"苏科贷"是江苏省专为科技型中小微企业量身打造的政策性贷款产品，具有低门槛、低成本及风险共担 的优势。其在洪泽的成功破冰，不仅是洪泽农商银行金融"顾问式"服务的生动实践，也标志着洪泽区在 金融精准赋能科技创新领域取得了重要突破。据悉，该产品的推广应用，预计将为洪泽区内超过500户 涵盖各行业的科技型企业带来强劲的金融支持。 下一步，洪泽农商银行将配合区数据局营商部门，持续深化金融"顾问式"服务，延伸服务链条，优化服 务举措。该行将聚焦科创企业全生命周期发展需求，深耕科技金融领域，推动"苏科贷"等特色产品扩面 提质，以专业金融服务护航企业纾困解难、发展壮大，全力赋能区域实体经济高质量发展。丁磊秦伟 日前，洪泽农商银行成功为江苏玖兴科技有限公司发放1500万元"苏科贷"，实现了该政策性金融产品在 洪泽区域的首笔落地，以金融"活水"精准滋养科创企业成长。 为破解科技型企业融资难、政策衔接不畅等发展瓶颈，洪泽农商银行在区数据局营商部门的指导下，积 极推行金融"顾问式"服务。该模式以"精准对接、专业指导、全程陪伴"为核心，组建专业顾问团队，运 用"数据分析＋精准名单＋网格走访"工作法，主动下沉一线，为企业提供"一对一" ...

Core Viewpoint - The newly revised "Jiangsu Province Regulation on Promoting the Transformation of Scientific and Technological Achievements" aims to address the challenges in the transformation of scientific achievements through institutional innovation, empowering researchers and encouraging enterprises to engage in technology transfer [1][3]. Group 1: Challenges in Technology Transfer - Long-standing barriers in the transformation of scientific achievements include reluctance from researchers due to fear of responsibility and loss of benefits, unclear ownership and pathways from academic institutions, and high risks with insufficient guarantees for enterprises [2]. Group 2: Institutional Innovations - The revised regulation introduces a clear and actionable "Jiangsu Plan" to tackle these issues, marking the first time in national regulations that it mandates the reform of ownership rights for job-related scientific achievements in universities and research institutions [3]. - The regulation allows holders of scientific achievements to independently decide on asset evaluation and outlines three transformation models: "joint implementation," "transfer of rights," and "negotiated transformation" [3]. Group 3: Empowerment and Incentives - The regulation specifies that ownership or long-term usage rights can be granted to the achievers of job-related scientific results, while a negative list excludes results related to national interests and major public benefits from this empowerment [4]. - To encourage innovation and mitigate risks, the regulation provides a "safe harbor" for researchers, ensuring that those who act in good faith and do not seek personal gain are not held accountable for decision-making errors [4]. Group 4: Financial Support and Collaboration - The regulation emphasizes the need for a collaborative ecosystem for technology transfer, enhancing support systems, talent development, and financial backing [7]. - Financial mechanisms include a 1.5 billion yuan annual special fund for mid-term trials and incubations, as well as insurance products to cover research losses and transfer costs [8]. Group 5: Broader Policy Framework - The regulation is part of a broader set of policies aimed at fostering innovation, including the establishment of a six-tier cultivation system for technology enterprises and a focus on collaborative research and development [10][11]. - The overall goal is to create a supportive environment for innovation, with specific targets for the number of high-tech enterprises and funding for research initiatives by 2027 [10].

Core Viewpoint - Jiangsu Province has achieved significant financial milestones during the "14th Five-Year Plan" period, focusing on supporting the real economy while ensuring financial safety and stability [1][2]. Financial Performance - Jiangsu has maintained the highest new loan volume in the country for four consecutive years, with a total RMB loan balance reaching 28.25 trillion by the end of 2025, reflecting an average annual growth of 12.8% from 2021 to 2025 [3][8]. - The province's social financing scale has consistently ranked among the top in the nation, with an average annual increase of RMB 3.35 trillion from 2021 to 2024 [3]. Support for Real Economy - Jiangsu has introduced 20 policies to enhance financial support for high-quality development of the real economy, including various financial products like "Small Micro Loans" and "Sutong Loans" [2]. - The province has established a comprehensive government financing guarantee system, with the balance of financing guarantees exceeding RMB 1.16 trillion [2]. Capital Market Development - During the "14th Five-Year Plan," Jiangsu has seen the addition of 259 new domestic listed companies, leading the nation, with total direct financing reaching RMB 6.97 trillion, a 61.95% increase from the previous five-year period [6][7]. - The number of companies with a market value exceeding RMB 100 billion has expanded to 11, with three technology companies achieving this milestone [7]. Private Sector Support - Jiangsu has prioritized the development of the private economy, with 226 new private companies listed domestically, accounting for over 87% of new listings [8]. - The average interest rate for new loans to private enterprises is at a historical low of 3.25%, with a total loan balance for private enterprises around RMB 8 trillion [8]. Financial Innovation and Reform - The province has established a modern financial system, including the formation of Jiangsu Rural Commercial Bank and the first public fund management company in the region [5]. - Jiangsu has implemented various financial reforms and innovations, including over 200 new financial products tailored for technology and innovation [5].

