目前，首批试点地区评选、资金池的管理办法制定、合作机构遴选等工作正在有序推进。下一步，省财 政厅将继续积极配合省科技厅，持续完善资金池运作机制，探索扩大试点范围，推动更多金融资源畅通 无阻地流向科技创新最前沿、经济发展主战场，为科技创新发展注入强劲的科技金融动能。 此次设立的科技信贷风险补偿资金池，核心在于建立"政银风险共担"机制，即政府对贷款损失提供有限 补偿，其余风险由银行承担。省财政厅、省科技厅统筹安排专项资金作为初始风险补偿资金，试点地区 1∶1配套资金，共建资金池。当符合条件的科技型企业发放贷款发生风险损失时，资金池将按照事先约 定的比例对金融机构进行风险补偿。这一设计，既显著降低了金融机构为科技型企业提供信贷支持的风 险预期，提升了其敢贷、愿贷的积极性，又严格控制风险敞口，保障了财政资金安全。 唐佳丽 孔爱群 深入贯彻落实创新驱动发展战略，优化区域科技创新生态，今年，省财政厅配合省科技厅统筹省科技专 项资金，创新设立了"省级科技信贷风险补偿资金池"，并创新采用"揭榜挂帅"机制组织实施试点，有效 发挥财政资金杠杆放大和风险保障作用，引导更多金融资源精准、高效服务科技型企业，着力破解融资 难、融资贵问 ...

这种模式实现了由"企业找银行"的"被动授信"向"银行找企业"的"主动授信"转变，有效破解优质科创型 中小企业贷款难问题，同时帮助银行精准识别企业科技含金量，缩短审贷周期。成都星拓微电子科技股 份有限公司是首批受益企业之一，其凭借近80分的创新总积分，2个月内就获得1000万元顶格贷款授 信，解决了研发投入燃眉之急。该公司CEO李丹表示，创新积分制为企业发展提供了切实助力。 数据显示，成都已累计完成全市4.6万余家企业的创新积分画像，覆盖建圈强链各产业链及企业发展各 阶段；"积分贷"自2023年12月启动以来，累计放款484笔、金额22.45亿元，切实为科技企业发展注入动 力。(完) （文章来源：中国新闻网） 据了解，成都是全国率先试点"企业创新积分制"的城市之一，通过积分为企业创新"画像"，以"小积 分"实现"大应用"，精准支持企业创新发展，助力具有核心竞争力的"硬科技""好苗子"企业脱颖而出。 2023年9月，成都市科学技术局印发《成都市"企业创新积分制"工作实施方案(试行)》，正式在全市推 广应用"企业创新积分制"，并联合银行创新推出"积分贷"科技信用金融产品。 "我们依托'科创通'打造了'成都市企业创新 ...

Core Insights - Anhui Province has achieved significant financial development during the "14th Five-Year Plan" period, with a social financing scale maintaining an annual increment of over 1 trillion RMB since 2021, and both deposits and loans exceeding 9 trillion RMB [1][2] Financial Services to the Real Economy - Since the "14th Five-Year Plan," Anhui's social financing increment has surpassed 5 trillion RMB, a 57% increase compared to the "13th Five-Year Plan," with 2024 projected to reach 1.18 trillion RMB, ranking 6th nationally [2] - By the end of September, the province's RMB deposit balance was 9.77 trillion RMB, with an annual growth rate of 8.6%, while the loan balance reached 9.25 trillion RMB, growing at 13.1% annually, achieving the "14th Five-Year Plan" targets ahead of schedule [2] - Manufacturing loans reached 1.1 trillion RMB, 2.5 times that of the end of the "13th Five-Year Plan," with long-term loans at 700.3 billion RMB, 4.7 times higher [2] - Technology loans totaled 1.7 trillion RMB, ranking 7th nationally, with loans to tech enterprises increasing 5.6 times since the end of the "13th Five-Year Plan" [2] - Inclusive loans for small and micro enterprises reached 1.5 trillion RMB, 2.5 times higher than at the end of the "13th Five-Year Plan," while agricultural loans increased by 65.8% to 2.67 trillion RMB [2] A-share "Anhui Sector" Growth - The number of listed companies in Anhui has increased by 62 since the "14th Five-Year Plan," totaling 186 by the end of September, nearly a 50% increase from the end of the "13th Five-Year Plan" [3] - Over 70% of listed companies are high-tech enterprises, with 60% in emerging industries and 50% classified as "specialized, refined, distinctive, and innovative" [3] - Anhui has achieved direct financing of 3.4 trillion RMB during the "14th Five-Year Plan," a 30% increase from the previous period, with significant growth in bond issuance [3] Fund Ecosystem Development - Anhui has established a provincial emerging industry guidance fund with a total scale of 200 billion RMB and a state-owned capital fund of 100 billion RMB, creating a collaborative fund ecosystem [4] - The province has launched the first bank-affiliated insurance capital AIC equity investment fund in the country, with a total of 3 AIC funds established, amounting to 2.1 billion RMB [4] Technology Finance Characteristics - Anhui has developed a unique technology finance model, creating a closed-loop ecosystem of "technology-industry-finance" [5] - The province has set up a technology achievement transformation guidance fund with 18 sub-funds, investing in 151 projects, and has introduced various innovative credit products to support technology transfer [6] - By the end of October, 139 technology enterprises were listed in Anhui, accounting for 75% of all listed companies, with a total market value of 2.16 trillion RMB, representing 80% of the total [6]

