创新运用金融工具，拓宽科技企业融资渠道。陕西积极推行"创新积分制"，已向科技部推荐企业 2441家，并向金融机构推送787家，累计发放相关贷款85.07亿元；在全国率先发行"技术产权资产证券 化（票据化）"产品，目前已发行6期，帮助62家科技型中小企业融资5.28亿元，其中22家已成长为专精 特新企业。 持续完善政策体系，优化科技成果转化环境。陕西发布2025年度科技成果转化"三项改革"任务清 单，吸引9家创投机构"揭榜"支持耐心资本赋能成果转化；依托"秦科贷"风险补偿政策，重点为高新技 术企业及拟上市培育企业提供贷款支持，2025年合作银行新增发放贷款315.41亿元，拨付风险补偿资金 553.04万元。 省科技厅相关负责人表示，将建立全省科技金融常态化推送机制，加强与创投机构、银行、保险机 构合作，打造"一清单、一队伍、一平台"；发挥100亿元省科技创新母基金作用，推动100亿元社保科创 基金尽快在陕落地；用好"创新积分制""技术产权证券化""科技创新债券""先投后股""秦科贷"等金融工 具，建立股贷债保联动机制，破解科技企业融资难题。（记者：张梅） 2月6日，记者从省科技厅获悉：为引导更多金融资源服务科 ...

深化支持小微企业融资协调工作机制，是解决民营企业特别是中小企业融资难问题的有力举措。据 介绍，2026年，省发展改革委将依托"秦信融"平台常态化开展支持小微企业融资协调工作，围绕金融机 构需求，动态调整涉企信用信息归集共享目录，加快与金融城域网互联互通；设立科技、农业、外贸特 色专区，最大限度满足各类经营主体不同发展阶段融资需求；依托信用中国（陕西）平台常态化开展信 用监测，为金融机构提供更早、更精准的风险预警；协同各地开展"政策解读+案例推广"，将政策信号 及时准确传达到各类经营主体，不断推动降低小微企业等经营主体融资成本。（记者：杨晓梅） 1月26日，记者从省发展改革委获悉：2025年，依托支持小微企业融资协调工作机制，全省有效降 低了小微企业等经营主体融资成本。截至2025年底，全省累计走访经营主体528.06万户，其中，向银行 机构推荐37.79万户、授信5494.65亿元，助推银行机构投放贷款4443.18亿元。 省发展改革委财金处处长闫少锋介绍，2025年，全省支持小微企业融资协调工作机制高效运行，依 托"秦信融"平台"支持小微企业融资服务专区"，梳理形成5类经营主体包括3万余户农业经营主体和51 ...

Core Viewpoint - The article highlights the growing importance of data asset financing in supporting technology-driven companies in Shaanxi, with a focus on the innovative financial products being developed to address the challenges faced by these companies in monetizing their data assets [1][3]. Group 1: Company Developments - Shaanxi Kunxiang plans to expand its smart parking service market and has successfully secured a data asset pledge loan of 4.95 million yuan from SPD Bank, marking a significant step in utilizing data assets for financing [1]. - The company has developed various intelligent products, including a smart parking client and a city-level static traffic management platform, accumulating substantial parking data resources [1]. - R&D expenditures account for over 60% of the company's total costs, indicating a strong commitment to innovation [1]. Group 2: Financial Innovations - SPD Bank's Xi'an branch has provided loans to 990 technology companies in 2025, reflecting a net increase of 158 companies since the beginning of the year, showcasing the bank's role in supporting tech innovation [3]. - The bank has established a collaborative mechanism involving banks, exchanges, enterprises, and professional institutions to address challenges related to data asset valuation and financing [1][2]. - The bank utilizes blockchain technology to ensure data security during the asset valuation and pledge registration process [2]. Group 3: Regional Financial Initiatives - In 2025, Shaanxi introduced 50 measures to promote technology finance, aiming to support the transformation of technological achievements and address the financing difficulties faced by tech companies [3]. - The Shaanxi Provincial Science and Technology Innovation Fund was established with an initial scale of 10 billion yuan, focusing on strategic emerging industries and future industries [4]. - The fund has already approved investments in 12 sub-funds, with a total commitment of 5.7 billion yuan, indicating strong interest from top investment institutions [4]. Group 4: Overall Financial Growth - By the end of 2025, the balance of technology loans in Shaanxi reached 882.215 billion yuan, reflecting a growth of 12.41%, which is significantly higher than the average growth rate of other loans [5]. - The establishment of AIC pilot funds in the province has led to the launch of 9 funds with a total scale of 8 billion yuan, supporting small and micro technology companies [5].

