当前全球新一轮科技革命与产业变革加速演进，正深刻重塑全球经济结构与竞争格局。党的二十届四中 全会审议通过的"十五五"规划建议首次将"金融强国"写入五年规划建议，并明确指出"大力发展科技金 融"。 这意味着，打通科技与金融的良性循环关乎未来国家竞争新优势，其重要性不言而喻。然而，理论上的 共识如何转化为实践中的有效路径？科创企业高风险、长周期、轻资产的特性，与传统金融风控逻辑之 间存在着深刻鸿沟。破局的关键，在于构建一套适配于科创规律的金融生态。 正是在这样的背景下，肩负着探索破局路径的济南科创金融改革试验区走过了初创探路且发展提速的四 年时间。通过协同推进数据信用化、资本接力与系统治理三大体系，其探索初步走出一条特色路径，为 构建有机运转的科技金融生态提供了重要支撑。 在智慧中枢层面，覆盖省级"科融信"、市级"泉融通"与区级"园区通"的多层次数据信用化平台，将科创 企业"看不懂"的创新潜力，系统转化为可识别、可定价的信用资产，旨在形成覆盖企业全周期的信用发 现机制。在资本供给层面，通过风险共担机制与全周期资本支持的有机结合，优化传统科技金融的风险 收益结构。从政策性担保、政府引导基金改革，到"尽职免责"的制度 ...

科创企业贷款余额较获批前增长176.7%——获批全国首个科创金融改革试验区4年,济南交出亮眼成绩 单。这一数据背后,离不开泉城金融机构的努力。工商银行济南分行(以下简称"济南工行")创新科创金融 体制机制,在同业中率先成立科技金融中心,推动科技金融与投资银行业务深度融合,不断加大金融创新及 信贷支持,推出一个个系统内全省乃至全国首单,精准"浇灌"科创沃土,赋能科创企业发展跑出加速度。 创新融资模式先行先试 为科技企业高质量发展"加油" 科技型企业是推动创新创造的生力军,大多具有资产轻、技术新、研发周期长等特点。然而,传统信贷模 式依赖抵押物和现金流,难以匹配科技型企业融资需求。面对这一痛点,"人才团队可作价、信用数据可定 价、知识产权可估价、科创企业可评价",成为济南科创金融改革试验区重构金融底层逻辑的创新举措。 在这种理念引领下,济南工行打破传统融资模式,大胆创新,"一企一策"精准定制方案,不断实现"首单"突 破。 济南某专精特新企业急需发展资金,2023年2月,该企业子公司获得首轮2000万元股权投资。经过研判,济 南工行迅速组建跨部门服务团队,量身定制"科股贷"服务方案,仅用3个工作日便为该企业发放非上 ...

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Inner Mongolia Branch is committed to supporting technological innovation as a key driver for high-quality economic development in the Inner Mongolia Autonomous Region [1][5]. Group 1: Financial Support for Technology Enterprises - The ICBC Inner Mongolia Branch has significantly increased its financial support for technology enterprises, with the total loan balance for technology enterprises exceeding 57 billion yuan by the end of September 2025, doubling compared to the beginning of the 14th Five-Year Plan [2]. - In the first three quarters of this year, the branch has disbursed a total of 50 billion yuan in loans to various types of technology enterprises, with a financing coverage rate of 67% for national-level specialized and innovative "little giant" enterprises [2]. Group 2: Innovative Service System - The branch has established a "Five Special" characteristic technology financial service system to meet the diverse financing needs of technology enterprises throughout their lifecycle [3]. - Specialized institutions have been set up, including the establishment of a technology branch in Hohhot, and a professional team has been formed to ensure precise and efficient service [3]. - Exclusive products have been launched to cater to the needs of technology enterprises at different growth stages, such as "High-tech Zone Points Loan" and "Specialized and Innovative Loan" for startups and "Science and Technology Stock Loan" for mature "little giant" enterprises [3]. Group 3: Policy Support and Environmental Optimization - The branch provides policy support to technology enterprises through scale guarantees, cost discounts, and pricing authorization, creating a favorable environment for precise and efficient service [4]. Group 4: Alignment with Regional Strategy - The branch focuses on key industries such as rare earth new materials and new energy equipment manufacturing, conducting in-depth industry research to ensure financial resources are directed towards critical areas of technological innovation [5]. - The ICBC Inner Mongolia Branch aims to enhance the region's technological innovation capabilities and accelerate the construction of a modern industrial system, contributing to high-quality economic development [5].