该行聚焦"专精特新"企业"轻资产、高成长"特点，创新打造"江南科贷"服务品牌，构建覆盖企业全生命 周期的产品体系，并与地方科技、工信等部门深化党建共建，强化合作培育创新主体。 为提升服务精准性，该行建立专项团队管理模式，实施差异化贷款定价以降低企业融资成本，并借助大 数据风控模型，弱化对财务指标的依赖，更注重企业科创能力与前景，实现精准授信。 同时，银行积极创新服务模式：推出"龙城科易通"等线上化贷款产品，引入人才、知识产权等多维评 价；深化"政银担"协作，推广"苏科贷"等专项产品；并与创投、券商等机构合作，探索投贷联动，满足 企业多元化融资需求。 日前，全国地方金融第二十九次合作交流大会在安徽省滁州市来安县举行。本次大会以"产才融合.金融 赋能高质量发展"为核心主题，汇聚了国内知名专家学者、全国中小商业银行及地方金融组织等机构代 表。江南农村商业银行凭借在支持"专精特新"企业发展领域的卓越表现，成功斩获"十佳支持'专精特 新'竞争力银行"称号。 此次荣获"十佳支持'专精特新'竞争力银行"称号，既是对该行深耕科技金融、助力实体经济的高度认 可，更是多年来以金融创新破解企业发展难题、推动产业升级的生动写照。未来 ...

Group 1 - The core viewpoint of the articles emphasizes that Danyang Rural Commercial Bank is actively supporting rural development through various financial services and products tailored for agriculture and rural areas [1][2] Group 2 - The bank has increased its agricultural loans, reaching a balance of 15.886 billion yuan by the end of November 2025, providing financial services to 164 village-level collective economic organizations [1] - Danyang Rural Commercial Bank has integrated party building with rural governance by signing co-construction agreements with 12 town (district) party committees and dispatching 12 cadres and 120 employees to participate in rural revitalization and housing renovation [1] - The bank has launched a grid-based marketing pilot in the second quarter of 2025, enhancing service precision by organizing information and customer screening through grassroots party branches and administrative villages [1] - The bank is exploring a sustainable rural financial development path through an integrated online and offline inclusive financial service network, focusing on local特色 agriculture to optimize service plans [2]

"合同能源管理贷"等产品成亮点 江南时报讯 丹阳农商银行坚定践行绿色发展理念，将绿色金融作为重要发展战略，通过扩大转型 金融覆盖面、创新绿色金融产品与服务，持续引导资金流向绿色低碳领域。在支持"三农"绿色发展和智 能制造、节能环保、清洁能源等重点产业的过程中，该行不断探索金融助力生态优先、节约集约、绿色 低碳发展的有效路径。 产品创新是丹阳农商银行绿色金融工作的亮点。该行通过"苏科贷"、"合同能源管理贷款"等产品，与江 苏省普惠金融发展风险补偿基金、省信保集团等建立风险分担机制。其中，合同能源管理贷款是该行基 于人民银行动产融资统一登记平台，以节能服务合同项下的未来收益权作质押，为节能服务公司提供的 贷款。这一产品成功解决了光伏科技型小微企业的首贷难题。 扩大覆盖面： 未来规划： 绿色信贷精准滴灌重点领域 丹阳农商银行积极落实"投向绿色、授信绿色、渠道绿色、服务绿色"的发展思路，持续加大绿色信贷投 放。截至10月末，该行绿色信贷客户达17户，余额2.83亿元，较年初增长71.16%，占各项贷款比重 0.69%。从结构上看，环境保护产业贷款5925万元，资源循环利用产业贷款5329万元，生态保护修复和 利用贷款 ...

Core Insights - The article highlights the proactive role of Hai'an Rural Commercial Bank in supporting technology-driven enterprises, showcasing its innovative financial services tailored to the needs of high-tech companies [1][2][3]. Group 1: Financial Support and Growth - Hai'an Rural Commercial Bank provided a loan of 10 million yuan to Nantong Sifang New Materials Co., Ltd., which has grown from a 30 million yuan output to 280 million yuan, demonstrating the bank's commitment to nurturing local tech enterprises [1]. - The bank has supported 547 technology-based enterprises, with a total credit loan balance of 9.566 billion yuan, reflecting its significant impact on the local tech ecosystem [2]. Group 2: Innovative Credit Assessment - The bank has established a new evaluation system that shifts focus from traditional asset-based assessments to evaluating future value and core capabilities of enterprises, allowing for more flexible credit support [2]. - This new model emphasizes the importance of intellectual property and cash flow over fixed assets, enabling tech companies to secure funding based on their innovation potential [2][3]. Group 3: Specialized Service Mechanisms - Hai'an Rural Commercial Bank has implemented a "six-special" mechanism to create a specialized service team for tech enterprises, ensuring tailored financial solutions [4]. - The bank launched Jiangsu's first financial service standard for tech enterprises, which aims to standardize and enhance service quality and efficiency [5]. Group 4: Comprehensive Product Offerings - The bank has developed a diverse product matrix that addresses the financial needs of tech enterprises at different growth stages, from startup loans to specialized financing for mature companies [6]. - Specific products include "Tech Innovation Loans" and "Talent Loans," designed to support various aspects of enterprise development [6]. Group 5: Ecosystem Building and Collaboration - Hai'an Rural Commercial Bank positions itself as a resource connector, collaborating with government and industry bodies to enhance support for tech enterprises [7]. - The bank has implemented differentiated interest rates for tech companies, resulting in a 70 basis point reduction in average loan rates compared to the previous year, thereby reducing financing costs for businesses [7].

