在深圳能源东部电厂二期这一深圳市"十四五"规划重点工程中，深圳分行累计提供碳减排项目贷款20亿 元，支持国际领先的H级燃气-蒸汽联合循环技术落地，项目投产后，年发电量达44.38亿千瓦时，有力 推动深圳能源结构绿色转型。面对深圳（东部）人工智能产业公共服务平台建设的紧迫需求，分行开辟 绿色通道，仅用两周时间完成5亿元固定资产贷款投放，为智能网联汽车与具身机器人两大人工智能核 心产业发展提供10000P算力支撑，助力深圳抢占人工智能创新高地。 以普惠滴灌小微企业激活市场新活力 转自：新华财经 深圳，中国经济特区的叙事起点，改革开放的时代地标。今年是深圳经济特区成立45周年，这座城市酝 酿出一个"冰消雪融的春天"，为中国改革开放"种"出了硕果累累的试验田。 作为全国首批股份制商业银行，广发银行与特区同呼吸、共成长，1993年在深圳扎根以来，始终以金融 活水浇灌城市发展沃土，从罗湖东门单一网点发展为42家分支机构覆盖全市、资产规模突破2200亿元的 金融力量，成为粤港澳大湾区高质量发展的坚实伙伴。32年间，广发银行深圳分行以"敢闯敢试、敢为 人先、埋头苦干"的特区精神为指引，创新驱动、服务实体、普惠民生，为深圳特区 ...

深圳，中国经济特区的叙事起点，改革开放的时代地标。今年是深圳经济特区成立45周年，这座城市酝 酿出一个"冰消雪融的春天"，为中国改革开放"种"出了硕果累累的试验田。 作为全国首批股份制商业银行，广发银行与特区同呼吸、共成长，1993年在深圳扎根以来，始终以金融 活水浇灌城市发展沃土，从罗湖东门单一网点发展为42家分支机构覆盖全市、资产规模突破2200亿元的 金融力量，成为粤港澳大湾区高质量发展的坚实伙伴。32年间，广发银行深圳分行以"敢闯敢试、敢为 人先、埋头苦干"的特区精神为指引，创新驱动、服务实体、普惠民生，为深圳特区的蓬勃发展注入澎 湃动能，奋力续写新时代"春天的故事"。 以金融之力护航产业升级 赋能城市高质量发展 在深圳特区"一张蓝图绘到底"的发展历程中，广发银行深圳分行始终与城市同频共振，与当地10家世界 500强企业、近40家中国500强企业建立深度合作关系，持续聚焦城市基建与产业升级重点领域，以精准 金融服务为高质量发展注入动能。 培育未来新引擎 深圳是一座活力四射的创新之城，近年来，一批具有国际竞争力的创新型龙头企业迅速崛起，一批高成 长性的科技创新企业不断涌现。广发银行深圳分行以"货币政策工 ...

从滩涂渔火到万家灯火，从边陲小镇到国际都市，深圳用45年时间书写了中国改革开放的"奇迹样 本"。中国人寿深刻认识深圳在国家改革开放大局中的定位和作用，以实际行动服务国家战略落地。从 精准滴灌实体经济到完善社会保障体系，从创新赋能科创高地到守护绿色生态家园，无数国寿人正 以"闯"的精神、"创"的劲头和"干"的作风，护航鹏城接续书写着新时代"春天的故事"。 保活力——"深圳的土特产是企业家" 深圳是中小微企业最活跃的城市，2024年全市平均每月新增经营主体近5万户。然而中小微企业往 往受限于规模小、信用记录不完善、抵押物不足等困境，融资难题像"紧箍咒"制约其发展，招人留人有 较大难度。 如何让这片沃土上的民营企业和小微企业吃下"定心丸"，让这座"民营经济第一城"跑得更快？中国 人寿充分发挥综合金融优势，优化产品服务供给，从风险保障、投资支持、融资服务等方面多措并举， 支持小微企业发展。 中国人寿集团旗下寿险深圳分公司运用市场大数据精准细分产业风险图谱总结提炼产业共性风险， 创新打造"团单八大保"，推出工业保、交通保、商铺保、专精特新保、科技保等系列产品，为制造业、 新能源、生物医药等特区支柱和新兴领域的企业量身定 ...

