□ 本报记者 詹 超 【观察】 "十四五"时期，我国通过设立和优化结构性货币政策工具，不断引导金融资源更多流向科技 创新、绿色发展、提振消费等重点领域。在江苏，支持性的货币政策为经济社会高质量发展提供了充沛 的源头活水，支农支小再贷款和再贴现、科技创新和技术改造再贷款、普惠小微贷款支持工具、碳减排 支持工具等结构性货币政策工具使用量均位居全国前列。 近年来，江苏按照"政策牵引+创新驱动"思路，以金融增量政策激励引导金融机构急企业所急、想企业 所想，更好满足企业合理资金需求。通过实施结构性货币政策工具1+X杠杆行动，省市两级共推出"苏 创融""苏碳融"等39种政银合作产品，引导金融资金有效投向科创、绿色、普惠、养老等关键领域。资 本市场工具也在同步发力，华泰证券中标第二批证券、基金、保险公司互换便利，省内70家上市公司申 请股票回购增持贷款，金额达137亿元，为资本市场稳定运行增添信心。 科创企业搞研发攻关需要长期资金支持，绿色产业转型升级需要金融杠杆来撬动，中小微企业稳健经营 也需要资金活水来滋养。货币政策结构引导作用发挥得越充分，信贷资源激发市场活力、推动产业升 级、培育发展动能的成效也就越明显。金融怀着更 ...

创新之火，需金融之薪。然而科技创新通常风险高、变数多，于银行而言评估难、担保弱。传统授信模 式对此难以适应。 破题之道，在于实践。江苏省区域创新能力位居全国前列，近日，《每日经济新闻》记者走访江苏。 这里的探索，不再纠结于抵押物，而是用"苏创积分"为创新"画像"；这里的实践，不再满足于单一信 贷，而是构建了从技术转化到数字赋能的"生态雨林"。 创设产品："苏创积分贷"助企业发展 "这个是核磁共振波谱仪，解析分子结构的。"透过玻璃，工作人员指着实验室内一个比人还高的银色钢 罐介绍道。 走进南京生物医药谷的全国高校生物医药区域技术转移转化中心（江苏南京）（以下简称南京生物医药 分中心）大楼，仿佛步入一个集成多所高校实验室的科研综合体。 走廊一侧，各实验室门外标注着来自不同高校教师的孵化项目——上海交通大学路慧丽副研究员的细胞 因子药物项目实验室，紧邻的是中国药科大学郭青龙教授团队黄芩素外用制剂项目实验室。 "生物医药（产业）对资金的需求量大，而且需要连续不断支持。中间任何一个环节出问题，可能整个 项目都走不下去了。"南京生物医药分中心副主任吴昊告诉记者，该平台专门从事高校科研成果转化。 针对高校生物医药转化项目普 ...

Group 1 - The world's first salmon farming vessel, "Suhai No. 1," has been officially delivered, showcasing the complexity and innovation in its construction, supported by a 760 million yuan credit facility from Jiangsu Bank [1] - The vessel is expected to produce 8,000 tons of salmon annually and can deliver products to major domestic markets within 24 hours [1] - Jiangsu Bank's public loan balance reached 1.625 trillion yuan by June 2025, reflecting a 23.3% increase from the previous year, indicating its commitment to supporting the real economy [1] Group 2 - Jiangsu Bank is leveraging "industrial chain finance" to enhance the stability and resilience of the real economy, connecting upstream and downstream enterprises through digital platforms [2] - The "Suyin e-chain" platform allows downstream SMEs to obtain installment financing, alleviating their procurement pressure and improving cash flow for core enterprises [2] - By June 2025, Jiangsu Bank's supply chain financing scale exceeded 380 billion yuan, demonstrating its effective service to key industries such as steel, machinery, and petrochemicals [2] Group 3 - Jiangsu Bank integrates green finance principles into its lending decisions, promoting low-carbon and circular upgrades in industries [3] - The transformation of the former mining site at Pan'an Lake into a wetland is supported by a 240 million yuan credit from Jiangsu Bank, balancing environmental restoration with tourism development [3] - By June 2025, the bank's green financing balance surpassed 720 billion yuan, with a growth rate of 32.1% compared to the previous year [3] Group 4 - Jiangsu Bank has developed a financial service system for high-energy and high-emission enterprises, offering green support to industries like steel and cement [4] - The "green factory loan" links loan rates to the green factory certification and ESG performance, incentivizing companies to improve their sustainability practices [4] - Jiangsu Bank was elected as the only domestic bank on the UNEP FI Banking Board for the East Asia region, highlighting its commitment to green finance [4] Group 5 - Jiangsu Bank is transforming into a comprehensive financial service hub, enhancing its service quality to the real economy through innovative reforms [5] Group 6 - The bank is building a science and technology financial service ecosystem by connecting government, research institutions, and industrial parks, facilitating policy and resource integration [6] - Initiatives like "Sukedai" and "Talent Loan" are aimed at addressing the financing challenges faced by small and innovative enterprises [6] - Jiangsu Bank's revenue reached 44.864 billion yuan and net profit was 20.238 billion yuan in the first half of 2025, with a non-performing loan ratio of 0.84%, indicating improved asset quality [6] Group 7 - Jiangsu Bank is committed to deepening structural reforms in financial supply, focusing on technology finance, green finance, inclusive finance, and industrial chain finance to support high-quality development of the real economy [7]