Core Insights - The article emphasizes the importance of technology finance in driving high-quality development in Inner Mongolia, with a focus on supporting technological innovation and the real economy [1][3]. Group 1: Financing Initiatives - The bank has significantly increased its financial support for technology enterprises, achieving a loan balance exceeding 57 billion yuan by the end of September 2025 [1]. - A specialized team and dedicated branches have been established to ensure precise and efficient service for technology companies [1][2]. Group 2: Tailored Services - The bank has launched various specialized products such as "High-tech Zone Points Loan," "Innovation Loan," and "Specialized and New Loan" to meet the diverse financing needs of technology enterprises at different growth stages [2]. - A unique evaluation system combining qualitative and quantitative assessments has been developed to enhance the accuracy of value judgments for light-asset enterprises [2]. Group 3: Strategic Alignment - The bank aligns its efforts with regional strategic priorities, focusing on key industries such as rare earth materials, new energy equipment manufacturing, and chemical new materials [3]. - The bank aims to enhance the technological innovation capacity of Inner Mongolia and contribute to the establishment of a modern industrial system [3].

Core Viewpoint - The roundtable discussion highlighted the ongoing improvements in Shenyang's business environment, emphasizing the collaboration between enterprises and financial institutions to support the "Digital Liaoning, Strong Manufacturing Province" strategy [1][2]. Group 1: Business Environment and Opportunities - Shenyang's business environment has been continuously optimized, creating new opportunities for enterprises, as emphasized by the senior vice president of Softcom [2]. - The collaboration between Softcom and the Liaoning provincial government has led to the establishment of a new operational model in Shenyang, which includes a headquarters and three bases [2]. - Key considerations for choosing Shenyang include its status as a heavy industry base, the availability of talent from local universities, and supportive policies from free trade zones [2]. Group 2: Financial Innovation and Support - Financial institutions like ICBC Shenyang Branch are innovating service models, creating a five-specialty system to cater to different technology enterprises [3]. - Customized financial solutions have been developed for Softcom, allowing for seamless financing options to address funding challenges [3]. - The collaboration between government and financial institutions aims to enhance project funding supervision and information sharing through digital platforms [4]. Group 3: Collaborative Ecosystem Development - The trend of collaboration between local and incoming enterprises is growing, with Softcom leading initiatives in green development and AI virtual power plant platforms [4]. - The partnership between government, enterprises, and financial institutions is exemplified by joint regulatory efforts and rapid project planning [4]. - The establishment of a "Technology Expert Database" is suggested to improve the evaluation of high-tech projects and address the shortage of technology finance professionals [5]. Group 4: Future Development Plans - Softcom plans to complete the layout of secondary nodes across Liaoning by the end of the year, aiming for comprehensive provincial coverage [5]. - The "Liaoning model" is set to be replicated in other regions of China, including South China, East China, North China, Southwest, and Central regions [5]. - The roundtable showcased the achievements of Softcom in Liaoning and the innovative services of ICBC Shenyang Branch, reflecting the city's commitment to attracting global tech enterprises [5].

Group 1 - The core viewpoint emphasizes the importance of manufacturing as the foundation of national strength, with Shandong province focusing on advancing its manufacturing sector through financial support from the Industrial and Commercial Bank of China (ICBC) [1][4] - As of June 2025, ICBC's manufacturing loans in Shandong exceeded 313 billion yuan, marking a net increase of 54.6 billion yuan since the beginning of the year, making it the only state-owned commercial bank in the province with manufacturing loans surpassing 300 billion yuan [1] - ICBC is actively engaging in targeted financial initiatives to support traditional industries' transformation and upgrading, focusing on high-end, intelligent, and green manufacturing [3][4] Group 2 - ICBC has launched a series of financial measures to support the high-quality development of Shandong manufacturing, including organizing credit promotion meetings and conducting special activities to enhance credit services for the manufacturing sector [4][5] - The bank has established a "1+2+N" technology finance specialized structure to improve service efficiency for advanced manufacturing, particularly in new-generation information technology and high-end equipment manufacturing [5][6] - Innovative financial products have been introduced, such as "green loans for specialized equipment purchases" and "R&D support loans," aimed at addressing the financing challenges faced by enterprises [7][8] Group 3 - ICBC is leveraging digital finance by creating a digital product matrix, including "Manufacturing e-loans" and "Technology e-loans," to enhance financing accessibility for quality technology enterprises [8] - A case study highlights how ICBC provided timely financing support of 2.7 million yuan to a high-tech enterprise within one working day, showcasing the bank's responsiveness to client needs [8] - The bank aims to integrate traditional industry transformation with new productivity financial services, fostering a deeper connection between financial services and the real economy in Shandong [8]