2025年，深圳经济特区迎来成立45周年。从边陲小镇到创新高地，金融力量始终是重要支撑。 率先完善总分支科技金融组织体系。总行层面设立科技金融中心，统筹科技金融战略规划和业务发展； 深圳等重点分行设立科技金融分中心，认证了一批科技特色支行及专业团队，形成"总-分-支"三级联动 的组织架构。 针对科技企业"高技术、高风险、轻资产"的特点，平安银行还在持续迭代科技金融产品。一方面，创新 推出"科技企业打分卡"，从科创能力、科技资质、发展质量、偿债能力四个维度进行综合评估，突破行 业评价、弱化评级要求；另一方面，打造"腾飞贷""上市贷"等拳头产品，其中"腾飞贷"通过贷款利率挂 钩企业营收增长率的模式实现银企发展成果共享，是在深圳人行指导下创新推出的地方性特色试点产 品，并荣获2024年度深圳金融支持经济高质量发展十大案例。 从初创期的信用贷款到成长期的上市辅导，从跨境服务到产业链整合阶段的并购支持……平安银行 用"接力式融资"陪伴XWD等科技企业走过全生命周期。截至2025年3月，平安银行在电子信息、新能 源、新经济、医疗健康等战略性新兴产业和科技创新重点领域的信贷投放持续加码，全生命周期陪伴深 圳创新企业"从幼苗 ...

Core Viewpoint - The recent Central Political Bureau meeting emphasized the need for deepening reforms and leveraging technological innovation to drive new productive forces, with a focus on fostering internationally competitive emerging pillar industries [1] Group 1: Financial Support for Technological Innovation - The banking industry is enhancing financial support for technological innovation, aiming to provide comprehensive financial services for key aspects such as R&D and results transformation [2] - Banks are restructuring their internal organizations to establish coordination mechanisms for technology finance, enhancing collaboration across departments [2] - A differentiated risk assessment system is being developed by banks to focus on technological innovation elements, improving risk management capabilities [3] Group 2: Service Efficiency and Digital Transformation - The banking sector is advancing digital empowerment by utilizing big data and artificial intelligence to transition financial services for tech enterprises towards digital and intelligent processes [3] - By integrating various data sources, banks are creating precise enterprise profiles to improve risk assessment and service efficiency [3] Group 3: Focus on Emerging Pillar Industries - The banking industry is extending financial support to emerging pillar industries, facilitating the transformation of technological innovations into productive forces [5] - Banks are designing specialized financial products to inject strong funding into internationally competitive emerging industries, aligning with national industrial development strategies [5] Group 4: Case Studies of Financial Support - Industrial upgrades are being supported by banks, such as the example of a drone company in Shenzhen receiving a 10 million yuan loan to alleviate liquidity pressures during critical R&D phases [6] - Another case involves a technology company in Suzhou receiving a 20 million yuan credit loan without collateral, enabling it to expand its R&D team and accelerate product iteration [6] Group 5: Recommendations for Financial Product Development - Banks are advised to focus on developing customized financial products for emerging pillar industries, including technology bonds and asset securitization [7] - Emphasis is placed on promoting financial products that leverage "soft assets" like intellectual property pledges and accounts receivable [7] - The use of syndicate loans, acquisition loans, and project financing is recommended to support enterprises in utilizing both domestic and international markets [7]

Core Viewpoint - The recent Central Political Bureau meeting emphasized the need to deepen reforms and leverage technological innovation to drive new productive forces, aiming to cultivate internationally competitive emerging pillar industries and promote the integration of technological and industrial innovation [1] Group 1: Financial Support for Technological Innovation - The banking industry is enhancing financial support for technological innovation, focusing on providing comprehensive financial services for key aspects such as R&D and results transformation [2] - Banks are restructuring their internal organizations to establish coordination mechanisms for technology finance, enhancing collaboration across departments [2] - Specialized financial centers are being set up in regions with concentrated technological resources, such as CITIC Bank's establishment of technology finance centers in its headquarters and 12 branches [2] Group 2: Risk Management and Digital Empowerment - Banks are developing differentiated evaluation systems to assess risks associated with technological innovation, with China Bank implementing specialized risk management policies [3] - The banking sector is advancing digital transformation by utilizing big data and AI to improve service efficiency and quality, addressing issues like information asymmetry and low approval efficiency in traditional credit models [3] Group 3: Supporting Emerging Pillar Industries - The banking industry is extending financial support to emerging pillar industries, focusing on the transformation of technological innovation into industrial applications [5] - Banks are designing specialized financial products to inject strong financial support into emerging industries, responding to national industrial development strategies [5] Group 4: Case Studies of Financial Support - A drone company received a 10 million yuan, 2-year loan from Industrial Bank's Shenzhen branch to alleviate liquidity pressure during critical technology development phases [6] - SPD Bank's Suzhou branch created a "5+7+X" product system to cover the entire lifecycle needs of tech companies, providing a 20 million yuan, 3-year credit loan to a tech firm without collateral [6] Group 5: Recommendations for Financial Product Development - Banks are advised to focus on developing customized financial products for emerging pillar industries, including technology-specific financial products and promoting asset-backed financing [7] - The use of syndicate loans, acquisition loans, and project financing is recommended to help companies leverage both domestic and international markets [7] - The banking sector's focus on innovative financial products aims to resolve funding bottlenecks in emerging industries, supporting their growth and technological advancements [7]

