工具协同，构建全周期成长之梯。民营企业的成长旅程，从萌芽、成长到成熟，风险特征与融资需求瞬 息万变。20条措施力促"股、贷、债、保、担、投"协同发力，其核心是构建一个与企业生命周期动态适 配的金融工具箱。这超越了传统以信贷为主的单一支持，转向覆盖风险投资、债权融资、信用增信等多 维度的组合式支持。无论是引导"耐心资本"陪伴早期科创，还是推广债券增信模式助力中型企业扩张， 都体现了一种"因时制宜、因企施策"的精准思维。此举旨在帮助企业跨越不同发展阶段的"融资峡谷"， 不仅仅提供资金，更通过多元金融工具优化其资本结构、分散经营风险，为其攀登产业高峰搭建稳固阶 梯，筑牢企业稳健成长之基。 机制护航，筑牢风险抵御之堤。市场经济的魅力在于波澜壮阔，而考验则在于风浪起伏。真正的支持， 不仅见于顺境时的锦上添花，更体现在逆境时的雪中送炭。《措施》强化协调纾困、信用修复与财政金 融协同，其导向是建立一套"市场化、法治化、常态化"的风险缓释与帮扶机制。财政贴息"免申直达"、 融资担保体系"上引下联"，旨在降低帮扶成本、提升响应速度；研究信用修复互认，则是给予一时遇困 企业重塑信用的机会与尊严。这种机制化、前瞻性的安排，为民营企 ...

Core Insights - Financial support is increasingly crucial for technological innovation in the Guangdong-Hong Kong-Macao Greater Bay Area, with Dongguan emerging as a hub for tech companies leveraging core technologies for rapid growth [1] - A diversified financial service system that adapts to the entire lifecycle of enterprises is taking shape in Dongguan, moving from traditional asset-based evaluations to a focus on future growth potential and technological capabilities [1][7] Financial Innovation - Financial institutions in Dongguan are innovating credit approval models and financial products, adopting the philosophy of "looking at patents rather than bricks" to better understand and support tech enterprises [1][3] - The "investment, loan, and guarantee" integrated credit model has been developed, allowing for a combination of equity investment and credit loans, which enhances banks' willingness to lend by distributing risks [3][4] Case Studies - Guangdong Blue Ocean Technology Company has seen significant growth in demand for its underwater robots, supported by loans from China Bank Dongguan Branch, which alleviated immediate funding pressures for R&D [2][3] - Dongdian Testing Technology Co. faces substantial funding needs for upgrading its facilities and services, with a recent investment of 70 million yuan for a new testing platform, supported by loans from CITIC Bank Dongguan Branch [5][6] Market Trends - The financial landscape in Dongguan is shifting from traditional asset-based assessments to a forward-looking approach that emphasizes technology and innovation, enabling more small and medium-sized tech companies to invest in R&D and market expansion [7][8] - The integrated financial service model and specialized products like "mid-test loans" are designed to meet the unique needs of tech enterprises, facilitating smoother access to funding and accelerating technological upgrades [6][7]