Financial Overview - As of June 30, the total balance of financial institutions' loans in Jiangsu Province reached 28.09 trillion yuan, a year-on-year increase of 9.8% [1] - New loans added amounted to 2.09 trillion yuan, which is 152.9 billion yuan more than the previous year [1] - The total social financing scale increased by 2.63 trillion yuan, up by 434.4 billion yuan year-on-year [1] - Jiangsu continues to lead the nation in both new loans and social financing scale increments [1] Manufacturing Sector Support - Jiangsu's manufacturing sector is crucial for economic resilience and innovation, with medium to long-term loans in this sector growing by 15.1%, outpacing overall loan growth by 5.3 percentage points [2] - The Industrial and Commercial Bank of China provided a 2.2 billion yuan syndicated loan for a major project in the new materials industry, highlighting the financial sector's support for manufacturing [2] Financial Products for Innovation - Diverse financial products such as "Talent Loans," "Achievement Transformation Loans," and "Specialized and New Loans" are being developed to meet the financing needs of technology enterprises [3] - The "Su Chuang Rong" initiative enhances financial support for key areas like technology transformation and equipment upgrades [3] - By July 25, Jiangsu had issued 240.4 billion yuan in technology innovation bonds, indicating strong market engagement [3] Agricultural Financing - The "Su Nong Grain Trade Loan" provided credit support to grain purchasing enterprises, addressing seasonal funding needs without requiring collateral [4] - By mid-year, the loan balance for key agricultural sectors reached 1.01 trillion yuan, reflecting a 19% year-on-year increase [4] Consumer Market Activation - The Jiangsu banking sector has actively supported the agricultural economy, with over 1.2 billion yuan in loans directed towards various agricultural projects [6] - The People's Bank of China and other departments have introduced measures to boost consumer spending, including a 500 billion yuan incentive for service consumption and the elderly care sector [7] - Banks are expanding their consumer loan offerings into new consumption areas, enhancing digital capabilities to meet evolving market demands [7]

Group 1 - The core viewpoint of the articles emphasizes the acceleration of financial support for technology innovation and transformation in Jiangsu province, aiming to enhance the integration of technology, industry, and finance to build a high-quality technology-driven economy [1][2]. - The People's Bank of China established a re-loan program for technological innovation and equipment upgrades, which has led to financial institutions in Jiangsu providing loans totaling 73.851 billion yuan to eligible enterprises by the end of March this year [1]. - The "Su Chuang Rong" financial product was created to address the financing difficulties faced by technology-based small and medium-sized enterprises (SMEs), resulting in over 68,000 such enterprises receiving loans amounting to 324.7 billion yuan by the end of March [2]. Group 2 - Jiangsu Bank reported a significant increase in technology loans, with a balance exceeding 260 billion yuan, doubling in the past three years [3]. - The bank has developed a comprehensive service matrix for technology enterprises, including innovative products such as "Achievement Transformation Loan" and "Integration Loan," which cater to various stages of technology enterprises' financial needs [3]. - The "Su Chuang Credit Loan" product quantifies and categorizes the technological innovation capabilities of enterprises, enabling banks to provide tailored financing support [2].

Core Insights - Jiangsu Province's financial performance in Q1 2025 remains strong, leading the nation in new loans and social financing scale [1][3] - The average interest rates for newly issued enterprise loans and inclusive microloans are at historical lows as of March [4] Financial Performance - Jiangsu's total financial balance reached 27.59 trillion yuan, with a year-on-year growth of 10.1%, surpassing the national growth rate by 3.2 percentage points [3] - New loans in Q1 amounted to 1.58 trillion yuan, an increase of 164.2 billion yuan year-on-year [3] - Government bond financing increased by 270.7 billion yuan in Q1, a year-on-year increase of 198.3 billion yuan [3] - The total social financing scale increased by 2.06 trillion yuan, up 252.8 billion yuan year-on-year [3] Loan Structure and Support - Financial support for key sectors has intensified, with medium to long-term loans for manufacturing growing by 12.8% year-on-year, outpacing overall loan growth by 2.7 percentage points [3] - Loans for scientific research and technical services surged by 33.7%, the highest growth rate among all sectors [4] - Green loans increased by 594.5 billion yuan since the beginning of the year [4] - Loans to small and micro enterprises (with credit under 10 million yuan) grew by 22.9%, exceeding overall loan growth by 12.8 percentage points [4] Interest Rates and Financing Costs - The average interest rates for newly issued small and micro loans were 3.26% and 3.43%, reflecting year-on-year declines of 0.5% and 0.47% respectively [4] - The overall financing cost index for enterprises was at 42%, and the bank loan interest rate index was at 39.5%, both indicating a downward trend [4] Innovation and Technology Financing - The "Su Chuang Credit Loan" program has issued a total of 209.2 billion yuan, supporting technology-driven enterprises [5] - The "Su Chuang Rong" product has facilitated loans of 324.7 billion yuan to over 68,000 technology-based SMEs [5] - The establishment of the Nanjing Science and Technology Financial Reform Pilot Zone aims to enhance financial services for innovation [6]