"天马行空"的创意要落地生根，离不开金融"活水"的持续浇灌。在文化强国战略深入推进的新阶段，文 化产业转型升级步伐加快，两大趋势日益凸显。 一方面，"文化+科技"加速融合，成为新质生产力的重要赛道。深度融合人工智能、AIGC、虚拟制片等 前沿技术的科技型文化企业，往往研发投入大、变现周期长且具有轻资产特点，对金融支持的精准性与 适配性提出更高要求。 另一方面，以网络文学、网络游戏、网络影视剧为代表的文化"新三样"出海提速，文化企业对跨境结 算、资本运作及全球合规等综合金融服务的需求日益迫切。 不同于提供传统的信贷支持，中国银行广东省分行（下称"广东中行"）更注重以"商行+投行"思维介入 文化企业全生命周期，通过"科技通宝""创新积分贷"等工具赋能科技型文化企业突破研发瓶颈；也依托 全球化网络与综合化服务优势，助力文化企业高效拓展海外市场。 11月26日，2025粤港澳大湾区文化产业投资大会在广州开幕，广东中行作为大会协办单位参会，为文化 企业带来集"投、贷、服"为一体的全方位综合服务方案。 这种"既懂科技、又通国际"的服务能力，正在为广东打造粤港澳世界级数字文化中心提供强有力的金融 支撑，助力文化企业既"飞得 ...

Core Viewpoint - The article highlights the efforts of the Bank of China Foshan Branch in promoting inclusive finance to support local economic development, particularly in the manufacturing and agricultural sectors, while addressing the financing challenges faced by small and medium-sized enterprises (SMEs) and innovative companies [4][5][10]. Group 1: Financial Support and Services - As of August 2025, the loan balance in key areas of inclusive finance reached over 36.5 billion yuan, with an increase of nearly 3.4 billion yuan since the beginning of the year [5][6]. - The coverage rate for credit to specialized and innovative enterprises exceeds 30%, while the coverage for high-tech enterprises is over 20%, indicating that one in three specialized enterprises has received credit support from the bank [5][6]. - The bank has implemented a digital risk control model to convert intangible assets like technology patents into credit assets, thereby reshaping the financing logic for light-asset technology companies [6][7]. Group 2: Collaboration and Ecosystem Development - The bank has engaged in over 10 enterprise financing coordination meetings this year, covering more than 3,000 enterprises, to build a new ecosystem of inclusive finance through information sharing and resource integration [8]. - A "one-on-one" financing solution has been provided to small and micro enterprises through a joint visit team formed with local government, enhancing financing efficiency and helping enterprises better understand and utilize policies [8][9]. - The bank has successfully transferred over 4.7 billion yuan to more than 1,140 small and micro enterprises through government transfer loan funds since 2025, effectively reducing financing costs [8][10]. Group 3: Sector-Specific Initiatives - The bank has provided 10 million yuan in medium-term working capital loans to support the "Hezhou Black Goose" project, addressing the seasonal funding needs of agricultural enterprises [10]. - The "Yuecai Master Loan" product was introduced to support local culinary talents and small restaurants, offering up to 3.5 million yuan in loans without collateral, which helped a local restaurant complete its renovation [9][10]. - The bank has issued over 9 billion yuan in credit to more than 1,300 enterprises in the "Ring Liangjiang" area, supporting tourism and cultural projects [11]. Group 4: Future Outlook - The bank aims to continue leveraging its global resources to deepen financial supply-side innovation and provide diversified financial services to regional enterprises and projects, contributing to the high-quality economic development of Foshan [11].

Core Viewpoint - The article emphasizes the critical role of technology finance in supporting the growth of technology-driven enterprises, highlighting the collaboration between financial institutions and government policies to enhance financial services for these companies [2][8]. Group 1: Financial Support for Technology Enterprises - The National Financial Regulatory Administration has issued guidelines to enhance financial services for technology enterprises throughout their lifecycle, aiming to create a virtuous cycle of "technology-industry-finance" [2]. - China Bank has introduced the "Zhongyin Sci-Tech Computing Loan," which integrates government support and bank loans to facilitate financing for AI-related businesses [4]. - As of July 2025, China Bank's technology loan balance is projected to reach approximately 4.6 trillion yuan, with nearly 160,000 credit accounts established to support technology enterprises [4]. Group 2: Tailored Financial Services - China Bank provides a full lifecycle of financial services to technology companies, adapting to their different growth stages, from seed funding to public offerings and mergers [5]. - For early-stage companies, China Bank collaborates with government funds and venture capital to offer equity financing services, helping startups secure necessary capital [5]. - In the growth and expansion phases, China Bank offers comprehensive credit services based on the company's operational status and market prospects, including various loan products and cross-border financial services [6]. Group 3: Systematic Financial Solutions - The article discusses the importance of systematic financial solutions to meet the innovative needs of technology enterprises, moving beyond fragmented services [7]. - China Bank, in partnership with China Life Insurance, has launched the "Trial Financing and Insurance Integration" service, aiming to provide 200 billion yuan in support over three years to mitigate risks associated with technology trials [7]. - The "Zhongyin Sci-Tech Ecological Partner Program" initiated by China Bank seeks to build an open and collaborative financial ecosystem by engaging with government, investment institutions, and research organizations [7][8].