Core Viewpoint - Huishang Bank celebrates its 20th anniversary, highlighting its commitment to serving the local economy and society while achieving significant growth and transformation in the banking sector [1][4]. Group 1: Service and Development - Established in December 2005, Huishang Bank emerged as the first bank formed by the merger of urban commercial banks and rural credit cooperatives in China, aimed at supporting local economic development [2]. - The bank has provided over 3 trillion yuan in financial support to Anhui Province during the 14th Five-Year Plan period, with total assets reaching 2.3 trillion yuan and loans exceeding 1 trillion yuan [4][5]. - Huishang Bank has focused on supporting technological innovation, with a loan balance for technology exceeding 210 billion yuan and significant contributions to the manufacturing sector [3][4]. Group 2: Financial Performance - Over the past 20 years, Huishang Bank's assets have grown over 45 times, with deposits and loans increasing by 28 times and 35 times, respectively [5]. - The bank has achieved a non-performing loan ratio below 1%, significantly better than the industry average, and maintains a core Tier 1 capital adequacy ratio of 9.62% [5]. - The bank's brand value has improved, ranking 101st in the Global 1000 Banks list, a significant rise of 672 places since 2008 [6]. Group 3: Innovation and Transformation - Huishang Bank is actively pursuing digital transformation, with technology investments exceeding 3.65 billion yuan over three years, and a focus on enhancing customer experience through digital services [8][9]. - The bank has established a comprehensive service network with 474 branches and 505 self-service areas, expanding its reach into key national strategic regions [7][8]. - It has successfully launched innovative financial products, including the first technology innovation bonds in the country, showcasing its commitment to innovation [9][10]. Group 4: Governance and Compliance - The bank emphasizes high-quality governance and compliance, integrating party leadership into its operational framework to ensure accountability and effective oversight [11][12]. - Huishang Bank has developed a modern internal control system covering all business lines, enhancing its compliance culture and improving regulatory ratings [12]. - The bank's workforce is highly educated, with over 94% of employees holding a bachelor's degree or higher, fostering a culture of continuous improvement and capability enhancement [12]. Group 5: Commitment to Mission - Huishang Bank aims to align its services with the broader economic goals of Anhui Province, focusing on supporting key sectors such as technology, advanced manufacturing, and green industries [13][14]. - The bank is dedicated to providing comprehensive financial solutions that cater to both corporate and individual clients, enhancing customer trust and loyalty [13][14]. - It strives to maintain a balance between risk management and growth, ensuring sustainable development while adhering to compliance standards [15].

Core Viewpoint - Technology is the foundation of national strength, and the company emphasizes the importance of "technology finance" as a key initiative to enhance financial services for technology enterprises, aiming to establish a robust financial service system that aligns with high-level technological self-reliance and national strength in technology [1] Group 1: Strengthening Top-Level Design - The company is revising its articles of association to optimize the positioning of the Board's Strategic Committee, aiming to create a governance system that aligns with the "Five Major Articles" strategic deployment [4] - A Technology Finance Committee is established to enhance the organizational structure, forming an efficient four-level working mechanism [4] - By June 2025, the company plans to implement action measures to promote high-quality development in technology finance, focusing on six key areas including organizational mechanism optimization and credit service system upgrades [4] Group 2: Launching "Jiaoyin Science and Technology Innovation" - The company integrates resources to launch the "Jiaoyin Science and Technology Innovation" brand, introducing a "4+3" service model to support the growth of technology enterprises [6] - A product system including "Science and Technology Easy Loan," "Easy Investment," "Easy Financing," and "Easy Leasing" is established to address financing pain points for technology enterprises [6] - The company develops a proprietary "1+N" evaluation model for technology enterprises, which is applied across the organization to enhance marketing, credit processes, and risk management [6] Group 3: Improving Differentiated Policies - The company creates a dedicated product line for "Science and Technology Easy Loan" tailored to the different stages of enterprise development, promoting an "active credit" innovation model [8] - By June 2025, the company's technology loan balance is expected to exceed 1.5 trillion yuan, supporting 63,700 enterprises [8] Group 4: Leveraging Full License Advantages - The company utilizes its full license advantages to assist technology enterprises in direct financing, enhancing cooperation with national-level guiding funds [10] - By June 2025, the total financing scale of the company's technology finance is projected to exceed 1.7 trillion yuan [10] Group 5: Promoting Technology Finance Expansion - The company emphasizes both top-level design and local implementation, optimizing branch organizational structures to establish specialized technology finance promotion institutions [12] - Currently, 30 branches have set up specialized technology finance organizations, creating nearly 100 technology branches and specialized branches [12] Group 6: Strengthening Group Collaboration - The company leverages its integrated operations to provide cross-border financing services for technology enterprises, including cross-border loans and overseas listings [14] - The "Jiaoyin Trade and Finance" platform offers convenient cross-border settlement and financing services for technology enterprises [14]