Core Insights - The 2025 Financial Development Conference held in Beijing focused on the resilience and transformation paths of China's banking and insurance industry in complex environments [1] - Chengdu Bank received the "Annual Special Award for Characteristic Finance" at the conference, highlighting its innovative practices and recognition for its regional service effectiveness [1][2] - As a key financial institution in the Chengdu-Chongqing economic circle, Chengdu Bank has surpassed 1 trillion yuan in assets, achieving a total asset scale of 1.38 trillion yuan by the end of September this year [1] Group 1: Financial Innovation and Services - Chengdu Bank has developed a unique regional practice by translating the strategic requirements of the financial "Five Major Articles" into distinctive financial services [2] - The bank has established a "Four Special" service system focusing on technology finance, which includes specialized institutions, professional teams, dedicated credit, and exclusive products [3] - By the end of 2024, over 90% of the bank's technology branch clients were technology enterprises, showcasing its commitment to supporting innovation [3] Group 2: Green Finance Initiatives - Chengdu Bank has provided over 8 billion yuan in credit support to the Chengdu Public Transport Group, aiding the transition to a greener public transport system [5] - The bank's green credit balance reached 49.77 billion yuan by the end of 2024, marking a 22.87% increase year-on-year, leading the market share among provincial banks [6] - Chengdu Bank issued 3 billion yuan in green financial bonds, supporting 53 green projects and enhancing regional green transformation [6] Group 3: Inclusive Finance and Support for SMEs - The bank has created a "park + finance + scenario" service ecosystem to enhance financial services for small and micro enterprises [7] - Chengdu Bank has provided over 15 billion yuan in credit to more than 200 core enterprises, supporting over 5,000 small and micro enterprises through its supply chain finance initiatives [8] - The average interest rate for inclusive loans dropped to 3.3%, benefiting private enterprises and reducing their financing burdens [8] Group 4: Elderly Financial Services - Chengdu Bank has established a comprehensive elderly customer service system, providing prioritized and preferential services to senior clients [9] - The bank has completed standardization of service facilities and has launched a senior-friendly version of its mobile banking app to address the needs of elderly customers [10] Group 5: Digital Transformation - Chengdu Bank has built a robust digital infrastructure with a "5+2" middle platform system to support its digital transformation [11] - The bank's electronic banking customer base exceeded 6.34 million by 2024, with mobile banking active users reaching 1.39 million [12] - The bank aims to continue enhancing its financial services by focusing on technology finance, green finance, inclusive finance, elderly finance, and digital finance [12]

