"我们花了9年时间，投资两亿元研发出一个全新的微流控技术精准采样器诊断平台，目前主要应用在临 床科室，例如急诊科、胸痛中心等，这款产品可以在10分钟之内测出患者是心梗还是心绞痛，对于疾病 早期起到了非常好的干预效果。"石家庄禾柏生物技术股份有限公司副总裁赵巍自豪地告诉《金融时 报》记者，这也是国内唯一一个在10分钟内就能检测出6项结果的产品，目前，这台检测仪器最多可叠 加90多项样本检测。 禾柏生物作为一家专业从事体外诊断行业即时检测（POC）试剂及光学传感器研发的高新技术企业，目 前已拥有近300项专利证书，并研发出全球首创的一步法操作、多方法学集成的高精度定量检测平台。 而在科技企业成长壮大的过程中，离不开当地金融机构的支持。建行河北省分行运用大数据技术建立科 技型企业数字画像系统，以专利作为质押，高效审批发放了"科技研发贷"5000万元，为企业的持续研发 创新注入了"金"动力。 政策体系筑基石，凝聚多元合力。中国人民银行河北省分行联合省科学技术厅等部门，共同构建科技金 融领域"1+N"政策体系，先后出台做好科技金融大文章工作方案、开展科创金融服务能力提升专项行动 等10余份文件。通过"政策联动+平台搭建 ...

千千万万普惠小微主体的发展动力从何而来？金融活水的精准滴灌和持续滋养是不可或缺的一环。《金 融时报》记者在山东省菏泽市采访时发现，从盘活"知产"到信任"流水"，再到贯通"血脉"，一张覆盖更 广、触达更准、效能更高的普惠金融服务网络正在这里越织越密。 看技术：从纸证书到"金钥匙" 天宝牡丹生物科技有限公司是一家专注于牡丹全产业链研发与深加工的科技型中小企业，企业以同步萃 取技术为核心，从牡丹鲜花中高效提取活性物质与精油，开发出牡丹籽油、牡丹咖啡等一系列特色功能 性产品，获得市场广泛认可。尽管手握核心技术、发展前景广阔，这些轻资产却难以在传统信贷中变 现。 转机来自菏泽农商银行的主动走访。该行为天宝牡丹定制知识产权质押融资方案，将企业13项专利权转 化为融资"金钥匙"。"从质押到放款，只用3天时间，600万元贷款就到账了。"企业负责人感慨道，"这 笔贷款的意义远超资金本身，代表了市场对我们知识产权价值的认可，这让我们更加有底气去推进产品 研发与产能扩张。"更让企业感到实惠的是，该笔贷款符合中国人民银行支农支小再贷款支持政策，利 率较同期常规贷款利率降低1.74个百分点，这让天宝牡丹对普惠金融的政策红利有了更直观的 ...

Core Insights - The establishment of the national small and micro enterprise cash flow credit information sharing platform has significantly improved financing access for small and micro enterprises, allowing them to secure loans without collateral, as demonstrated by Shandong Yingge Food Co., Ltd. [1] - The platform has facilitated a more efficient credit assessment process, enabling banks to access real-time cash flow data, which enhances their ability to evaluate the creditworthiness of enterprises [2][3]. - The initiative has successfully addressed the financing challenges faced by "credit white" and "thin" enterprises, leading to a shift from traditional collateral-based lending to credit-based lending [4][6]. Group 1: Platform Implementation and Impact - The Shandong branch of the People's Bank of China has actively promoted the platform, resulting in a significant increase in the number of enterprises accessing credit, with 6,267 enterprises receiving loans totaling 30.5 billion yuan by the end of September [2]. - The platform has seen a remarkable increase in usage, with financial institutions in Shandong querying cash flow information 67,000 times in September, a 25-fold increase compared to January [3]. - Over 1,800 enterprises have benefited from first-time loans, effectively alleviating the financing bottleneck for new borrowers [6]. Group 2: Innovation in Financial Services - Financial institutions are encouraged to innovate their credit products and processes, moving from traditional financial statements to cash flow analysis, which has transformed the lending landscape [4][5]. - Specific case studies illustrate the platform's effectiveness, such as a small enterprise in the IoT sector receiving a 1.27 million yuan credit loan based on cash flow data, overcoming the lack of traditional collateral [4]. - The platform has enabled the development of tailored financial products for various sectors, including technology innovation and green development, enhancing the overall financing ecosystem [7][8]. Group 3: Future Directions - The platform has facilitated a total of 291,000 queries for cash flow credit information, resulting in 27,000 enterprises receiving credit totaling 182.11 billion yuan, with actual usage at 23,000 enterprises and 109.42 billion yuan [9]. - The People's Bank of China plans to further enhance the platform's application, aiming to connect financial resources with key sectors such as technology innovation and green development, thereby contributing to high-quality economic growth in Shandong [9].