发展态势向好。 金融业增加值、本外币存款余额、本外币贷款余额、保费收入、新增直接融资额等核心发展指标稳居山 东首位，不良贷款率等风险指标保持全省最优水平。一首一优的鲜明对比，勾勒出济南金融业高质量发 展的图景。 近日，证券时报"从资本市场看地方高质量发展"调研组在山东调研期间，济南市委金融工委专职副书记 贾洪斐接受证券时报记者采访时表示，依托全国首个科创金融改革试验区的招牌，济南积极争取并落地 多项国家试点，包括数字人民币试点、资本市场金融科技创新试点、AIC股权投资试点等，以金融创新 之力激活区域经济发展新动能。 济南金融业总体发展态势向好 近年来，济南金融业总体发展形势向好，金融服务实体经济质效不断提升。 数据显示，2024年，济南市实现金融业增加值为1097.5亿元，同比增长9.2%，高于全国3.6个百分点。 截至今年9月末，济南金融机构本外币贷款余额3.45万亿元，同比增长10.3%，比年初增加2870.6亿元， 银行不良贷款率保持全省最优。 得益于数字人民币试点和资本市场金融科技创新试点的协同推进，今年9月，中泰证券（600918）上 线"数字人民币签约转账服务"，将国家法定数字货币引入其财富管理体 ...

发展态势向好。 金融业增加值、本外币存款余额、本外币贷款余额、保费收入、新增直接融资额等核心发展指标稳居山东首位，不良贷款率等风险指标保持 全省最优水平。一首一优的鲜明对比，勾勒出济南金融业高质量发展的图景。 近日，证券时报"从资本市场看地方高质量发展"调研组在山东调研期间，济南市委金融工委专职副书记贾洪斐接受证券时报记者采访时表 示，依托全国首个科创金融改革试验区的招牌，济南积极争取并落地多项国家试点，包括数字人民币试点、资本市场金融科技创新试点、 AIC股权投资试点等，以金融创新之力激活区域经济发展新动能。 济南金融业总体发展态势向好 近年来，济南金融业总体发展形势向好，金融服务实体经济质效不断提升。 数据显示，2024年，济南市实现金融业增加值为1097.5亿元，同比增长9.2%，高于全国3.6个百分点。截至今年9月末，济南金融机构本外 币贷款余额3.45万亿元，同比增长10.3%，比年初增加2870.6亿元，银行不良贷款率保持全省最优。 "济南金融业之所以核心发展指标稳居山东首位，风险指标保持全省最优水平，源于济南经济形势总体向好。"贾洪斐举例称，济南空天信 息、人工智能、机器人和新能源装备等四个新兴 ...

12月24日，济南市政府召开新闻发布会，系统总结了"十四五"期间该市金融业发展成就。济南市委金融 办发布数据显示，五年来济南金融业综合实力显著增强，多项指标稳居全省首位，其中以全国首个科创 金融改革试验区建设为牵引的"五篇大文章"成效突出，为强省会建设注入强劲金融动能。 综合实力显著提升 金融支柱地位凸显 "十四五"时期，济南金融业主要指标实现量质齐升。金融业增加值保持稳健增长，2024年总量达1097.5 亿元，成为拉动经济增长的重要引擎。截至2024年末，本外币存、贷款余额双双突破3万亿元，分别较 2020年末增长42.2%和52.7%。2024年新增直接融资额3761.33亿元，较2020年增长65.7%。信贷资产质量 持续优化，2024年末不良贷款率降至0.61%，居全省首位。 2025年以来，金融业发展势头不减。前三季度金融业增加值完成1030.3亿元，同比增长5.8%；截至11月 末，全济南市本外币存、贷款余额分别达到3.15万亿元和3.46万亿元；前11个月保费收入842.3亿元，同 比增长10.1%；新增直接融资3573.7亿元。主要金融指标继续领跑全省。 强有力的货币政策为济南发展营造了良好 ...

值得一提的是，"科研贷"产品因其创新性与实效性，入选中国人民银行总行"科创金融改革优秀实践案 例""科技金融产品服务模式创新典型案例"及两项省级荣誉，并以第一名的成绩荣获济南市金融创新项 目一等奖。 筑牢体系根基：构建专业服务新范式 产品创新的背后，是深厚的体系支撑。齐鲁银行将科技金融与绿色金融定位为公司业务转型的两大核心 赛道，进行了深刻的组织变革与体系重塑。 该行搭建起自上而下的科技金融条线型垂直管理体系。总行层面设立科技金融管理岗和审批岗，实现业 务的专业化推动和审批。同时，在济南设立两家科技支行、三家科技金融特色支行和两家科技金融中 心，形成覆盖全市的服务网络。在2024年济南市科技金融机构擂台赛上，齐鲁银行科创金融中心支行以 总分第一的成绩荣获优秀奖。 专营机构确立了"专营、专注、专业"的"三专"发展策略。"专营"体现为业务专营和独立考核体系，科技 金融考核指标占比100%；"专注"在于行业深耕，通过"科技金融行业树"对客户准入进行精准把控；"专 业"则重在队伍建设，避免思维固化，并以"思享会"平台提升团队产业研究能力。 2025年11月，济南市获批建设国家级科创金融改革试验区已满四周年。作为扎根济 ...

