"不仅能获得200万元种子投资，还能零租金入驻孵化器，武汉的金融服务让我们敢创 新、能投入！"近日，在2025年武创通"资"润计划路演大赛中，一位参赛选手感慨。这场路 演依托武汉投控集团的金融赋能，以"陪跑式"服务为创新项目注入成长动能，成为武汉培 育"耐心资本"、优化科创生态的生动写照。 在武汉珈联传感科技有限公司，总经理范国邦展示了一款能耐700℃高温的薄膜超声传 感器。这项源自武汉大学的成果正从实验室走向产业化，正广泛应用于航空航天、芯片制 造、高压电网等领域。 "我们是'光谷3551人才'企业，荣获了国家科技型企业和高新技术企业认定，有专利、 有技术，但初创阶段缺乏固定资产，难以达到传统信贷门槛。"范国邦坦言。 转机出现在2024年7月，交通银行自贸区分行的客户经理上门走访后，迅速为其匹配 了"人才贷"产品。凭借人才资质和专利，150万元贷款一天内到位，用于购置关键镀膜设 备。"真没想到，证明你是人才，信用就能换来'真金白银'。"范国邦感慨。 从"人才贷""科创快贷"到"科创积分贷"，武汉各金融机构正从"看砖头"转向"看专利""看 人才""看前景"。截至今年9月末，仅交通银行湖北省分行科技贷款余额已超 ...

Core Viewpoint - The introduction of the "Green Ship Loan" by Wuhan Rural Commercial Bank aims to alleviate the financing pressures faced by shipping companies in updating and acquiring new vessels, thereby supporting the green transformation of inland shipping and contributing to ecological protection and carbon reduction goals [1][3]. Group 1: Industry Challenges - Many shipping companies express a common concern regarding the significant financing pressure associated with updating vessels, which hinders their ability to transition to new energy ships [1]. - The inland shipping sector is crucial for the comprehensive transportation system, and its green transformation is directly linked to the protection of the Yangtze River and the achievement of carbon neutrality targets [1]. - Traditional financing models are inadequate for the shipping industry due to challenges such as difficulty in collateral assessment, risk quantification, long financing cycles, and limited guarantee methods, which severely restrict the green upgrade of shipping companies [1][3]. Group 2: Financial Solution - Wuhan Rural Commercial Bank conducted in-depth research within the shipping industry, identifying that many small and medium-sized shipping enterprises operate with "light assets" and lack sufficient collateral, making it difficult for them to secure traditional credit support despite clear upgrade needs [3]. - The newly launched "Green Ship Loan" offers three core advantages: broad coverage of scenarios, more favorable interest rates, and flexible guarantees, breaking away from the reliance on fixed asset collateral [3]. - This financial product is designed to evaluate risks and create solutions based on the actual business of ship manufacturing and operation, effectively matching financial resources with industry needs [3]. Group 3: Market Response - The "Green Ship Loan" has received a positive market response, with several companies, including Wuhan Xintai Long Shipping Co. and Changrong Shipping, expressing intent to collaborate with Wuhan Rural Commercial Bank on credit [4]. - Companies like Xintai Long Shipping have highlighted that this loan addresses significant financial challenges, enabling them to proceed with plans to build new energy cargo ships more confidently [4]. - Wuhan Rural Commercial Bank plans to enhance its collaboration with government departments, research institutions, and guarantee agencies to build a multi-layered risk-sharing system, providing comprehensive financial service support for the green development of the Yangtze Economic Belt [4].