本次论坛以"科技金融 深度赋能"为主题，聚焦高质量科技金融如何更好服务高水平科技自立自强，探 索可行路径与发展模式。论坛将紧密结合济南作为全国首个科创金融改革试验区四年来的建设成果，系 统总结改革实践经验，深入研讨济南科技金融未来发展的新方向、新路径与关键突破点，旨在为推 动"十五五"期间科技金融高质量发展凝聚共识、总结方法、提供借鉴。 11月26日至28日，为深入贯彻党的二十届四中全会"加快高水平科技自立自强，引领发展新质生产力"的 战略部署，研讨科技金融赋能新质生产力的新路径、新举措，由财新传媒主办、齐鲁银行承办的"第三 届济南科技金融论坛"将在济南隆重举行。 本次论坛由"一主、两分、一会、两活动、六沙龙"十二个板块组成。其中，"一主"即主论坛，分为领导 致辞、嘉宾主旨演讲、合作签约等环节；两个平行分论坛分别围绕"聚力融合：全周期科技金融的产品 创新与生态构建""贯通枢纽：激活多层次资本市场，鼎力驱动科技-资本-产业大循环"等主题进行研讨交 流；"一会"即邀请黄河流域重点城市、济南都市圈城市共同举行"加强科技金融区域协同，推动黄河流 域高质量发展"闭门会议，探讨如何进一步完善跨区域合作机制；论坛还设立了" ...

德晟机器人是一家成立于2018年的企业，如今已成长为国家级专精特新"小巨人"企业，专注提供机器人 及高端智能装备、智能数字化车间解决方案，研发的接箍预拧机器人、丝扣自动检测等技术达到行业先 进水平。"公司每年持续增加在产品研发方面的投入，需要稳定的资金流作为支撑。"公司董事长赵胜林 告诉记者。 新华社济南11月19日电（记者李傲秋）高效搬运、精准切割、无缝焊接……在山东德晟机器人股份有限 公司自动化装配车间，智能机器人正有序执行各项任务。 据介绍，科技型企业贷款是邮储银行山东省分行推出的针对优质"专精特新"企业、科技型企业的一款纯 信用贷款产品。今年前10个月，邮储银行山东省分行科技型企业贷款同比增长30.70%。 传统信贷评估更看重厂房、设备、土地等"硬资产"，然而科技企业最宝贵的"家当"往往沉淀于实验室的 专利证书与研发智慧之中。如何合理评估这些"看不见"的资产？如何构建一套科学的评价体系，准确判 断企业的创新能力？近年来，山东加大政银企联动力度，为科技创新型企业注入源源不断的金融活水， 有效带动科技成果转化。 据了解，建行山东省分行启用"技术流"评价体系，从多个维度评估企业知识产权的含金量，包括发明专 ...

Core Insights - Shandong Province is enhancing financial policies to integrate with technology, industry, and fiscal policies, aiming to optimize financial supply and deepen reform and innovation [1][2] - The province is focusing on attracting investment in key sectors such as high-end manufacturing and integrated circuits, with significant financial support from major financial institutions [1] - A total of 167 projects were financed by various financial institutions, amounting to 147.376 billion yuan in the first three quarters of the year [1] - Shandong is establishing a "four-value" system to support innovation, including credit data pricing and intellectual property valuation, alongside launching 114 specialized credit products [2] - The province has seen an increase in the number of listed companies, with 8 out of 9 new listings being technology firms, and over 8% of IPOs under review or guidance also being tech companies [2] - Financial support for talent is being enhanced through optimized loan services and risk compensation funds, with 129.51 billion yuan disbursed across 2,877 loans [3] Group 1: Financial Policy and Investment - Shandong is strengthening financial policies to align with technology and industry, focusing on optimizing financial supply and enhancing service quality [1][2] - The province is actively engaging with major financial institutions to secure more credit resources and insurance funds for key sectors [1] - In the first three quarters, financial institutions financed 167 projects with a total investment of 147.376 billion yuan [1] Group 2: Innovation and Industry Support - Shandong is promoting the establishment of a "four-value" system to support innovation, which includes pricing for credit data and intellectual property [2] - The province has launched 114 specialized credit products, achieving a total financing support of 35.2 billion yuan [2] - There has been a focus on nurturing high-quality enterprises in new technology sectors, with 8 out of 9 new listed companies being technology firms [2] Group 3: Talent Support and Services - Shandong is enhancing financial support for talent through optimized loan services and risk compensation funds, with 129.51 billion yuan disbursed [3] - The province has expanded risk coverage for talent, providing 86.63 billion yuan in risk guarantees to 139 companies [3] - The regional equity market has supported 206 companies listed on the talent board [3]