Core Insights - China's financial system is transitioning from scale expansion to quality improvement, with a strategic goal of building a strong financial nation and a focus on developing technology finance as a priority [1][8] Group 1: Technology Finance Development - The 20th Central Committee of the Communist Party of China emphasizes the importance of technology finance in supporting major national technological tasks and small and medium-sized technology enterprises [1] - Jinan has been recognized as the first national pilot zone for technology finance reform, showcasing significant achievements in enhancing the quality and efficiency of technology financial services [4][5] - The number of technology enterprises in Jinan has surpassed 11,000, with high-tech industries accounting for 68.7% of the total industrial output value, an increase of 14 percentage points since the pilot approval [5] Group 2: Financial Innovation and Support - Jinan has developed a unique "six specialties and four pricing" system to enhance the integration of technology finance with institutional innovation and resource allocation [6] - The city has introduced various financial products tailored for technology innovation, such as "Research Loans" and "Qingxin Loans," resulting in a significant increase in the loan balance for technology enterprises to 302.9 billion yuan, a growth of 175.76% since the pilot zone was established [9] Group 3: Knowledge Property and Innovation - Jinan is actively building a knowledge property operation system to transform intellectual property into assets, facilitating the financing of innovations [10] - The city has established an online trading system for high-value patents, which has gathered 148,000 entries, enhancing the market recognition of knowledge value [10] Group 4: Regional Collaboration and Future Vision - The ongoing technology finance forums in Jinan aim to expand regional collaboration, moving from a solo performance to a collective effort in technology finance reform [12] - Jinan is striving to become a technology finance hub in Northern China, providing replicable experiences for national financial support of technological innovation [13][14]

Core Insights - Shandong's financial system has effectively utilized financial tools to drive growth in key sectors, achieving a loan balance of 6.7 trillion yuan in technology, green, and inclusive finance, with a year-on-year growth of 16.3%, surpassing the average loan growth rate by 7.8 percentage points [1][3] Financial Policy and Tools - The People's Bank of China has implemented structural monetary policy tools, including nine reductions in the statutory reserve requirement ratio, releasing approximately 460 billion yuan in long-term funds, enhancing credit capacity for financial institutions [3] - The "central bank funds + financial institution matching" leverage model has led to an increase of 12.11 trillion yuan in agricultural loans and 23.165 trillion yuan in small micro-loans since the start of the 14th Five-Year Plan [3] Sector-Specific Financial Support - In the technology innovation sector, the Jinan Innovation Financial Reform Pilot Zone has seen a loan balance of 303.978 billion yuan, a 176.7% increase since its approval, with high-tech industries accounting for 68.68% of industrial output [4] - The green finance system has supported 170.167 billion yuan in financing through green bonds and other innovative products during the 14th Five-Year Plan [4] Rural and Inclusive Finance - Inclusive agricultural loans reached 962.093 billion yuan, doubling since the end of 2020, with a 7.96% increase in loans to major grain-producing counties [5] - The financial sector has introduced products like "Virtue Points Loan" to support specific agricultural products, and small loans have benefited 59,600 impoverished households, amounting to 2.625 billion yuan [5] Overall Financial Growth - As of September 2025, Shandong's total social financing reached 25.6 trillion yuan, and the balance of domestic and foreign currency loans was 16.2 trillion yuan, marking growth of 67.8% and 65.4% respectively since the end of 2020 [5] - The average interest rate for newly issued corporate loans was 3.61%, down 1.06 percentage points from the end of 2020, benefiting small and micro enterprises significantly [5]

Core Insights - Shandong's financial system aims to lead and support key sectors through targeted financial tools, achieving a loan balance of 6.7 trillion yuan in technology, green, and inclusive finance by September 2025, reflecting a 16.3% year-on-year growth, surpassing the average loan growth rate by 7.8 percentage points [1] Group 1: Financial Policies and Tools - The People's Bank of China has implemented structural monetary policy tools, including nine reductions in the statutory deposit reserve ratio, releasing approximately 460 billion yuan in long-term funds to enhance credit capacity [1] - The "central bank funds + financial institution matching" leverage model has led to an increase of 12.11 trillion yuan in agricultural loans and 23.165 trillion yuan in small micro-loans since the start of the 14th Five-Year Plan [1] Group 2: Insurance and Long-term Funding - The "Insurance Capital into Shandong" initiative has attracted over 580 billion yuan in long-term funds, focusing on major strategic areas and weak links in the economy [2] - The Jinan Science and Technology Innovation Financial Reform Pilot Zone has seen a 176.7% increase in loans to tech enterprises, reaching 303.978 billion yuan [2] Group 3: Green and Inclusive Finance - A "green credit + green bond" system has been established, with 170.167 billion yuan raised through innovative financial products during the 14th Five-Year Plan [3] - Inclusive finance initiatives have provided over 1.95 trillion yuan in support to foreign trade enterprises, benefiting 15,100 individual businesses through various loan programs [3] Group 4: Financial Growth Metrics - By September 2025, Shandong's total social financing reached 25.6 trillion yuan, and the loan balance was 16.2 trillion yuan, marking a growth of 67.8% and 65.4% respectively since the end of 2020 [4] - The average interest rate for newly issued corporate loans was 3.61% in September 2025, down 1.06 percentage points from the end of 2020, resulting in significant savings for borrowers [4]