Core Points - The Baotou City Science and Technology Financial Information Platform officially launched on October 24, marking a significant step in the comprehensive application of the "Innovation Points System" [1][3] - The platform aims to empower enterprise innovation through data-driven, precise credit granting, facilitating a new chapter in technology finance [1][3] Group 1: Platform Overview - The platform was jointly developed by the Baotou Municipal Science and Technology Bureau and the People's Bank of China Baotou Branch, based on the "Innovation Points System" guidelines [5] - It features a "4+18" scientific evaluation system and includes five functional modules: points system, review and evaluation, financial credit, tiered cultivation, and enterprise profiling [5] - The platform enables a streamlined online process for enterprises, from registration to credit feedback, significantly reducing the time required for loan applications [5] Group 2: Financial Impact - Since its trial operation began at the end of September, the platform has attracted 742 high-tech and technology-based SMEs, with 675 participating in evaluations and receiving points [9] - A total of 148 enterprises have secured "Innovation Points Loans" amounting to 410 million yuan, with an average loan amount of nearly 2.8 million yuan per enterprise, addressing the financing challenges faced by asset-light SMEs [9] Group 3: Strategic Partnerships - Four banks, including Industrial and Commercial Bank of China, Bank of China, Bank of Communications, and Minsheng Bank, signed strategic cooperation agreements with Baotou Anheng Technology Co., Ltd. [3][11] - The launch event was attended by over 100 representatives from government departments, financial institutions, and technology enterprises, highlighting the collaborative effort in promoting the platform [11]

Core Viewpoint - Shandong Industrial Bank is actively promoting financial services to support the development of new productive forces, focusing on technology innovation and equipment upgrades to meet diverse financial needs of the economy and society [1][2][3]. Group 1: Financial Innovation and Support - The bank has introduced various innovative loan products such as "Sci-Tech Innovation Loan" and "Equipment Purchase Green Loan" to facilitate financing for technology-driven enterprises and equipment upgrades [3][4]. - A total of over 600 billion yuan has been disbursed in loans through initiatives aimed at accelerating financial services to local projects [4]. - The establishment of a 1 billion yuan equity investment fund aims to support strategic emerging industries in Shandong, including high-end manufacturing and new energy [4][5]. Group 2: Green Finance Initiatives - The bank has launched a marine carbon sink expected revenue rights pledge loan, which utilizes carbon reduction from marine aquaculture as collateral, enhancing financing options for related enterprises [6][7]. - The "Lushan Bay Oyster Integration Development Demonstration Zone Project" aims to promote sustainable development in the oyster industry, with a carbon fixation capacity of 77,000 tons annually [7]. Group 3: Inclusive Finance and Community Support - The "Qilu Xingnong Loan" is designed to meet the financing needs of small farmers and agricultural enterprises, providing a comprehensive range of financial products tailored to local agricultural characteristics [8]. - The "Silver Industry Cloud" platform offers a one-stop financial service for the elderly, integrating various services to enhance the quality of elderly care [9]. Group 4: Digital Financial Services - The bank has developed a smart agricultural service platform based on open banking and digital currency, providing integrated financial services to support rural revitalization [10]. - This platform enhances transaction efficiency and regulatory control through real-time payment capabilities and smart contracts [10]. Group 5: Future Outlook - The bank aims to continue aligning with various policies to efficiently meet financial demands, striving for high-quality development and contributing to the modernization of Shandong [11].

Core Insights - The central financial work conference emphasizes the importance of technology finance, aligning with the service system developed by SPDB [1] - SPDB Shijiazhuang Branch is addressing the challenges faced by technology-based SMEs in Hebei, such as long R&D cycles and funding mismatches, by innovating financial solutions [1] Group 1 - SPDB Shijiazhuang Branch adopts a "partner thinking" approach to reconstruct the connotation of technology finance services, providing tailored financial solutions for local tech enterprises [1] - The "Puyandai" product is designed to meet the funding needs of enterprises during the R&D phase, allowing for rapid approval and flexible usage of loan amounts [1] - A local pharmaceutical company successfully utilized "Puyandai" to address funding gaps, highlighting the product's flexibility in supporting R&D efforts [1] Group 2 - SPDB Shijiazhuang Branch is building a product matrix that covers the entire lifecycle of enterprises to enhance the connection between banks and companies [1] - The branch has organized "Technology Salon" events to facilitate direct communication between executives of biopharmaceutical companies and the bank, addressing specific funding and financing issues [1] - Future plans include forming a dedicated service team to follow up on enterprise needs collected during "Technology Salon" events, focusing on key industries like biopharmaceuticals and high-end manufacturing [2]

