology and Innovation - As of June 2025, Zhongyuan Bank's technology finance loan balance reached 67.58 billion yuan, with 45.30 billion yuan allocated to technology enterprises, reflecting a strong commitment to supporting innovation and technology-driven growth [11]. - The bank has also introduced specialized loans for "specialized, refined, and innovative" enterprises, with cumulative disbursements of 10.715 billion yuan, marking a 29.20% increase from the previous year [11].

Core Insights - Guangzhou is focusing on building a "12218" modern industrial system to cultivate new productive forces and address the financing challenges faced by technology-oriented small and micro enterprises [2][5] Group 1: Mechanism Innovation - Agricultural Bank of China Guangzhou Branch recognizes the need for a systematic overhaul of traditional financial marketing and service models to meet the precise demands of industrial upgrades and changing customer bases [3] - The bank has elevated inclusive finance to a strategic level, aiming to provide targeted financial services to key sectors such as strategic emerging industries, technology enterprises, green economy, and private enterprises [5] Group 2: Data-Driven Solutions - The bank is leveraging technology and data to create a smart marketing service platform that addresses traditional bottlenecks in industry research and customer targeting [8] - By integrating various data sources, the bank constructs precise customer profiles to identify high-quality technology-oriented small and micro enterprises [10] Group 3: Service Extension - The bank's inclusive finance innovation extends beyond individual credit support to create a multi-win financial service ecosystem, focusing on supply chain finance to support small and micro enterprises [13] - A unique evaluation model has been developed to assess technology enterprises based on their growth potential rather than traditional financial metrics, facilitating smoother access to financing [15] Group 4: Performance and Future Outlook - As of October 2025, the bank's loans in key sectors exceeded 150.8 billion, 52.6 billion, 250.2 billion, and 257.7 billion respectively, demonstrating its commitment to supporting the real economy [5] - The bank's inclusive loan balance surpassed 90 billion, with a significant increase in the number of clients served, indicating a successful implementation of its inclusive finance strategies [16][17]

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 ...

突破传统信贷逻辑 特色产品精准滴灌 面对科技型企业"轻资产、重智产"导致的银行传统信贷"识别难、评价难、操作难、管理难"等问题，宁波银行以实际行动探索出了一条"不看砖头看专 利、不看抵押看创新"的助企融资新路径。 科技创新是驱动发展的核心引擎，是塑造新质生产力的根本源泉。而从技术萌芽到产业开花，这一过程始终离不开金融"活水"的精准浇灌。 作为金融"五篇大文章"之首，发展科技金融不仅是金融机构需要履行的社会责任，更是顺应产业变革、拥抱创新浪潮的战略选择。宁波银行主动融入时代 大势，持续完善科技金融服务体系，依托组织架构升级与生态体系建设，为科技企业提供全生命周期的综合金融服务，助力培育新质生产力。 今年上半年，宁波银行正式设立一级部门科技金融部，联动投行、授信等多板块形成服务合力，并在重点区域设立科技金融专营团队，配套"商行+投 行""融资+经营""企业+人才"的全方位服务，赋能科技企业高质量发展。 近年来，宁波银行持续打造并完善科技金融特色产品矩阵，形成专利贷、科技贷等多项专属产品，打破以企业收入、利润等传统财务数据为授信门槛的传 统模式，转而将技术专利、研发能力、人才储备、市场潜力等企业"软实力"作为核心评 ...