Core Insights - The People's Bank of China Shandong Branch is focusing on the financing needs of technology enterprises by innovating policies, building platforms, conducting regional experiments, and optimizing ecosystems to create a comprehensive financial service system for the entire lifecycle of technology enterprises [1][2] Group 1: Policy Framework - A strategic cooperation agreement has been signed with the provincial science and technology department to establish a regular communication mechanism, focusing on six key areas: credit enhancement, investment, loans, insurance, guarantees, and cultivation [2] - The integration of financial policies with fiscal and technological policies is being promoted to form a comprehensive service system covering the entire lifecycle of technology enterprises, guiding financial resources towards the innovation sector [2] Group 2: Information Platform Development - The Shandong Province Science and Technology Financing Comprehensive Service Platform has been established to address the challenges of "light assets and difficult valuation" faced by technology enterprises, integrating multi-dimensional data to create a credit evaluation model for these enterprises [3] - As of the end of Q3 2025, the platform has onboarded 26,000 enterprises and 168 financial institutions, facilitating 2,141 enterprises to obtain credit loans totaling 11 billion yuan, effectively alleviating the information asymmetry between banks and enterprises [3] Group 3: Regional Innovation and Collaboration - The establishment of the Jinan Science and Technology Financial Reform Pilot Zone focuses on institutional innovation, enhancing supply capabilities, and expanding collateral options, creating a working system centered on specialized institutions and products [4] - The pilot zone has introduced a risk fund compensation pool and an innovative "Research Loan" product to provide long-term funding support for R&D projects, recognized as an excellent practice case for national promotion [4]

Core Insights - Shandong's financial system aims to lead and support key sectors, with a focus on technology, green finance, and inclusive finance, achieving a loan balance of 6.7 trillion yuan by September 2025, a year-on-year increase of 16.3% [1] - The People's Bank of China has implemented structural monetary policy tools, releasing approximately 460 billion yuan in long-term funds, enhancing credit capacity for financial institutions [1] - Insurance funds have significantly contributed to Shandong's development, attracting over 580 billion yuan in long-term investments into strategic sectors [2] Financial Performance - By September 2025, Shandong's total social financing reached 25.6 trillion yuan, and the balance of domestic and foreign currency loans was 16.2 trillion yuan, marking increases of 67.8% and 65.4% respectively since the end of 2020 [4] - The average interest rate for newly issued corporate loans was 3.61% in September 2025, down 1.06 percentage points from the end of 2020, benefiting small and micro enterprises [4] Sectoral Support - The province has established a "green credit + green bond" system to facilitate industrial transformation, with 170.17 billion yuan raised through innovative financing products during the "14th Five-Year Plan" period [3] - Inclusive finance initiatives have provided over 1.95 trillion yuan in support to foreign trade enterprises, with specific programs benefiting individual businesses and rural revitalization efforts [3] Innovation and Technology - The Jinan Innovation Financial Reform Pilot Zone has seen a 176.7% increase in loans to technology enterprises, with a total loan balance of 303.98 billion yuan [2] - Financial institutions have developed innovative products like "research loans" and "talent loans" to address financing challenges for technology companies [2]

Core Insights - The Shandong financial system has effectively utilized financial tools to channel resources into key areas, achieving a loan balance of 6.7 trillion yuan in technology, green, and inclusive finance sectors by September 2025, marking a year-on-year growth of 16.3% [1] - The People's Bank of China has implemented structural monetary policy tools, releasing approximately 460 billion yuan in long-term funds through nine reductions in the reserve requirement ratio, significantly enhancing credit capacity [1] - Insurance funds have attracted over 580 billion yuan in long-term investments into Shandong, focusing on major strategic areas and weak links [2] Financial Sector Developments - The Jinan Innovation Financial Reform Pilot Zone has seen a 176.7% increase in loans to tech enterprises, reaching 303.98 billion yuan, with high-tech industries accounting for 68.68% of industrial output [2] - A "green credit + green bond" system has been established to support industrial green transformation, with 170.17 billion yuan raised through innovative financial products during the 14th Five-Year Plan period [3] - Inclusive finance initiatives have provided over 1.95 trillion yuan in support to foreign trade enterprises, with specific programs benefiting individual businesses and rural revitalization efforts [3] Overall Financial Growth - By September 2025, Shandong's total social financing reached 25.6 trillion yuan, and the loan balance was 16.2 trillion yuan, reflecting growth rates of 67.8% and 65.4% respectively since the end of 2020 [4] - The average interest rate for newly issued corporate loans was 3.61% as of September 2025, down 1.06 percentage points from the end of 2020, benefiting small and micro enterprises significantly [4]