Core Viewpoint - The forum highlighted the increasing role of financial empowerment in the development of the technology service industry, which is seen as a new growth area for the economy [1][3]. Group 1: Industry Development - The technology service industry in China has shown positive growth, with enterprises achieving an average annual revenue growth of 12.3% from 2019 to 2023 [3]. - The transaction value of technology contracts exceeded 6.8 trillion in 2024, surpassing the goals set in the 14th Five-Year Plan [3]. - Beijing has a strong foundation for developing the technology service industry, with 145 national key laboratories, accounting for nearly 30% of the total in the country [4]. Group 2: Financial Support and Innovation - Financial institutions, such as the Bank of Communications, have explored various service models to support the integration of technology and industry, with a total financing scale in the technology sector exceeding 1.7 trillion [5]. - The bank has introduced innovative credit products and utilized big data to assess enterprise needs, creating a comprehensive service matrix that includes equity, debt, and leasing [5]. - The forum emphasized the importance of product innovation and the need for a full-chain financial support system for the technology service industry [5]. Group 3: Collaborative Initiatives - The forum launched the "Torch Entrepreneurship Incubation Cooperation Network" and introduced various platforms aimed at facilitating technology transfer and innovation [8]. - Discussions included the role of Hong Kong in providing international support for mainland enterprises and the need for sustained capital support for the industrialization of new technologies [6]. - The event was co-hosted by the Ministry of Industry and Information Technology and the Bank of Communications, indicating a collaborative approach to fostering the technology service sector [9].

为贯彻落实总行"进万企—信服惠企"工作要求，进一步推动高质量客群建设，中信银行北京分行在总行 公司客户部的支持下，作为协办单位承办"创客北京2025"创新创业大赛（以下简称"创客北京2025"）， 全程参与并助力赛事取得圆满成功。"创客北京"为北京市经信局主办的市级创新创业大赛，本次第十 届"创客北京2025"大赛共吸引超6000个项目报名参赛，参赛企业集中在北京市重点发展的高精尖产业和 具有潜力的未来企业，与中信银行着力拓展的目标群体高度一致。 中信银行北京分行作为创客大赛的协办单位，已连续四年为参赛企业提供服务，并以精湛的专业能力和 优质的综合服务获得了主办方、各区委办局、参赛企业的高度认可和一致好评，同时也为经营单位丰富 了服务场景，是分行对公中小客群战略的成功实践。未来，中信银行北京分行将进一步加深与市经信局 合作，为中小企业搭建交流、展示、服务、对接平台，丰富拓展融通对接的广度、维度和深度，与广大 企业客户共成长。 "创客北京2025"复赛结束后，共有673个项目进入决赛阶段，中信银行北京分行结合区域经济特点，成 功支撑了高端制造行业、科技服务行业、新材料和绿色能源等行业决赛。分行公司部积极筹备赛事 ...

Core Viewpoint - The article discusses the release of the "Several Policy Measures for Accelerating the Integration of Technological Innovation and Industrial Innovation Development" aimed at enhancing Suzhou's innovation influence and developing new productive forces through 15 specific policy measures across five dimensions [1] Group 1: Enhancing High-Quality Technological Innovation Supply - Suzhou aims to enhance the supply of technological innovation by supporting the establishment of key laboratories with funding up to 200 million yuan and 20 million yuan respectively [2] - The city will support the construction of several high-level research institutes and provide funding for various scientific research projects, with maximum support reaching 5 million yuan, 6 million yuan, and 10 million yuan [2] - Global "challenge" initiatives will be organized with a maximum support of 10 million yuan for key technology breakthroughs and major scientific achievements [2] Group 2: Improving Integration Development Effectiveness - The policy measures focus on building a modern industrial innovation system, with rewards of 5% for manufacturing enterprises investing over 50 million yuan in equipment [3] - New service industry leaders will receive up to 1 million yuan in support, and strategic emerging industries will be cultivated to create advanced industrial clusters [3] - Support for artificial intelligence and data integration development projects can reach up to 100 million yuan [3] Group 3: Enhancing Enterprise Technological Innovation Capability - Suzhou will establish a nurturing system for innovative enterprises, providing up to 100 million yuan for newly built global R&D centers [4] - Enterprises leading national major scientific projects will receive support of up to 20 million yuan [4] - The city aims to support at least 90% of municipal industrial technology innovation projects led by enterprises each year [4] Group 4: Promoting Efficient Transformation of Technological Achievements - A high-level platform for technology transfer will be established, with support for the construction of technology transfer centers and service platforms up to 20 million yuan [5] - The city encourages "dual employment" between universities and enterprises, supporting technology talent exchanges [5] - Financial institutions are encouraged to develop insurance products for technology transfer, with support for premiums up to 300,000 yuan [5] Group 5: Building an Open and Shared Innovation Ecosystem - Suzhou will enhance its technology finance service system, providing risk compensation of up to 10 million yuan for financial institutions supporting technology enterprises [6] - Support for high-value patent cultivation projects will be provided, with each project receiving 500,000 yuan [6] - New national and provincial "Belt and Road" joint laboratories will receive funding support of up to 10 million yuan and 2 million yuan respectively [6][7]

