8月28日晚，中原银行2025年中期报告发布。报告期内，中原银行聚焦"两高四着力"，围绕"打造一流城 商银行、当好金融豫军排头兵"目标，坚持"做优政府银行、做实产业银行、做强市民银行、做大乡村振 兴银行"的战略方向，经营指标持续向好。 凭借优质的金融服务，中原银行在社会各界也赢得广泛赞誉，先后荣获福布斯世界最佳银行、年度十佳 城市商业银行、2024年《财富》中国上市公司500强等称号，位列英国《银行家》杂志2025年全球1000 强银行第152名，社会美誉度及品牌影响力不断跃升。 截至报告期末，中原银行总资产14079.27亿元，较上年末增加427.30亿元，增幅3.1%；各项贷款总额 （不含应计利息）7150.16亿元，较上年末增加5.61亿元，增幅0.1%；存款余额（不含应计利息） 9436.75亿元，较上年末增加542.41亿元，增幅6.1%。 同时，中原银行实现营业收入135.63亿元；实现净利润21.29亿元；核心一级资本充足率、一级资本充足 率、资本充足率较上年末分别上升0.21、0.25、0.27个百分点，资本实力持续提升。 服务实体经济，加强产业银行与科技金融联动 作为分支机构覆盖全省的省属法 ...

Core Viewpoint - Zhengzhou government and the People's Bank of China Henan Branch have jointly issued policies to accelerate the development of technology finance, focusing on creating a sustainable local policy model for technology finance development [1][2]. Group 1: Policy Framework - The policies include 18 measures aimed at enhancing the technology finance ecosystem through four dimensions: financial institution organization, diversified financial products and services, multi-level financial market system, and a supportive ecological environment for technology finance [2]. - Specific measures include establishing specialized banking institutions for technology innovation, creating a comprehensive technology insurance service system, and developing a venture capital system focused on patient capital [2]. Group 2: Financial Products and Services - The financial product and service system will be tailored to support innovation-driven strategies, including the development of exclusive financial products for technology enterprises and the introduction of intellectual property-related financial products [2]. - Initiatives like "innovation points system" will facilitate the connection between technology and finance, allowing for targeted financial support based on innovation ratings of enterprises [3]. Group 3: Industry Upgrading and Support - The policies aim to promote industrial upgrading by providing financial services that align with the needs of strategic emerging industries and key technology projects, ensuring the enhancement of value chains [4]. - Specific incentives include a 100% deduction for R&D expenses for manufacturing enterprises and rewards for sales of patented products exceeding 20 million yuan within two years [4]. Group 4: Financing Support for Technology Enterprises - The People's Bank of China Henan Branch is coordinating efforts to enhance financing support for technology enterprises through equity, debt, loans, and insurance [6]. - Financial institutions are encouraged to develop specialized loans for technology innovation and to explore "loan-equity linkage" business models to better meet the financing needs of technology enterprises [6].

Group 1 - Zhengzhou is implementing an innovation credit rating system for 15,000 high-tech and specialized enterprises to address financing difficulties for technology-based companies [1][5] - The city plans to establish a "whitelist" of high-scoring enterprises to be regularly shared with financial institutions, facilitating targeted financial products like "innovation credit loans" [5][6] - Zhengzhou's government is offering up to 5 million yuan in rewards for companies that achieve specific innovation goals [1][7] Group 2 - The city is leveraging government funds to attract social capital for early-stage investments in technology [5][6] - A multi-layered service system is being established, integrating funds, banks, and insurance to support small and hard-tech enterprises [6] - Zhengzhou is focusing on building high-level innovation platforms and integrating into national strategic technology systems to enhance industrial innovation [6][7] Group 3 - The city is enhancing financial services tailored to various strategic emerging industries and key technology projects [7] - R&D expense deductions for manufacturing enterprises have been increased to 100%, with an additional 5% deduction for advanced manufacturing [7] - Companies achieving over 20 million yuan in sales from patented products within two years can receive a maximum reward of 5 million yuan [7]

