"中小企业能办大事"，放眼我国经济版图，超6000万户中小企业遍布千行百业，贡献了我国60%以上的 GDP、70%以上的技术创新、80%以上的城镇劳动就业，小微企业更是不计其数。然而，滋养这片"毛 细血管网络"并非易事，五花八门的痛点、千差万别的行业，让普惠金融服务常常陷入"想帮却难帮到点 上"的困境。 日前，南方都市报社、湾财社携手中国人民大学中国普惠金融研究院，共同启动"中国普惠金融行"专题 系列报道，呈现鲜活生动的普惠金融服务案例、模式，探索数字时代普惠金融创新路径，栏目本期采访 华夏银行。 作为总部位于北京、辐射全国的股份制银行，华夏银行的做法"接地气"。既带着团队扎进市场一线，把 科技企业的专利价值、农户的种植周期、商户的交易流水摸得门儿清，又针对不同群体的痛点"量身定 制"方案。这种"笨功夫"和"实在心"将金融活水化成涓涓细流，让金融服务真正贴着产业走、跟着需求 变。 截至目前，中国累计培育科技和创新型中小企业超60万家，专精特新中小企业超14万家，专精特新"小 巨人"企业1.46万家。"小巨人"企业平均研发投入强度达7%，平均授权发明专利22项，高于同规模企 业。 然而，在这片生机勃勃的"创新沃 ...

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].