作者 | 布语 我们正在经历一场深刻的经济动能转型。 钱的流向，正在改变。近期央行报告显示，我国新增贷款结构已由2016年的房地产、基建贷款占比超过 60%，转变为目前的科技、绿色、普惠、养老、数字金融"五篇大文章"领域贷款占比约 70%。 国家正全力推动金融资源流向实体经济的关键领域。今年8月央行等七部门联合印发的《关于金融支持 新型工业化的指导意见》，更是为金融支持制造业高端化、智能化、绿色化发展绘制了一张清晰的路线 图。 在这一背景下，由深圳市委金融办与宝安区人民政府联合主办的深圳市宝安区"宝企金服"投融资大会在 9月9日举行。会上,共有9家银行、5家PE/VC与十余家企业签约，涵盖人工智能、集成电路与半导体、 生物医药、新能源与智能网联汽车等多个领域。此外，还有四支基金正式签约落地宝安区。 一场投融资会，金融机构总计掏出500亿元加码深圳宝安，信号强烈。众多迹象表明，宝安正成为全球 投资的热门之地： 3月公布的"投中2024年度中国最具创投价值城区榜单"中，宝安区综合排名位列全国第四； 数量庞大、种类繁多的商事主体，让宝安区时刻保持着旺盛的融资需求。但长期以来，产业与金融之间 天然的信息壁垒，成为许多 ...

Core Insights - The Shenzhen banking and insurance sectors have made significant achievements in supporting the real economy, promoting technological innovation, and deepening reform and opening up during the first half of 2025 [11][12] Banking Sector Performance - As of the end of June, the total loan balance in Shenzhen's banking sector reached 9.83 trillion yuan, a year-on-year increase of 3.46% [2] - The total assets of the banking sector amounted to 13.98 trillion yuan, growing by 3.64% year-on-year, while total liabilities reached 13.61 trillion yuan, up 3.70% [2] - The balance of various deposits was 10.22 trillion yuan, reflecting a year-on-year growth of 6.70% [2] Insurance Sector Performance - Shenzhen's insurance sector achieved original premium income of 121.31 billion yuan in the first half of the year, marking a year-on-year increase of 7.96%, the highest growth rate among first-tier cities [2] - Claims paid out amounted to 38.74 billion yuan, which is an increase of 8.84% year-on-year [2] Consumer Loans - The balance of personal consumption loans in Shenzhen reached 817.70 billion yuan, with a year-on-year growth of 7.63% [3] - The financial regulatory authority has implemented measures to enhance consumer finance services and support foreign trade development [3] Manufacturing Sector Support - The balance of loans to the manufacturing sector was 1.61 trillion yuan, reflecting a year-on-year increase of 6.47% [4] - High-tech manufacturing loans reached 1.03 trillion yuan, growing by 6.73% year-on-year [4] Support for Small and Micro Enterprises - The balance of inclusive loans for small and micro enterprises was 1.96 trillion yuan, with a year-on-year increase of 6.59%, significantly higher than the average growth rate of all loans [5] - The financial authority has launched initiatives to improve financing conditions for small and micro enterprises [5] Technological Innovation Financing - The total amount of technology loans from banking institutions exceeded 2 trillion yuan [6][7] - Technology insurance generated premium income of 1.88 billion yuan, providing risk coverage of nearly 3.12 trillion yuan [7] Cross-Border Financial Cooperation - Loans to enterprises in Qianhai increased by 12.16% compared to the beginning of the year, reaching 503.84 billion yuan [8] - The financial authority has introduced a development action plan to enhance financial cooperation and support for Qianhai [8] Pension and Social Insurance Initiatives - A total of 5.57 million personal pension accounts have been opened, with cumulative deposits of 7.11 billion yuan [10] - The "Shenzhen Huijia Bao" insurance product has been launched to improve disaster resistance for citizens [10]

Core Insights - The article emphasizes the critical role of small and medium-sized enterprises (SMEs) in China's economy, contributing over 60% of GDP, 70% of technological innovation, and 80% of urban employment [2] - It highlights the challenges faced by SMEs, particularly in accessing financing due to their asset-light nature and lack of collateral [3][5] - The article discusses innovative financial solutions, such as patent-based loans, that address the unique needs of technology-driven SMEs [6][10] Group 1: Economic Contribution of SMEs - SMEs in China exceed 60 million, with projected revenues for large-scale industrial SMEs reaching 81 trillion yuan by the end of 2024 [3] - The number of technology and innovation-driven SMEs has surpassed 600,000, with over 14,000 specialized and innovative "little giant" enterprises [3] Group 2: Financing Challenges - Technology-driven SMEs often face financing difficulties due to their asset-light structure, where fixed assets account for less than 30% of their total assets [3][5] - Traditional banking practices heavily rely on collateral, making it challenging for these SMEs to secure loans [5] Group 3: Innovative Financial Solutions - 华夏银行 (Huaxia Bank) has introduced "科知贷" (Knowledge Loan), allowing SMEs to use patents as collateral for loans, thus transforming intellectual property into financing credit [6][10] - The bank's approach includes customized financial solutions based on the specific needs of different sectors, such as agriculture and technology [10][11] Group 4: Policy Support and Future Directions - The National Financial Supervision Administration has proposed measures to improve the evaluation and transaction mechanisms for intellectual property financing [7][8] - There is a call for establishing a unified national intellectual property trading database to enhance the market for knowledge products [8]