Group 1: Business Environment Improvement - The proactive approach of the Xi'an Administrative Approval Service Bureau has significantly improved the business environment, allowing companies like Jianghao Group to quickly obtain necessary licenses with minimal hassle [1] - In the first half of the year, the added value of the private economy in Shaanxi reached 837.48 billion, accounting for 49.8% of the GDP, indicating the growing importance of private enterprises in the region [1] Group 2: Policy Support for Private Enterprises - The implementation of the "Seven Major Actions" plan aims to enhance the high-quality development of the private economy in Shaanxi, introducing 31 specific measures to improve the business environment [2] - The "One Thing, One Time" reform in Shiquan County has reduced the time required to establish a business to within three working days, showcasing the efficiency of government services [2] Group 3: Financial Support for Enterprises - The "Ten Industries, One Hundred Billion" financing initiative allocates at least 200 billion annually to support enterprises, with a new business scale of 101.3 billion in government financing guarantees benefiting 146,000 small and micro enterprises [4] - Financial products like "Qin Science Loan" and "Qin Knowledge Loan" encourage technology companies to secure financing through intellectual property pledges, with up to 30% fiscal subsidies available [4] Group 4: Innovation and Industry Integration - The integration of innovation and industry is exemplified by companies like Xuqiangrui, which received targeted support from the government to advance in the hydrogen energy sector, highlighting the role of private enterprises in driving technological advancements [5] - Private enterprises now account for over 80% of the industrial enterprises above designated size in Shaanxi, playing a crucial role in industrial growth and technological innovation [5]

Core Viewpoint - The "Implementation Plan for Further Promoting High-Quality Development of the Private Economy in Shaanxi Province" has been officially issued, focusing on seven major actions to optimize the development environment for the private economy, address development challenges, boost corporate confidence, and promote sustainable and high-quality growth in the province's private sector [1][4]. Group 1: Seven Major Actions - The plan includes seven major actions: making policies accessible, removing market entry barriers, providing financial support to enterprises, increasing support for private economic factors, standardizing administrative inspections related to enterprises, ensuring efficient processing of business matters, and legal protection [1][4]. - A total of 31 specific measures have been introduced to comprehensively enhance the development environment for the private economy [1]. Group 2: Financial Support and Innovation - The plan emphasizes financial support for private enterprises, including increasing credit supply and implementing a special financing action with an annual allocation of no less than 200 billion yuan [9]. - It encourages private enterprises to participate in national technology projects and supports capable organizations in leading major technological tasks [6]. Group 3: Market Entry and Administrative Efficiency - The plan aims to eliminate market entry barriers by reviewing and abolishing policies that hinder fair competition, with a completion target set for the end of 2025 [8]. - It seeks to streamline administrative inspections and improve the efficiency of administrative processes, ensuring that inspections are consolidated to avoid redundancy [12]. Group 4: Legal and Regulatory Framework - The plan includes measures to enhance the legal environment for private enterprises, ensuring the protection of their rights and interests, and improving the handling of cases related to financing and technological upgrades [12]. - It also emphasizes the importance of protecting intellectual property rights for innovative private enterprises [12].