此外，北京持续优化创业投资发展环境。北京市私募股权创业投资基金管理人2063家、基金数量10463 只、资产规模3.79万亿元，均居全国第一。股权投资金额近两年呈现逆势增长。今年前三季度，股权投 资金额1120亿元，同比增长47.9%。 截至8月末，全市科技贷款余额4.2万亿元 报告介绍，北京创新科技信贷机制，丰富企业融资路径。用好科技创新和技术改造再贷款政策。通过强 化部门联动、银企对接和监测督导，累计支持1400多家企业获得贷款近700亿元。 同时，北京创新科技信贷产品。在中关村科创金融服务中心率先试点"并购贷款""科技研发贷款""认股 权贷款"创新业务，累计受理超300亿元。引导银行推出100多款特色产品，知识产权质押贷款余额同比 增长超两成。进一步优化与8只基金"投贷联动"服务模式，已推动12家银行开发专属信贷产品，给予超 150家被投企业授信金额超420亿元，贷款余额104亿元。 11月26日，北京市第十六届人大常委会第二十次会议听取市人民政府关于科技金融工作情况的报告。报 告介绍，北京以建设完善首都科技金融服务体系为核心，统筹推动"政策创新、创业投资、信贷融资、 上市发债、科技保险"等专项工作，不 ...

21世纪经济报道记者 吴霜 11 月 22 日，为凝聚行业智慧、探寻发展新路径，由南方财经全媒体集团指导、21 世纪经济报道主办的 "第二十届 21 世纪金融年会" 在北京盛大召开。中关村银行业务管理部总经理刘亚明代表该行参与 了"金融助力高水平科技自立自强"主题论坛，分享了这家北京唯一民营银行在科技金融领域的深耕经验 与未来规划，展现了其聚焦初创期科创企业、以生态赋能和专业深耕破解融资痛点的独特实践。 作为定位 "创新创业者银行" 的金融机构，中关村银行自 2017 年成立以来，始终扎根北京科创生态，专 注服务最前沿、最早期的高科技企业。刘亚明指出，北京聚集了大量科研院所、国家实验室及高科技企 业，这些初创企业普遍面临 "轻资产""长期融资难" 两大核心痛点，这既是银行服务的难点，也是差异 化竞争的突破口。 在实践中，中关村银行打造了以"认股权贷款"为核心、以"惠创"系列为协同的"1+N"的产品服务体系， 覆盖科创企业从种子期到成熟期的全生命周期。 处于种子期的企业，该行形成了一套以人才评价作为核心的风控策略，叫做"走进实验室、拥抱科学 家",该行尤其重视企业人才的评估和知识产权的积累，推出了线上自动审批的 ...

2025年北京市未来产业公开路演量子专场11月24日在中关村创业大厦举行。华翊量子、未磁科技等8家 量子领域创新企业依次登台展示，与中科创星、同方科创、高精尖基金、策源资本、惠丰达资本、啟赋 资本等投资机构代表深度交流技术突破、场景落地经验，共探产业发展新趋势。此次公开路演致力于打 造涵盖资金、基金、信贷产品、孵化培育于一体的投融资服务平台，不仅为创新企业提供了展示实力的 舞台，更搭建了政企对接、资企合作、产学研融合的长效沟通机制。北京市经济和信息化局也计划通过 公开路演遴选出潜力企业，给予不超过100万元的奖励，推动企业快速发展，为未来产业发展注入新动 力。 破解创新企业融资瓶颈 北京市经济和信息化局科技标准处(人才工作处)处长王晶表示，此次路演聚焦量子信息方向，汇聚8家 量子前沿领域的潜力企业，旨在搭建精准对接桥梁，推动社会资本"投早、投小、投硬科技"，破解创新 企业融资瓶颈。 王晶介绍，未来产业代表着新一轮科技革命和产业变革方向，是经济增长的最活跃力量。北京市率先开 展未来产业前瞻布局，在谋划《"十四五"高精尖产业发展规划》时，将未来产业作为关键一环，提出瞄 准国际前沿抢占产业发展制高点，超前部署一批具 ...

2025年北京市未来产业公开路演量子专场昨日在中关村创业大厦举行。华翊量子、未磁科技等8家量子领域创新企业依次登台展示， 与中科创星、同方科创、高精尖基金、策源资本、惠丰达资本、啟赋资本等投资机构代表深度交流技术突破、场景落地经验，共探产 业发展新趋势。此次公开路演致力于打造涵盖资金、基金、信贷产品、孵化培育于一体的投融资服务平台，不仅为创新企业提供了展 示实力的舞台，更搭建了政企对接、资企合作、产学研融合的长效沟通机制。北京市经济和信息化局也计划通过公开路演遴选出潜力 企业，给予不超过100万元的奖励，推动企业快速发展，为未来产业发展注入新动力。 破解创新企业融资瓶颈 落实未来产业投入增长机制 据了解，本次路演活动属于"创赢未来"项目路演活动系列活动，是北京市经济和信息化局落实未来产业投入增长机制的重要举措，旨 在形成以市场化方式挖掘优质企业、以接力支持方式做强未来产业的产业培育新机制。 王晶介绍，未来产业代表着新一轮科技革命和产业变革方向，是经济增长的最活跃力量。北京市率先开展未来产业前瞻布局，在谋划 《"十四五"高精尖产业发展规划》时，将未来产业作为关键一环，提出瞄准国际前沿抢占产业发展制高点，超前部署 ...