Core Viewpoint - The construction of the Wuhan Science and Technology Financial Center is aimed at enhancing financial support for technological innovation and industrial integration in Hubei province, with a clear roadmap and specific tasks outlined in the recent plan [1][2]. Group 1: Key Components of the Plan - The plan consists of four main functions: resource aggregation, reform experimentation, ecological optimization, and radiation-driven development, focusing on enhancing the financial roles of equity investment, credit financing, and public fundraising [1][2]. - It includes overall requirements, functional positioning, a complete service system, and service guarantees, with 25 specific measures to drive technological and industrial innovation [2][3]. Group 2: Goals and Timeline - By the end of 2027, the goal is to establish a preliminary Wuhan Science and Technology Financial Center with significant growth in key financial indicators [4]. - By 2030, the aim is to achieve a first-class level in innovation capability, regional influence, service systems, and ecological environment in technology finance [4]. Group 3: Financial Support and Initiatives - The plan emphasizes attracting financial institutions, capital, and talent from both domestic and international sources, while promoting reforms in technology finance [2][3]. - Hubei has established 74 specialized technology financial institutions and has implemented a multi-layered financial product service system, with significant increases in technology loans and support for small and medium-sized technology enterprises [6][7]. Group 4: Recent Achievements - As of June, technology loans in Hubei grew by 14.3%, and loans to technology SMEs increased by 25.1%, surpassing national averages [6][7]. - Twelve enterprises have issued technology innovation bonds totaling 13 billion yuan, leading the central region in bond issuance [7].

Economic Performance - Chengdu achieved a GDP of 12,108.2 billion yuan in the first half of the year, with a year-on-year growth of 5.8% [1] - Fixed asset investment grew by 6.0%, while private investment, excluding real estate, surged by 13.2% [1] Business Environment Initiatives - Chengdu has implemented a "one-code inspection" system since February, covering approximately 400 million business entities and over 30,000 law enforcement personnel, enhancing regulatory efficiency and reducing burdens on enterprises [2] - The city has established 24 government-enterprise liaison groups and an online channel for business feedback, facilitating better communication between the government and enterprises [2] Financial Support for Enterprises - Chengdu has introduced financial products like Sci-Tech Loans and Talent Loans, providing over 50 billion yuan to more than 5,400 technology enterprises based on their operational data and credit scores [3] - The city conducts regular technology achievement matching activities, creating a one-stop service for innovation and market access [3] Innovation and Collaboration - Chengdu has fostered partnerships between enterprises and innovation platforms, exemplified by a collaboration between a technology company and a research team from the University of Science and Technology of China [3] - The city continues to explore new industries and improve its business environment through ongoing reforms and innovative practices [4]

Core Insights - The "Good Financial Products" list for 2025 has been officially released, highlighting Shandong Industrial Bank's case of "promoting technological innovation and equipment renewal loans" as a significant contribution to high-quality financial services [1] - Shandong Industrial Bank has actively engaged in the "Two New" initiatives since the State Council's deployment, demonstrating a commitment to enhancing service precision for the real economy [1] Group 1 - Shandong Industrial Bank has issued the first technological innovation loan and the first equipment renewal loan in the province (excluding Qingdao), leading in total funding amounts [1] - A dedicated task force has been established to implement a responsibility system, ensuring effective communication of central policies and business guidance [1] - The bank has organized meetings to promote technological innovation and technical transformation, proactively engaging with potential projects and clients [2] Group 2 - The bank has optimized business processes by establishing a green channel and a special mechanism for rapid response, enhancing communication and collaboration [2] - Innovative financial products such as "Sci-Tech e-loan," "Points Loan," and "Sci-Tech R&D Loan" have been launched to meet the financing needs of technology-driven enterprises [2] - The "Equipment Purchase Green Loan" has been tailored to match the rapid technological updates in the industry, simplifying procedures for loans under 100 million [2]