通讯员 发改萱扬州市新闻传媒中心记者 默然 中小微企业，是产业科创名城的重要生态和高质量就业的根基，其贷款难、贷款贵一直备受关注。为进 一步优化中小微企业融资环境，做好普惠金融大文章，改善中小微企业融资环境，更好服务实体经济， 近日，市发改委等部门联合出台《扬州市支持中小微企业融资10条措施》，从扩大融资供给、降低融资 成本、优化融资机制三大方面破解融资难、融资贵问题。 "首先是通过政府性融资担保增信，构建多层次风险担保机制。"扬州金融监管局相关负责人说，将强化 政府性融资担保机构准公共服务定位，聚焦主责主业，加强中小微企业增信融资服务，持续做好降费让 利，政府性融资担保费率不超过1%。深化政银担联动，优化风险分担机制，加强与国家融资担保基 金、省级政府性再担保机构的多级联动，构建多层次风险担保机制。在省财政对增加资本金的政府性融 资担保机构给予增资部分2%奖励的基础上，市财政予以配套，鼓励政府性融资担保机构做大做强。 "其次，进一步统筹用好风险补偿及财政贴息政策。"该负责人说，将发挥扬州市级普惠金融风险补偿资 金池作用，支持"苏科贷""扬创贷""富民创业担保贷""小微贷"等省市普惠金融产品，助力创业群体、小 ...

Core Insights - The article emphasizes the importance of small and micro enterprises as a driving force for economic development, job creation, and improving livelihoods, highlighting the efforts of Agricultural Bank of China in Jiangsu Suzhou to support these enterprises through enhanced financial services and innovative products [1] Group 1: Financial Support for Small and Micro Enterprises - Agricultural Bank of China in Jiangsu Suzhou has implemented a financing coordination mechanism to assist small and micro enterprises, optimizing service paths and innovating product systems to stimulate regional economic growth [1] - The bank has developed a financial service system for technology-driven small enterprises, addressing their unique challenges such as lack of traditional collateral and long R&D cycles, exemplified by a case where a company received a 5 million yuan "Kejie Loan" within ten days [2] Group 2: Empowering Traditional Industries - Traditional industries, such as the wool sweater market in Suzhou, are adapting to consumer demands by investing in production line upgrades and diversifying product offerings, while facing financing challenges due to insufficient collateral [3] - The bank utilizes digital technologies like big data and AI to evaluate small enterprises comprehensively, offering tailored financial products such as "Tax e-loan" and "Micro Loan" to support the wool sweater industry [3] Group 3: Collaborative Financial Services - The bank has established a collaborative service mechanism involving chambers of commerce and enterprises to broaden the reach of inclusive finance, creating a diverse service network [4] - By leveraging the role of chambers of commerce, the bank has developed a progressive service path for enterprises, from potential clients to loyal partners, simplifying processes and enhancing credit access for small businesses [4]

Core Viewpoint - The People's Bank of China Jiangsu Branch and Jiangsu Federation of Industry and Commerce announced that Zijin Rural Commercial Bank was awarded the title of "Most Satisfied Bank for Private Enterprises" in Nanjing, highlighting its exceptional performance in financial services for private enterprises [1] Group 1: Service Mechanisms - The bank has integrated private enterprise loan issuance into its overall performance assessment system, increasing the weight of private loans in evaluations to ensure precise implementation at the branch and customer manager levels [2] - A "small and scattered" empowerment mechanism has been introduced, managing non-large loans through a list system to stimulate service vitality [2] - The bank has simplified the approval process for loans under 10 million yuan and expanded the whitelist, exploring online renewal of credit [2] Group 2: Product Innovation - The bank has upgraded traditional and specialized products, focusing on technology-oriented private enterprises and extending the credit period for mortgage loans [3] - New products like "Sutong Carbon Loan" and "Specialized and Innovative Insurance" have been introduced, exploring pledges based on intellectual property and carbon emission quotas [3] - The bank has launched credit products like "Zixin Loan" and "Suxin Loan" to support private enterprises, enhancing financing efficiency across the supply chain [3] Group 3: Technological Empowerment - The bank has developed a mobile version of "Tongshang e-loan," facilitating loan applications through various digital platforms, achieving 1.22 billion yuan in loans to 465 clients by the end of Q1 [4] - The "Inclusive Exhibition Platform" has granted credit to over 7,800 clients, totaling more than 4.8 billion yuan [4] - A systematic approach to client visits has been established, with 11,000 clients visited in Q1 to enhance service delivery to private enterprises [4]