（原标题：对话上海银行郑涵：商业银行须自我革命，从放贷者转向赋能者） 21世纪经济报道：上海银行如何通过转型发展，破解这一金融支持科创企业瓶颈的？ 郑涵：传统信贷逻辑与科创企业的需求之间存在天然的"供需错配"。要破解"死亡谷"困境，商业银行必 须进行自我革命，重塑内在逻辑，从"放贷者"转向"赋能者"。上海银行聚焦于推动"两个重塑": 一是重塑科创企业风险评价逻辑。投资的视角来评价企业核心是"看行业、看技术、看团队、看未来"。 在贷前，形成科技企业专属评价方法；在贷中，我们以投行的思维设计投贷联动的合作方案，股债贷保 租多方联动、全生命周期产品接力匹配；在贷后，我们则以股东的心态参与企业成长，高频触达、管理 赋能、产业助力。 21世纪经济报道记者 曹媛 深圳报道 "传统信贷逻辑与科创企业的需求之间存在天然的'供需错配'。要破解'死亡谷'困境，商业银行必须进行 自我革命，重塑内在逻辑，从'放贷者'转向'赋能者'。"上海银行公司业务部兼普惠业务部总经理郑涵说 道。 作为一家立足上海，辐射全国的城商行，上海银行聚焦打造以"早、小、硬"为特色的科技金融体系。据 上海银行2025年半年报披露，今年上半年科技贷款投放额92 ...

Core Insights - The 2025 Top Incubator Conference opened in Shanghai, attracting global incubator practitioners, investors, and scientists to discuss cutting-edge innovations and financial empowerment in technology [1] Group 1: Financial Empowerment in Technology - Shanghai Bank emphasizes the importance of financial services in bridging the gap between scientific innovation and market application, addressing the "valley of death" faced by tech startups [1][3] - The bank's approach involves a shift from traditional lending practices to a model that focuses on empowering technology enterprises, recognizing the unique challenges they face [3] Group 2: Risk Evaluation and Service Models - Shanghai Bank is restructuring its risk evaluation logic for tech enterprises, moving away from solely financial metrics to a broader assessment that includes industry trends, technological barriers, team capabilities, and market potential [4] - The bank is also innovating financial products to balance risk and return, promoting equity-linked loans and other collaborative financial solutions to share risks and rewards with tech companies [4] Group 3: Comprehensive Service Framework - Shanghai Bank aims to create a comprehensive service system that supports technology enterprises throughout their lifecycle, particularly focusing on early-stage, smaller, and more innovative companies [4] - The bank is committed to building a vibrant and resilient technology finance ecosystem in collaboration with scientists, entrepreneurs, and incubators [4]

Core Insights - The Chinese government emphasizes the need to address financing difficulties for private enterprises, highlighting the importance of the private economy in Jiangsu for job creation, technological innovation, and fiscal revenue [1] Group 1: Financial Support for Private Enterprises - Jiangsu's private economy loan balance reached 7.02 trillion yuan, with an 8% year-on-year increase [1] - The province has 712 listed companies, with over 70% being private enterprises, indicating a strong presence of private firms in the capital market [1] - Financial institutions in Jiangsu are innovating products to support private enterprises, including various loan types and insurance products [2][3] Group 2: Innovation in Financial Products - Jiangsu Bank launched "Equipment Update Loans," providing 6.5 billion yuan across 317 transactions to support equipment upgrades [2] - The "1650" industry chain digital customer acquisition system has facilitated 779.8 billion yuan in credit for 30,500 industry chain clients [3] - New insurance products have been developed to mitigate risks for technology companies, with over 800 million yuan in coverage for low-speed unmanned driving equipment [3] Group 3: Capital Market Developments - The A-share market has seen significant growth, with 52 Jiangsu-listed companies doubling their stock prices this year [4] - Jiangsu Bank introduced "Equity Option Loans" to support high-growth technology companies while addressing concerns about early equity dilution [4] Group 4: Policy and Collaborative Efforts - Financial service centers have been established to provide comprehensive support to private enterprises, including financial consulting and policy promotion [6] - The provincial financial office has organized nearly 100 events to promote financial services for the real economy across 13 cities [6][7] - The "Jiangsu Small and Micro Enterprises Financing One-Stop" system has been developed to streamline financing processes for small enterprises [7]