【大河财立方消息】6月17日，郑州市人民政府、中国人民银行河南省分行印发《郑州市支持加快科技 金融发展若干政策》。 政策明确提出，强化科技金融改革探索，推动科技型企业贷款增量扩面，力争2025年年底郑州市高新技 术企业、科技型中小企业合计贷款余额突破2500亿元，高新技术企业获贷率达到90％，科技型中小企业 获贷率达到70％。 具体措施包括： 推动商业银行在郑设立科技金融专业机构。 对新设的科技金融服务中心、科技金融事业部、科技金融特色分支机构，开展科技金融成效显著的，分 别一次性补助30万元、20万元、10万元。 支持金融机构开发完善知识产权质押融资专属产品，将知识产权质押贷款纳入市级风险补偿机制。 对完成知识产权证券化产品上市发行的发起单位，按单笔不超过实际融资额1.5％的比例给予最高200万 元的一次性补助。 为深入做好科技金融大文章，着力解决科技型企业融资难题，促进新质生产力培育发展，根据省委、省 政府、中国人民银行关于科技金融安排部署，结合我市实际，制定如下政策措施。 一、总体要求和发展目标 （一）总体要求 增强"三标"意识，坚持政府引导、市场为主、政策保障和商业可持续性，抢抓一揽子货币政策措施机 ...

Core Viewpoint - Zhengzhou Municipal Science and Technology Bureau has drafted measures to further support technological innovation, inviting public feedback on the proposed policies [1] Group 1: Funding Support - The draft proposes to guide universities, research institutions, and hospitals to increase investment in basic and applied research, offering up to 5 million yuan in tiered funding support based on annual R&D expenditure [1] - For innovative projects focusing on industrial applications, public welfare, and social governance, the draft suggests a maximum funding support of 5 million yuan for eligible projects, utilizing a combination of pre-payment and post-subsidy methods [1] Group 2: Financial Integration - The measures aim to promote the integration of "Zhengke Loan" and "Zhenghao Rong," with a loan limit of 20 million yuan for individual enterprises under the "Zhengke Loan" program [1] - The policies encourage cooperating banks to adopt non-repayment rollover loans after the maturity of "Zhengke Loan" business, alleviating the financial burden on technology-based enterprises [1]

Economic Overview - In the first quarter of this year, Zhengzhou's economy showed a steady growth trend, with production supply increasing and market demand recovering [1] - The financial sector in Zhengzhou demonstrated robust vitality, with the financial industry's added value reaching 40.8 billion yuan, a year-on-year increase of 4% [1] Financial Sector Performance - By the end of March, the balance of deposits in Zhengzhou reached 3.44844 trillion yuan, up 9.4% year-on-year, while the balance of loans was 4.14031 trillion yuan, increasing by 8.1% [1] - The total balance of loans and deposits in the city grew by 8.7% year-on-year, indicating strong support for the real economy [1] Support for Small and Micro Enterprises - Zhengzhou implemented a financial "combination punch" to support small and micro enterprises, simplifying loan processes and establishing a green channel for credit approval [2] - As of April 30, the small and micro enterprise financing coordination mechanism in Zhengzhou had 296,400 applications, with 239,800 recommendations and 220,800 approvals, ranking first in the province [3] Capital Market Developments - Zhengzhou's capital market saw significant activity with the successful listing of Mixue Ice Cream on the Hong Kong Stock Exchange, raising a net amount of 3.291 billion HKD [4] - The company achieved a subscription multiple of 5,258.21 times, setting a new record for IPO subscriptions in the Hong Kong market [4] Financial Service Innovations - The "Zhenghao Rong" platform enhanced its financial services in the first quarter, launching new products tailored to market demands and enterprise needs [5] - The platform registered 1.092 million users and facilitated over 36,000 financing requests, with a total credit amount of 75.996 billion yuan [6]