Group 1 - The core viewpoint emphasizes the integration of financial services with technological innovation, highlighting its role in transforming scientific achievements into new industries and enhancing the strategic importance of technology finance [1][6] - Qilu Bank has established a comprehensive financial service ecosystem that covers the entire lifecycle of technological innovation, including specialized credit products like "Ke Rong Loan" and "Research Loan" to address the financing challenges of asset-light enterprises [1][2][6] Group 2 - The bank's specialized branches and financial centers have been recognized for their innovative service models, with a focus on tailored financial solutions for different stages of enterprise development, such as offering loans with flexible interest arrangements for growing companies [2][3] - As of mid-2025, Qilu Bank's loans to technology enterprises exceeded 1.7 billion yuan, serving over 120 technology companies, with a significant proportion of its loan portfolio dedicated to technology finance [3][6] Group 3 - The bank has developed a "not just financial" ecosystem, integrating various services such as treasury management and foreign exchange, and has conducted multiple events to facilitate policy guidance and resource connections for technology enterprises [3][4] - Qilu Bank's commitment to product innovation is evident in its offerings, which have been recognized as exemplary practices in technology finance, with a total technology loan balance reaching 38.8 billion yuan by early 2025 [6][9] Group 4 - The bank is actively pursuing digital transformation, implementing online and offline service models to enhance efficiency and accessibility for technology enterprises, thereby addressing diverse financing needs [7][8] - Qilu Bank's focus on risk control through big data and automated approval processes has enabled it to support technology enterprises effectively, ensuring a steady flow of financial resources for innovation [8][9]

Core Insights - The Qi Lu Bank's Science and Technology Financial Center Branch has achieved a remarkable 97.90% and 88.65% ratio of technology enterprise loan balances and clients, respectively, indicating a strong focus on serving technology-driven companies [1] - The branch has developed specialized financial products and services tailored to the unique needs of technology enterprises, aiming to provide comprehensive financial support throughout their lifecycle [2][3] Group 1: Financial Performance and Client Base - As of the end of Q1 2025, the branch has a loan balance of 1.575 billion yuan (approximately 15.75 billion) for various technology enterprises, serving 125 clients [1] - The high percentage of technology enterprise loans indicates a strategic focus on this sector, with the branch's loan balance and client count significantly surpassing traditional corporate lending metrics [1] Group 2: Innovative Financial Products - The branch offers a "Research Loan" product with a maximum credit term of 10 years, allowing flexible collateral options such as credit and intellectual property pledges, covering various funding needs [2] - The "Forward Win-Win Interest Rate Loan" product provides a three-year mid-term working capital loan with a unique interest structure, supporting the growth of enterprises [2] Group 3: Tailored Services and Solutions - The branch has developed a range of financial solutions, including the "Future Star" and "Morning Star" series, to meet the specific needs of technology enterprises at different innovation stages [3] - A comprehensive service brand called "Science and Technology Financial Steward" has been established, offering various management solutions to enhance client support [3][4] Group 4: Team and Ecosystem Engagement - The branch employs a specialized team of 9 out of 16 staff members dedicated to technology finance, emphasizing expertise in the sector [4] - Collaborative efforts with ecosystem partners, including associations and government platforms, are aimed at empowering technology enterprises through combined resources and support [4]