Core Viewpoint - The article highlights the role of Jiangsu Bank's Shenzhen branch in supporting Shenzhen's economic development as it celebrates its 45th anniversary, focusing on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance [2][6]. Group 1: Inclusive and Digital Finance - Jiangsu Bank's Shenzhen branch integrates inclusive finance with digital finance to enhance the local economy, providing efficient and intelligent solutions for small and micro enterprises [2]. - The bank's "e融支付" service has benefited over 3,200 merchants with differentiated fee rate discounts, particularly aiding businesses that employ older women and essential service providers, saving them hundreds of thousands of yuan [3]. Group 2: Technology Innovation and High-Quality Development - The bank combines technology finance with cross-border finance to empower Shenzhen's market participants, offering a comprehensive product system that supports companies at various growth stages [3][4]. - Innovative financing models like "equity-linked loans" are being explored to meet the funding needs of early-stage hard technology enterprises, allowing banks to share in the future growth of these companies [4]. Group 3: Green and Pension Finance - Jiangsu Bank actively promotes green finance through initiatives like the "降碳贷" program, which offers favorable loan pricing to companies that reduce carbon emissions by 40% [5]. - In the pension finance sector, the bank provides services aimed at enhancing the quality of life for the elderly, including community health activities and digital literacy programs, benefiting over 7,200 senior clients with its "融享幸福" debit card [6]. Group 4: Cross-Border Financing - In the first half of the year, the Shenzhen branch approved a 2 billion yuan cross-border comprehensive credit line for China General Nuclear Power Corporation to support its overseas operations, contributing to the internationalization of the renminbi and regional energy connectivity [5]. Group 5: Future Commitment - Jiangsu Bank's Shenzhen branch aims to continue its systematic approach in delivering high-quality financial services, contributing to Shenzhen's ongoing development and prosperity as it enters a new chapter [6].

Core Viewpoint - The healthcare industry is recognized as a strategic emerging industry in China, facing financing challenges due to long R&D cycles and high investment requirements, prompting Beijing Zhongguancun Bank to develop specialized financial services to support innovation in this sector [1][2][3]. Industry Overview - The healthcare sector is experiencing unprecedented growth driven by factors such as an aging population, increased health awareness, and technological breakthroughs. The Beijing Municipal Government aims for the pharmaceutical and healthcare industry to reach a total scale of 1.25 trillion yuan by 2026 [2]. - The average R&D cycle for innovative drugs is 5-8 years, requiring investments of hundreds of millions to billions of yuan, with a success rate of less than 10%. High-end medical devices also face lengthy commercialization processes, leading to significant financing challenges for companies [2][3]. Company Strategy - Beijing Zhongguancun Bank has focused on the healthcare sector since its establishment in 2017, creating a comprehensive service system to address financing pain points and support industry upgrades [1][4]. - The bank has developed a specialized team with backgrounds in medicine, pharmacy, and bioengineering to enhance credit assessment and review processes [4][5]. Financial Solutions - The bank has introduced innovative financial products tailored to the healthcare sector, such as a "Technology R&D Loan" with a maximum term of 5 years and a "Warrant Loan" that combines debt financing with equity options to mitigate risks [8]. - A proprietary evaluation model has been developed, incorporating AI technology to assess healthcare companies based on their pipeline value, financing health, competitive landscape, and commercialization prospects [7][8]. Ecosystem Development - The bank aims to transform from a mere fund provider to a long-term partner for healthcare companies by building a "financial + ecosystem" service model, collaborating with various stakeholders including investment institutions, hospitals, and research institutions [9][10]. - The bank has supported over 300 healthcare companies in Beijing, with more than 200 receiving credit support totaling nearly 5 billion yuan, with 30% being first-time borrowers [5][10].

Group 1: Company Financing and Support - Jiangsu Bank has developed a financing solution called "Su Trade Loan" to support small and micro enterprises, resulting in a company receiving 8 million yuan in funding to expand production and increase sales by 31% in the current quarter [1] - Jiangsu Bank has injected financial resources into over 40,000 enterprises, with a cumulative credit of nearly 400 billion yuan, promoting high-quality development of the real economy [1] - The bank has implemented a "six specialized mechanisms" to enhance financing channels for small and micro enterprises, focusing on personalized services and efficient processes [2] Group 2: Technological Empowerment and Service Efficiency - Jiangsu Bank has strengthened the promotion of non-repayment renewal loans for small and micro enterprises, introducing smart tools like "proactive invitation" and "simulated approval" to enhance service efficiency [3] - The bank has created a "hot map" for small and micro enterprise connections, ensuring that enterprise needs are met quickly and effectively through a comprehensive management process [3] Group 3: Support for Private Enterprises - Jiangsu Bank has increased credit loans and medium-to-long-term loans for various types of private enterprises, focusing on sectors like technology, manufacturing, and agriculture [4] - The bank has launched the "Su Yin e-chain" system to provide fully online financing for small and medium-sized private enterprises, enhancing their operational management capabilities [4] Group 4: Support for Foreign Trade Enterprises - Jiangsu Bank has established a specialized action team to support foreign trade enterprises, ensuring that necessary credit needs are met without arbitrary loan reductions [7] - The bank has introduced the "Su Trade Loan" product to assist foreign trade companies in financing, providing timely loans to alleviate payment pressures [7] Group 5: Innovation in Financial Services - Jiangsu Bank has initiated a special action plan to expand first-time loans for technology enterprises, enhancing coverage and support for innovation [8] - The bank has launched the "Achievement Transformation Loan" to assist in the transfer and transformation of technological achievements, promoting collaboration between technology and industry [8][9]