记者10月17日从中国工商银行获悉，"十四五"以来，该行战略性新兴产业贷款余额已从2021年12月末的 1万亿元增至2025年6月末的4.2万亿元；截至2025年6月末，全行科技贷款余额同业首家超6万亿元，科 技型企业贷款余额同业首家超2.6万亿元，科技相关产业贷款余额同业首家超5万亿元。 在落地专属服务机制的过程中，有一个核心问题需要解决——如何有效识别科技型企业的成长性、进而 评估信用风险与投资价值？ 从间接融资的角度看，要创新信贷审批模式，丰富专属产品与服务。为此，工商银行建立了专职审贷队 伍，优化风险防控理念，运用"企业创新积分"并推出科技企业智能评价模型。在此基础上，该行推出了 科创并购贷、股权激励贷、科创研发贷等专属产品，旨在为科技型企业构建"初创期股债联动、成长期 专属融资、成熟期综合服务"的全生命周期服务矩阵，更好地满足企业多元化融资需求。 从直接融资的角度看，要优化企业估值体系，引入更多长期资本、耐心资本。"我们在国内商业银行中 首创股权估值服务，建立了覆盖37个行业的企业估值体系，搭建了涵盖多种估值方法的估值线上系统， 广泛应用于标的筛选、交易定价、存续期管理、项目退出等估值场景，落地了一 ...

Core Insights - The article highlights the persistent challenges of "difficult and expensive financing" faced by small and micro enterprises, particularly in the technology and innovation sectors, which often lack collateral and credit history [1][3] - Beijing Sihai Feifan Consulting Co., Ltd. offers a comprehensive range of debt financing products tailored to different stages of enterprise development, aiming to alleviate financial constraints [1][3] Financing Product System - The company has developed a full-cycle debt financing product system that integrates resources from various financial institutions, providing customized financing solutions [3][4] - Key products include: - **Credit Loans**: Talent loans for startups, invoice loans for established businesses, rental loans for companies in designated areas, and order loans based on sales contracts [3][4] - **Mortgage Loans**: Mortgages for operational properties, acquisition loans for property purchases, and loans for income-generating properties [4] - **Other Financing Products**: Financing leases for fixed assets, guarantee financing for contracts, and bill business for receivables [4][5] Professional Team and Service Experience - The company boasts a professional team with over 15 years of experience in banking and investment, having served over 1,000 enterprises and facilitated financing of several billion [7][8] - Service advantages include: - Customized financing solutions based on professional diagnostics - Efficient matching with a network of banks and investment institutions - Comprehensive support throughout the financing process, ensuring compliance and security [8] Case Studies - Successful case studies demonstrate the effectiveness of the company's services, such as: - A telecommunications data company that secured 160 million in financing through a debt-equity linkage strategy, enabling it to overcome a financial crisis and achieve a successful IPO [9] - A biopharmaceutical company that leveraged its core patented technologies to attract multiple funding sources and pursue acquisition opportunities [9] - A technology company that received strategic investment and facilitated industry chain collaboration through financial advisory services [9] Conclusion - In a complex economic environment, Beijing Sihai Feifan Consulting positions itself as a sustainable and trustworthy financial advisor, focusing on innovative product combinations and optimized resource integration to ensure continuous development for enterprises [10]

Group 1 - Financial institutions are optimizing resource allocation and enhancing efficiency in serving the real economy, which is crucial for high-quality economic development [1] - In Tongren City, Guizhou Province, a local credit cooperative provided a 2 million yuan green finance loan to support the upgrade of new energy equipment in tea plantations [1] - Shengyuan Carpet Group in Xining, Qinghai Province, received 8 million yuan in fixed asset loans to introduce advanced intelligent production equipment, significantly improving production efficiency and product quality [2] Group 2 - In the first half of the year, China's social financing scale exceeded 430 trillion yuan, with new loans nearing 13 trillion yuan, creating a favorable monetary environment for economic recovery [2] - The China Bank's Shaanxi branch introduced 16 measures to support technological innovation, including R&D loans and incubation loans, with R&D loans extending up to 10 years [2] - Financial support for key sectors such as advanced manufacturing, technological innovation, and private economy has seen rapid growth, with the establishment of government industry funds in Pinghu City to alleviate financing difficulties [3] Group 3 - The National Development and Reform Commission, along with the Ministry of Finance, allocated 69 billion yuan in special bonds to support the consumption of old goods, promoting positive outcomes in the replacement of consumer goods [3] - Retail sales of consumer goods increased by 5% year-on-year, with significant growth in categories such as home appliances and automobiles, driven by the consumption stimulus [3] - The People's Bank of China plans to implement a moderately loose monetary policy to enhance the quality and efficiency of financial services for the real economy [4]