Core Insights - Shenzhen has established itself as a pioneer in financial innovation, particularly in supporting small and micro enterprises and technology companies through various financial products and services [1][2]. Group 1: Financial Products and Services - WeBank, as China's first internet private bank, has been instrumental in providing digital financing solutions such as science and technology loans, intellectual property pledge loans, and guarantee loans, effectively addressing the financing challenges faced by tech enterprises [1][2]. - The "Tengfei Loan" model allows companies to secure medium to long-term low-cost loans without diluting equity, thus supporting their growth without compromising ownership [3]. - The "Science and Technology Initial Access" product has generated over 20,000 profiles for tech companies, facilitating financing for more than 2,200 enterprises [3]. Group 2: Impact and Reach - As of June, WeBank's technology finance services have expanded to 26 provinces and over 280 cities, with its science and technology loan products attracting over 600,000 applications, representing 22% of the total tech enterprises in those regions [2]. - In the first half of the year, 102 companies signed contracts for the "Tengfei Loan," amounting to 360 million yuan, while the "Science and Technology Initial Access" helped 3,761 companies secure loans totaling 4.84 billion yuan [3]. Group 3: Investment and Support - Shenzhen's state-owned enterprises have developed a comprehensive financial ecosystem, creating over 500 funds with a total scale exceeding 700 billion yuan, focusing on strategic emerging industries and future sectors [4]. - The establishment of angel funds and seed funds aims to address the financing difficulties of early-stage tech companies, with over 80 sub-funds set up and nearly 15 billion yuan invested in early projects, resulting in over 200 potential unicorns [4].

Core Viewpoint - The article emphasizes the need for high-level technological self-reliance and strong financial support for innovation, as outlined in the recent policy measures issued by multiple government departments, including the Ministry of Science and Technology and the People's Bank of China [1][3]. Financial Support for Technological Innovation - China Life Insurance actively responds to the policy by leveraging its comprehensive financial services across insurance, investment, and banking sectors to support technological innovation [1][3]. - The insurance sector has seen a significant increase in coverage for strategic emerging industries, with a year-on-year growth of over 181% in insurance coverage for specialized "little giant" enterprises [3]. - The banking sector has provided substantial loans, with Guangfa Bank's loans to technology enterprises exceeding 253.5 billion yuan [3]. Insurance Product Innovation - China Life has developed over 200 technology insurance products, including the first "Laboratory All-Risk Insurance" in the country, to provide comprehensive risk coverage for research and development activities [5][7]. - The company has introduced various innovative insurance products aimed at protecting intellectual property and providing financial support for technology enterprises [5][7]. Credit Support for Technology Enterprises - Guangfa Bank has tailored financial products to meet the unique needs of technology enterprises, particularly those in the early and growth stages, by offering small, short-term loans without collateral [8][10]. - The bank has successfully provided credit support to high-growth technology companies, such as an 8 million yuan credit line to a unicorn company before it became profitable [10][11]. Investment Strategies - China Life is focusing on strategic investments in emerging industries, utilizing diverse financial tools such as equity investments and asset securitization to support technological innovation [13][14]. - The company has established a 5 billion yuan investment plan to support technology innovation, which has mobilized over 80 billion yuan in social capital for technology enterprises [14][16]. Future Outlook - China Life aims to continue enhancing its financial products and services to foster innovation in the technology sector, contributing to the national strategy for technological self-reliance [17].