Core Viewpoint - Qilu Bank has demonstrated balanced and coordinated development in scale, efficiency, and quality, achieving significant improvements in asset quality and delivering a high-quality development report for 2024 [1] Financial Performance - Total assets of Qilu Bank reached 6895.39 billion yuan, a year-on-year increase of 14.01% [2] - Operating income was 12.496 billion yuan, up 4.55% year-on-year, while net profit attributable to shareholders was 4.986 billion yuan, reflecting a 17.77% increase [1][2] - The bank's loan total was 3371.42 billion yuan, growing by 12.31%, and deposits reached 4395.41 billion yuan, increasing by 10.42% [2] Asset Quality Improvement - Non-performing loan ratio decreased to 1.19%, down 0.07 percentage points from the previous year [3] - The coverage ratio for provisions rose to 322.38%, an increase of 18.80 percentage points, indicating enhanced risk mitigation capabilities [3] Business Structure Optimization - Qilu Bank's net interest income was 9.031 billion yuan, a 1.73% increase, while non-interest income grew by 12.70% to 3.465 billion yuan [2] - The proportion of fee and commission income in total revenue increased by 0.76 percentage points to 10.12% [2] Shareholder Returns - The bank has a consistent cash dividend policy, proposing a cash dividend of 1.39 yuan per 10 shares for 2024, marking a 21% increase from the previous year [4] - Qilu Bank's stock price has seen significant appreciation, ranking among the top in A-share listed banks [4] Innovation and Strategic Focus - The bank focuses on serving urban and rural residents, small and medium enterprises, and local economic development, with a strong emphasis on inclusive finance, green finance, and technology finance [5][6] - Qilu Bank's inclusive finance loans reached 747.04 billion yuan, growing by 13.97%, with an average interest rate of 4.27% [6] Digital Transformation - Qilu Bank is actively embracing digital transformation, enhancing customer engagement and operational efficiency through data analysis and automation [9][10] - The bank has developed a digital talent framework and is fostering a team of over 500 data analysts to support its digital initiatives [11] Social Responsibility - The bank is committed to supporting local economic development, with a 15.51% increase in corporate loan balances and a 46.64% rise in loans to technology enterprises [12] - Qilu Bank has launched various initiatives to promote rural revitalization and enhance its corporate culture [13] Future Outlook - Qilu Bank aims to strengthen its market competitiveness and enhance its strategic business pillars by focusing on steady progress and innovation [14]

Core Viewpoint - The annual report of Qilu Bank for 2024 highlights the bank's steady growth in assets, loans, and deposits, alongside a focus on innovation in financial services and risk management, reflecting a commitment to high-quality development in the banking sector. Company Overview - Qilu Bank's operating range includes various financial services such as accepting public deposits, issuing loans, and providing foreign exchange services, primarily focusing on small and medium-sized enterprises and retail banking in Shandong Province and surrounding areas [4][5][6]. Financial Performance - As of the end of the reporting period, Qilu Bank's total assets reached 689.54 billion yuan, an increase of 14.01% from the previous year, while total loans amounted to 337.14 billion yuan, growing by 12.31% [32][33]. - The bank's net profit for the period was 4.986 billion yuan, reflecting a year-on-year increase of 17.77%, with earnings per share rising to 0.97 yuan, up by 11.49% [33]. Business Development - The bank's deposit balance was 439.54 billion yuan, a 10.42% increase year-on-year, with a total of 218.73 billion yuan in deposits from corporate clients, marking a 7.61% growth [9][33]. - Qilu Bank has expanded its customer base significantly, with corporate active clients increasing by 14.37% to 130,400 [10]. Innovation and Services - The bank has launched several innovative financial products, including technology-driven loans and green finance initiatives, with technology-based loans reaching a balance of 34.704 billion yuan, up 46.64% from the previous year [11][12]. - Qilu Bank's green loan balance was 32.183 billion yuan, increasing by 38.93%, demonstrating its commitment to sustainable finance [13]. Risk Management - The bank's non-performing loan ratio stood at 1.19%, a decrease of 0.07 percentage points from the previous year, indicating improved asset quality [33]. - The provision coverage ratio was 322.38%, reflecting a robust risk management framework [33]. Market Position - Qilu Bank has been recognized for its contributions to green finance and has received multiple awards, including "Best Green Finance Small and Medium Bank" [13]. - The bank's financial market operations have been acknowledged with awards for market influence and innovation, enhancing its reputation in the industry [25][26].