Core Viewpoint - The event held in Guangzhou aimed to showcase and promote the innovative achievements in technology finance in Guangdong, with nearly 200 participants from various sectors [1] Group 1: Event Overview - The Guangdong Provincial Science and Technology Finance Work Exchange Promotion Conference successfully took place, focusing on the integration of technology and finance [1] - China Bank Guangdong Branch played a significant role in supporting the event and signed cooperation agreements with local productivity promotion centers and enterprises [1] Group 2: Technology Finance Innovation - Technology finance has become a core engine driving innovation and development, aligning with the strategic goal of enhancing technological self-reliance and building a modern industrial system [1] - A total of 369 cases were collected from financial institutions and enterprises across the province, with 50 selected as exemplary cases, showcasing Guangdong's innovative practices in technology finance [2] Group 3: Selected Cases - The "Zhongyin Sci-tech Innovation Ecosystem Partner" case demonstrated the bank's efforts in creating a comprehensive financial service model for sci-tech enterprises [2] - The "Trial Loan Service" case highlighted the bank's innovative financing model through the launch of the first trial platform loan in the province [2] - The "Zhongyin Torch Innovation Points Loan" case illustrated the integration of the Ministry of Science and Technology's innovation points system with banking services [2] - The "Investment, Loan, and Guarantee" service model case from Dongguan showcased a new integrated credit service for early-stage and growth-stage enterprises [2] Group 4: Cooperation and Future Plans - A cooperation memorandum was signed between China Bank Guangdong Branch and the Guangdong Provincial Productivity Promotion Center, focusing on six key areas of collaboration in technology finance [3] - The cooperation aims to enhance risk compensation for technology credit, build a sci-tech ecosystem, and support regional innovation [3] Group 5: Financial Services and Achievements - China Bank Guangdong Branch has positioned technology finance as a key focus for high-quality development, aiming to be a leader in the sector [4] - The bank has developed a distinctive technology finance service system, offering various financial products tailored to the needs of tech enterprises at different stages [5] - As of May 2025, the bank's technology finance credit balance exceeded 283 billion, serving nearly 19,000 tech enterprises, leading in both credit scale and client numbers in the region [5]

Core Viewpoint - The article highlights the achievements and contributions of SPD Bank's Changsha branch over its 21 years of operation in Hunan, emphasizing its commitment to serving the local economy and community through various financial services and initiatives [1][8]. Group 1: Financial Contributions and Achievements - SPD Bank's Changsha branch has served over 65,000 corporate clients and 5.132 million individual clients, with a total credit investment of 934.6 billion yuan and tax contributions exceeding 5 billion yuan [1]. - The bank has actively participated in major infrastructure projects, providing 35.06 billion yuan in new medium to long-term loans, with a total corporate loan balance of 35.74 billion yuan by the end of 2024 [3]. - The bank has launched innovative financial products, including a comprehensive supply chain finance system, which has seen a significant increase in clients, reaching 456, a rise of 302 clients compared to the previous year [5]. Group 2: Policy and Governance - The bank emphasizes the importance of party leadership and governance, integrating central economic policies into actionable plans to support the real economy [2]. - SPD Bank has developed a strong brand in party building, promoting various activities that enhance the integration of party work with core business operations [2]. Group 3: Social Responsibility and Community Engagement - The bank has engaged in over 100 community service activities, contributing more than 41 million yuan to social causes, including disaster relief and educational initiatives [8]. - SPD Bank has implemented financial literacy programs in schools, reaching nearly 30,000 young people to promote a safe financial environment [7]. Group 4: Innovation and Development - The bank has been proactive in supporting technological innovation, exemplified by a 185 million yuan acquisition loan for a leading cable company, showcasing its agility in responding to new policies [4]. - SPD Bank has established a cross-border financial service system to enhance trade and investment connections, particularly in relation to the Belt and Road Initiative [5].