Core Insights - The People's Bank of China (Shenzhen Branch) reported a significant increase in both deposits and loans in Shenzhen, with total deposits reaching 14.16 trillion yuan and loans at 9.85 trillion yuan by the end of June 2025, marking increases of nearly 600 billion yuan and over 350 billion yuan respectively [1][2] - Shenzhen has established a credit structure with significant balances in technology and inclusive loans, each reaching 2 trillion yuan, and green and digital economy loans at 1 trillion yuan each, positioning it among the top cities in China [1][3] - The issuance of technology innovation bonds has been notable, with 14 bonds issued totaling over 200 billion yuan, supporting various technology enterprises [2][3] Financial Performance - As of June 2025, the average interest rate for new corporate loans in Shenzhen was 2.85%, a decrease of 0.52 percentage points year-on-year, indicating a low financing cost environment [1][2] - The implementation of a series of monetary policy measures, including a reserve requirement ratio cut that released 61.4 billion yuan into the economy, has bolstered support for the real economy [2][3] Sectoral Focus - The credit allocation in Shenzhen is heavily directed towards key sectors such as technology innovation, inclusive small and micro enterprises, and green development, with technology loans at 2.1 trillion yuan and inclusive loans nearing 2 trillion yuan [3][4] - Green finance initiatives have led to a 25.4% increase in loans for green ports, waterways, and shipbuilding, reflecting a strong commitment to sustainable development [3][4] Cross-Border Finance - Shenzhen has seen a significant increase in cross-border RMB transactions, with a total of 27.63 trillion yuan in cross-border payments in the first half of 2025, a year-on-year growth of 24.3% [4][5] - The "Cross-Border Wealth Management Connect" initiative has attracted approximately 30,000 new individual investors, with total cross-border payment amounts reaching 47.2 billion yuan [5][6] Consumer Trends - Foreign consumer spending in Shenzhen has increased significantly, with non-cash payment transactions reaching 85.88 million and 11.81 billion yuan in the first half of 2025, representing year-on-year growth of 29% and 35% respectively [6][7] - The top three source countries for inbound consumption in Shenzhen are South Korea, the United States, and Singapore, contributing nearly 30% of total consumption [6][7]

Core Viewpoint - The establishment of the Shenzhen Shentou Control Qianfan Qihang AIC Fund, with a scale of 2 billion yuan, marks a significant step in supporting technological innovation and industrial integration in Shenzhen, aligning with the city's "20+8" strategic emerging industries [3][4][6]. Group 1: Fund Establishment and Purpose - The Shenzhen Shentou Control Qianfan Qihang AIC Fund is the first AIC pilot fund in Shenzhen after the expansion of the AIC equity investment pilot business, and it is one of the largest AIC pilot funds within the Agricultural Bank system [3]. - The fund aims to provide long-term and patient capital for technological innovation, focusing on supporting Shenzhen's integration of technology and finance [3][4]. Group 2: Agricultural Bank's Role and Achievements - Agricultural Bank's Shenzhen branch has served 12,000 technology innovation enterprises, with a loan scale exceeding 110 billion yuan, and an increase of over 30 billion yuan in the first half of the year [3][4]. - The bank is committed to enhancing its technology financial services and has established a comprehensive product system to meet the diverse financing needs of technology enterprises [7][9]. Group 3: Industry Support and Future Plans - The fund will focus on key industries such as semiconductors, artificial intelligence, and new energy, with over 30 reserve projects identified [4]. - In 2024, the bank plans to leverage the updated "20+8" industry cluster strategy to enhance its support for industrial upgrades and the establishment of the fund [4]. Group 4: Collaborative Ecosystem - The Agricultural Bank's Shenzhen branch has formed a "融智联盟" (Rongzhi Alliance) with over 80 institutions to promote the integration of innovation, industry, finance, and talent [8]. - This alliance aims to provide comprehensive services from equity financing to IPOs, enhancing the overall ecosystem for technology enterprises [8]. Group 5: Service Quality Enhancement - The bank has implemented a "six-special" mechanism to improve the quality of financial services for technology innovation, with a coverage rate of 80% among key technology enterprises in Shenzhen [9]. - The establishment of specialized technology financial departments in key branches aims to deepen the bank's engagement with technology enterprises and enhance service efficiency [9].