Core Viewpoint - In 2023, technology finance was highlighted as a key focus in the Central Financial Work Conference, emphasizing the need for financial institutions to support the transformation of scientific research into marketable products through innovative financing solutions [1]. Group 1: Financial Institutions' Role - Financial institutions are encouraged to direct funds towards early-stage technology companies, particularly those with high growth potential, to facilitate their development [2]. - Banks are expanding their focus from traditional industrial parks to universities and research institutions, aiming to assist technology companies in transitioning from laboratories to the market [2][5]. - The introduction of the "Technology Achievement Transformation Loan" by CITIC Bank aims to support early-stage technology companies that have not yet achieved stable revenue [5][6]. Group 2: Innovative Financing Solutions - The "Technology Achievement Transformation Loan" prioritizes technological capabilities and research team quality over traditional financial metrics like debt repayment ability [6]. - The loan product allows for non-collateralized financing options, accepting credit-based guarantees or guarantees from controlling shareholders [7]. - CITIC Bank has successfully provided loans to companies like Huashinuo, which focuses on innovative ophthalmic diagnostic and treatment systems, demonstrating the effectiveness of this financing model [7][8]. Group 3: Case Studies of Technology Companies - Huashinuo, a company specializing in ophthalmic technology, received a loan of 10 million yuan to support its commercialization efforts, highlighting the importance of financial backing in critical development phases [7]. - Another example is Xinhua Storage, a startup focused on zinc-nickel flow battery technology, which received a loan of 5 million yuan without collateral, using patent pledges as a form of credit enhancement [12]. - Both companies illustrate the evolving financial needs of technology firms as they progress through different stages of development, requiring tailored financial solutions [13][14]. Group 4: Comprehensive Financial Services - CITIC Bank aims to provide a comprehensive suite of financial services, including credit products, equity investment, and bond financing, to support technology companies throughout their growth [14]. - The bank's "启航计划" (Launch Plan) aims to assist 10,000 hard technology companies in their critical transition from concept to market over the next three years [14].

为此，银行纷纷将目光从传统产业园区延伸至高校院所等区域，以中信银行为例，该行开始重点锚定高校院所、医院等科技成果转化主阵地，助力科技企业从"实验 室"走向市场。 从发现需求到识别价值 全国科技大会结束后，"引导金融资本投早、投小、投长期、投硬科技"成为金融机构开展科技金融工作的重要方向。这意味着，银行资金要流向更有需要、有发展 潜力的早期科技企业，成为助力其成长羽化的关键力量。 2023年，科技金融作为"五篇大文章"之首，在中央金融工作会议中被首次提出。 两年时间内，具身智能、量子科技等前沿技术不断涌现，如何以金融力量助推科技成果转化、实现创新与资本的完美结合？金融机构仍在不断实践与探索。 离实体企业距离最近的银行，也成为破解"科研强、转化弱"难题的关键一环。近期，券商中国记者实地探访北京的多家科技企业，探寻银行与科技企业间"双向奔 赴"的故事。 "2024年底，在对接中国医学科学院协和医学院时，我们了解到华视诺维这家企业，前两年融资较为顺畅，但下轮股权融资还未到账，产生短期的资金缺口。"该行 客户经理回忆。 华视诺维致力于解决眼科精准诊断和治疗，记者在现场看到，华视诺维所研发伴随诊断体系与脉络膜上腔给药系统 ...

Core Insights - The article discusses how financial institutions, particularly CITIC Bank, are supporting hard technology companies in overcoming challenges related to high R&D costs and long industrialization cycles through innovative financial products like "Technology Achievement Transformation Loan" [1][2] Group 1: Hard Technology Companies - Xinhuachu, established in 2023, focuses on zinc-nickel flow battery technology, which has been in development since 2015 and has achieved small-scale production after 8 years of research [1][2] - The unique advantages of Xinhuachu's technology include safety and environmental friendliness, addressing the bottleneck of distributed photovoltaic grid consumption, which is currently only 15% in rural areas of China [1][2] - The company has developed a solution that connects transformers and energy storage devices, significantly improving grid consumption capacity from 15% to 50%, tripling the original capacity [2] Group 2: Financial Support and Collaboration - CITIC Bank provided initial credit support during Xinhuachu's angel investment stage, customizing financial service solutions based on technology sources, patent numbers, and key project involvement [2][4] - The bank's "1+2 approval" fast track significantly enhances approval efficiency, alleviating pressure on the company's pilot base upgrades and equipment procurement [2] - CITIC Bank's comprehensive financial services, including bond issuance and asset securitization, are crucial for the growth of companies like Xinhuachu [2] Group 3: Other Hard Technology Innovations - Huashinuo, founded in 2018, specializes in precision ophthalmology and targeted drug development, with several international patents and national research project endorsements [3] - The company has developed innovative medical devices, including a single-use anterior chamber puncture device, aimed at improving precision diagnostics in county-level hospitals [3] - Huashinuo's breakthrough in drug delivery technology has entered clinical trials and has received patents in major global markets, showcasing its potential for treating eye diseases [3][4]

智通财经6月9日讯（记者 彭科峰）在近日召开的天津五大道金融论坛上，央行、金融监督管理总局、 证监会等部门人士就持续加大科技创新金融支持力度集中发声，引发广泛关注。央行副行长陶玲明确提 出，要扩大科技贷款的投放。银行机构要将更多信贷资源投向科技型中小企业，推动科技贷款保持较快 增长。 毫无疑问，在监管部门的持续引导下，科技金融已经成为各大银行的发力重点。那么，应该通过哪些方 式加大对科技企业的信贷支持？银行都在关注哪些前沿科技？连日来，智通财经记者进行了相关调研和 采访。 精准医疗、新型储能、石墨烯...银行科技金融向"新"而行 "现在近视人群越来越年轻。我们希望实现近视防控的前端早筛居家环境，让家长不需要去医院，在家 就能实时掌握孩子的视力情况。"6月5日，在海淀区中关村东升科技园内，北京华视诺维医疗科技有限 公司（下称华视诺维）的技术人员向智通财经记者等人演示了该公司开发的数智AI视力筛查系统的操 作流程。结合小程序和相关器械的结合，该公司正试图通过自己的方式助力青少年用眼健康。 实际上，这只是华视诺维的一个小业务。该公司的"主业"还是在精准医疗领域的原始创新。据介绍，华 视诺维正在通过自主研发三大技术平 ...