《实施方案》聚焦金融支持科技创新的重点领域和薄弱环节，多个部门政策组合，增加金融资源供给， 畅通科技三资循环，促进科创产业融合，持续推进科技金融服务提质、扩面、增效，加快实现高质量发 展。 《实施方案》提出，加强科技金融专业能力建设。一是强化数字赋能，鼓励金融机构研发数字化经营工 具，增强企业识别和筛选能力，提升经营管理质效和风险防控水平。二是健全科技金融风险分担机制， 实施支持科技创新专项担保计划，通过组建共保体、再保险等方式分散科技保险风险。三是促进企业信 息共享，推动强化科技创新相关领域信息基础设施建设，为科技信贷评审和保险定价提供信息支持。四 是改进第三方中介服务，提供有公信力的科技咨询、科技价值评估、技术风险评价服务。（赵白执南） 金融监管总局4月1日消息，金融监管总局、科技部、国家发展改革委近日联合发布《银行业保险业科技 金融高质量发展实施方案》提出，加大科技型企业信用贷款和中长期贷款投放，灵活设置贷款利率定价 和利息偿付方式；深化保险资金长期投资改革试点，支持保险公司发起设立私募证券基金，投资股市并 长期持有。 （责任编辑：马欣） 《实施方案》要求，加强科技金融产品体系建设。一是加大科技信贷投放 ...

Core Insights - The Chinese government is enhancing financial support for private enterprises, with banks increasing credit and innovative financing products to improve the financing environment for these companies [1][2][5]. Group 1: Credit Financing Support - Credit remains the dominant financing method in China, with the People's Bank of China encouraging financial institutions to utilize structural monetary policy tools to support private enterprises [2]. - Major state-owned banks, such as Industrial and Commercial Bank of China, plan to provide at least 6 trillion yuan in financing to private enterprises over the next three years [2]. - Agricultural Bank of China reports that over 50% of its loans in technology finance and inclusive finance are directed towards private enterprises, with expectations of a loan balance exceeding 7.5 trillion yuan by the end of 2025 [2]. Group 2: Direct Financing Initiatives - The enthusiasm for bond financing among private enterprises has surged, supported by new tools and measures introduced since February [5][6]. - In the first quarter of 2025, private enterprises issued 85 debt financing instruments in the interbank market, totaling 76.25 billion yuan, accounting for over 90% of corporate credit bonds [6]. - The average issuance interest rate for private enterprise debt financing tools decreased to 2.86%, down 21 basis points from 2024 [6]. Group 3: Innovative Financial Products - Various innovative financial products have been launched to support private enterprises, including the first asset-backed securities (ABS) for equipment updates, which raised 4.554 billion yuan [8]. - The establishment of a credit information sharing platform for small and micro enterprises has facilitated financing for nearly 800 companies, with 90% being inclusive small and micro enterprises [8]. Group 4: Policy Support for International Expansion - Policy banks are also playing a crucial role in supporting private enterprises' international expansion, with the Export-Import Bank of China launching a special plan to enhance international trade cooperation [4]. - Financial institutions are developing comprehensive financial service plans to support foreign trade enterprises, particularly addressing the needs of small and medium-sized private enterprises facing funding shortages and exchange rate fluctuations [3].