战略赋能，勾勒"金融+"生态新图景。该项目的成功落地，是各方聚焦外籍游客核心需求、以数字人民 币支付为核心突破点的创新实践，充分彰显了金融服务与文旅发展的双向赋能。 记者注意到，这一创新并非孤立之举。近年来，在人民银行深圳市分行的指导下，农行深圳分行全力推 动数字人民币各项创新与试点工作。从在预付式经营领域推广数字人民币以解决"退款难、举证难、追 偿难"的民生痛点，到探索央行数字货币桥在跨境支付中的应用，与香港地区银行、供应链企业合作开 展货物贸易项下的数字人民币跨境交易，再到联合太平财产保险落地数字人民币车险实名支付业务，实 现了"保单录入-实名验证-数币支付"的全链条贯通……该行多措并举助推数字人民币试点工作向纵深发 展。AI城市旅行卡数字人民币硬钱包的发布，是农行深圳分行数字人民币创新之路上的又一里程碑， 标志着其应用场景从民生、跨境进一步拓展至智慧城市与国际文旅服务领域。 "科技+普惠"双翼齐飞 诠释金融服务实体经济本色 在中国人民银行深圳市分行和深圳市文化广电旅游体育局的统一指导下，金博会开幕当天，农行深圳分 行联合加推科技，发布了"深圳AI城市旅行卡数字人民币硬钱包"项目。这项集"AI+文旅+金融 ...

Group 1 - The article highlights the integration of technology and finance in agriculture through the "Flying Hand Loan" product, which has benefited over 13,000 farmers and provided loans exceeding 700 million yuan [1][2] - The "Flying Hand Loan" is a customized financial product designed to support the adoption of agricultural drones, showcasing a successful case of financial innovation in rural areas [1][2] - The development of Shenzhen as a technology and finance hub is emphasized, with a focus on deepening the integration of these sectors to foster economic growth [2] Group 2 - The article discusses the challenges faced by technology companies, particularly in the life sciences sector, regarding traditional financing methods that do not align with their asset-light and high-growth characteristics [5][6] - Innovative financial models, such as those developed by ICBC Shenzhen, are introduced to provide tailored financing solutions based on the unique attributes of tech companies, including patent data and R&D investments [6][7] - The establishment of a comprehensive financial service network for tech companies is highlighted, with a focus on collaborative efforts between banks and various stakeholders to enhance service efficiency [10][11] Group 3 - The "Qianfan Qihang" brand by Agricultural Bank of China Shenzhen is mentioned as a multi-layered financial service model aimed at supporting technology enterprises through collaborative efforts [10][12] - The article outlines the successful investment and support provided to various tech companies, including those in the semiconductor and renewable energy sectors, demonstrating the effectiveness of the "investment-loan linkage" model [12][14] - The importance of understanding industry dynamics and providing holistic support to tech companies throughout their lifecycle is emphasized, showcasing a shift from traditional financing to a more integrated approach [15][18] Group 4 - The article addresses the challenges of exit strategies for venture capital investments, highlighting the need for improved channels for investors to realize returns [21][22] - It discusses the difficulties financial institutions face in obtaining accurate data on companies, which hampers their ability to assess risks and make informed lending decisions [21][23] - The need for better evaluation models for intellectual property is identified as a critical issue, particularly in the context of asset liquidation during financial distress [22][23]

Group 1 - The core viewpoint of the article highlights the successful IPO of Yujian Technology on the Hong Kong Stock Exchange, marking it as the first stock of collaborative robots, with Agricultural Bank of China playing a crucial role throughout the process [1] - Agricultural Bank of China's Shenzhen branch has established itself as a key player in supporting innovative enterprises, having served over 10,000 tech companies with a loan scale exceeding 100 billion [1] - The bank's collaboration with key innovative enterprises in Shenzhen has reached an 80% coverage rate by mid-2025, demonstrating its commitment to supporting the local economy [1] Group 2 - The "Qianfan Qihang" service brand was launched by Agricultural Bank of China's Shenzhen branch to provide comprehensive financial services for tech enterprises throughout their lifecycle [4][5] - The bank has developed a differentiated service model that addresses the unique challenges faced by tech companies, such as lack of collateral in the startup phase and funding shortages during growth [4][5] - Innovative financial products like "Innovation Credit Loan" and "Industry Chain Loan" have been introduced to cater to the specific needs of tech enterprises, emphasizing credit-based and online services [5][12] Group 3 - Agricultural Bank of China's Shenzhen branch has successfully implemented several pioneering financial products, including the first knowledge property Asset-Backed Note (ABN) and a customized personal loan product for drone tech companies [5] - The establishment of a dedicated equity investment team aims to enhance the bank's capabilities in equity financing, collaborating with over 80 market-oriented venture capital institutions [9] - The bank's "Qianfan Qihang" fund has completed 11 investments, covering six specialized "little giant" enterprises, with one successfully listed and two others applying for IPOs [9] Group 4 - The bank has developed a "balance mechanism" to manage risks and returns in its tech finance operations, focusing on industry research and collaboration with guarantee and insurance institutions to mitigate risks [12] - Future plans include enhancing the product system for tech enterprises, building a matrix of funds to support early-stage investments, and strengthening resource allocation and talent development in the tech finance sector [12][13] - The bank's commitment to innovation in tech finance is seen as a significant growth area for the economy, despite facing various challenges [13]

Core Viewpoint - The establishment of the Shenzhen Shentou Control Qianfan Qihang AIC Fund, with a scale of 2 billion yuan, marks a significant step in supporting technological innovation and industrial integration in Shenzhen, aligning with the city's "20+8" strategic emerging industries [3][4][6]. Group 1: Fund Establishment and Purpose - The Shenzhen Shentou Control Qianfan Qihang AIC Fund is the first AIC pilot fund in Shenzhen after the expansion of the AIC equity investment pilot business, and it is one of the largest AIC pilot funds within the Agricultural Bank system [3]. - The fund aims to provide long-term and patient capital for technological innovation, focusing on supporting Shenzhen's integration of technology and finance [3][4]. Group 2: Agricultural Bank's Role and Achievements - Agricultural Bank's Shenzhen branch has served 12,000 technology innovation enterprises, with a loan scale exceeding 110 billion yuan, and an increase of over 30 billion yuan in the first half of the year [3][4]. - The bank is committed to enhancing its technology financial services and has established a comprehensive product system to meet the diverse financing needs of technology enterprises [7][9]. Group 3: Industry Support and Future Plans - The fund will focus on key industries such as semiconductors, artificial intelligence, and new energy, with over 30 reserve projects identified [4]. - In 2024, the bank plans to leverage the updated "20+8" industry cluster strategy to enhance its support for industrial upgrades and the establishment of the fund [4]. Group 4: Collaborative Ecosystem - The Agricultural Bank's Shenzhen branch has formed a "融智联盟" (Rongzhi Alliance) with over 80 institutions to promote the integration of innovation, industry, finance, and talent [8]. - This alliance aims to provide comprehensive services from equity financing to IPOs, enhancing the overall ecosystem for technology enterprises [8]. Group 5: Service Quality Enhancement - The bank has implemented a "six-special" mechanism to improve the quality of financial services for technology innovation, with a coverage rate of 80% among key technology enterprises in Shenzhen [9]. - The establishment of specialized technology financial departments in key branches aims to deepen the bank's engagement with technology enterprises and enhance service efficiency [9].