机制落地一年多以来，福州加速将政策从"纸上"落到"地上"，全面启动支持小微企业融资协调工作机制，一手牵银行，一手牵企业，做精做深融资对接，引 导信贷资金快速直达企业，扩大普惠金融覆盖面，书写普惠金融高质量发展的福州答卷。 截至2025年年末，全市通过工作机制累计走访各类经营主体91万户，推动银行机构为超14万家经营主体授信超2400亿元，14万家经营主体发放贷款超2200亿 元，平均利率低于全国0.3个百分点，首次贷款金额超650亿元，位列全省第一。 科技企业 激活新质生产力"知产"变为"资产" 轻资产、缺抵押，是科技型小微企业融资路上的"老大难"。传统金融服务依赖抵质押物的模式，往往让手握技术、有市场前景却无厂房、土地等传统抵押物 的小微企业"望贷兴叹"。在小微企业融资协调工作机制下，多方协同发力，为破解这一困境提供有效路径。 案例点击：福州闽波光电技术有限公司主营光学玻璃制造，因临时接到下游大额追加订单，且此前租赁装修新厂房投入大，流动资金需求增大。"过去我们 这种轻资产科技企业贷款很难，要么审批周期长，要么要求抵押。"企业有关负责人坦言。 缺抵押、贷款慢、利率高？福州小微企业不用愁了！小微企业是经济发展 ...

Core Viewpoint - The event aims to promote the innovative path of intellectual property (IP) financial services to support the high-quality development of private enterprises in Fujian Province, with a focus on transforming IP into assets for technology companies [1][2]. Group 1: Event Overview - The "Knowledge Benefit Action" event was held in Fuzhou High-tech Zone, gathering over 100 representatives from financial institutions, universities, and technology companies to explore IP financial service innovations [1]. - The "High-tech Knowledge Loan" product was launched, allowing technology companies to secure loans up to 10 million yuan based on IP collateral, filling a gap in the region's financing products [1][3]. Group 2: Company Participation and Impact - Ten companies, including Yongfu Huineng, signed credit agreements with China Bank Minhou Branch, showcasing the practical benefits of IP financing [2]. - Huada Zhifang's chairman expressed enthusiasm for the timely funding, which will be used for building an intelligent spinning laboratory and digital transformation, highlighting the effectiveness of previous investments [2]. Group 3: Financial Support and Future Plans - As of the end of August, China Bank Fujian Branch has provided 46.057 billion yuan in credit support to 1,973 technology companies, demonstrating a commitment to addressing financing challenges for tech firms [3]. - Future plans include enhancing the efficiency of IP financial services to support the innovative development of private enterprises, optimizing service effectiveness, and improving information sharing between government, banks, and enterprises [4].