Core Viewpoint - Shenzhen is accelerating the construction of a globally influential industrial technology innovation center, driven by significant R&D investments and a strategic focus on high-quality development [2][3]. Group 1: R&D Investment and Innovation - Shenzhen's R&D investment reached 223.66 billion yuan in 2024, with a growth rate of 18.9%, marking nine consecutive years of double-digit growth [2]. - The city's strategic emerging industries accounted for over 42.3% of the regional GDP in 2024, with advanced manufacturing as a core driver of high-quality development [3]. Group 2: Financial Support for Technology Enterprises - The Industrial and Commercial Bank of China (ICBC) Shenzhen Branch has restructured its technology financial services to support the growth of "hard technology" enterprises, focusing on long-term capital injection [3][4]. - By May 2025, the financing balance for technology enterprises at ICBC Shenzhen exceeded 160 billion yuan, with over 5,000 credit clients, reflecting a robust growth in its professional service system [4]. Group 3: Innovative Financing Mechanisms - ICBC Shenzhen has shifted its credit evaluation from traditional asset-based assessments to a focus on future value indicators, such as talent structure and R&D capabilities [6]. - The bank has developed a unique "three-in-one" evaluation mechanism that emphasizes the potential of technology enterprises rather than current financial metrics [6]. Group 4: Comprehensive Product Offerings - ICBC Shenzhen has created a diverse product matrix that supports technology enterprises throughout their lifecycle, including products for R&D investment and mergers and acquisitions [8]. - The bank has successfully implemented cross-border intellectual property pledge financing, facilitating the flow of technology resources between Hong Kong and mainland China [8]. Group 5: Ecosystem Development - ICBC Shenzhen is actively building a "technology innovation ecosystem" that connects government, capital markets, and industry resources, enhancing the integration of innovation, industry, and finance [9]. - The bank has organized over 20 investment roadshows, helping more than 120 small and medium-sized technology enterprises connect with national investment institutions [9]. Group 6: Digital Transformation - ICBC Shenzhen has developed a digital platform that enhances operational efficiency and supports technology enterprises in obtaining financing and tailored financial solutions [10]. - Since its launch, the digital platform has efficiently approved over 130 cutting-edge technology enterprises, showcasing the bank's commitment to leveraging technology in financial services [10].

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Shenzhen Branch has launched the "Twelve Measures for Financial Support of Foreign Trade" to enhance support for foreign trade enterprises, aligning with national policies to stabilize foreign trade and promote high-quality development in Shenzhen [1][8]. Group 1: Credit Support - ICBC Shenzhen Branch emphasizes the importance of credit support for foreign trade enterprises, ensuring continuous financing and maintaining a stable credit policy to safeguard the funding chain [2][10]. - The bank plans to provide no less than 15 billion yuan in financing support for "going global" enterprises by 2025, addressing diverse needs such as daily operations and project construction [2][11]. - A comprehensive financing product system has been developed, including specialized loans for small and micro enterprises, and innovative products tailored for various sectors [2][12][15]. Group 2: Cross-Border Settlement Services - The integration of financial technology with settlement services is highlighted, aiming to create an efficient cross-border fund clearing system for foreign trade enterprises [3][16]. - The bank has enhanced its online products and services to facilitate high-level convenience in cross-border settlements, ensuring efficient fund operations for foreign trade enterprises [3][18]. - Full-process settlement solutions are provided for new business models, including cross-border e-commerce, optimizing processes and reducing costs [3][19]. Group 3: Risk Management - ICBC Shenzhen Branch promotes a "neutral exchange rate" approach, offering customized hedging solutions to mitigate exchange rate risks for enterprises [4][20]. - The bank provides foreign exchange services for nearly 40 currencies and offers preferential rates to reduce exchange costs for foreign trade enterprises [4][21][22]. - A comprehensive service network across 69 countries and regions supports enterprises in understanding foreign regulations and managing risks effectively [4][23]. Group 4: Integrated Development Support - The bank aims to bridge domestic and international trade by leveraging national exhibition platforms to connect foreign trade enterprises with market opportunities [5][24]. - Collaboration with government agencies ensures timely dissemination of foreign trade support policies, enhancing enterprises' confidence and capabilities in market expansion [5][24]. - ICBC Shenzhen Branch is committed to refining its support measures for foreign trade development, ensuring effective implementation of policies to contribute to stable growth [5][26].