兴业银行济南分行下辖机构临沂分行紧扣临沂"围绕产业抓科技，壮大产业强科技"定位，紧紧围绕"科 技、产业、金融"良性循环扎实推进科技金融业务。截至2025年三季度末，科技贷款余额达38.05亿元， 较年初增长43%，其中专精特新企业户数74户，贷款余额6.95亿元。服务科技型企业数量增至94家，涵 盖高端装备制造、新材料技术、医药健康、电子信息等临沂重点产业领域。通过政银企联动机制，协助 1家企业备案科技成果转化贷款0.05亿元，助力科技成果从"实验室"走向"生产线"。 编辑：赵鼎 该行聚焦企业需求，创新金融产品，构建全生命周期产品体系：初创期推出"高科技人才创业贷"，依 托"技术流"授信评价方法，弱化财务指标与抵质押要求；成长期提供"研发贷""工业厂房按揭贷"，支持 企业研发与产能扩张；成熟期开展并购贷款、上市辅导等投行服务，助力企业资源整合。推广"兴速 贷"特色信贷产品，针对国家级专精特新"小巨人"、省级专精特新企业实行"白名单邀约制"，实现申 请、审批、提款全流程线上办理。截至目前，通过该产品已为17家临沂本地专精特新企业投放贷款1.5 亿余元。其中，为临沂某烘焙领域省级专精特新企业发放1000万元"专精 ...

Group 1 - The financing convenience for technology-based enterprises in Qinghai Province has continuously improved, with the number of approved technology loans and the loan balance reaching new highs [1] - On June 17, a financing agreement was signed between 10 technology innovation enterprises and 10 financial institutions, amounting to approximately 2.5 billion yuan [1] - As of the end of Q1 this year, the balance of technology loans in Qinghai Province reached 162.66 billion yuan, a year-on-year increase of 13.3%, accounting for 33.7% of all enterprise loans [1] Group 2 - The Qinghai Provincial Science and Technology Department and the People's Bank of China Qinghai Branch have established a coordination mechanism to enhance the technology finance work system [2] - A "white list + main bank + dynamic monitoring" mechanism has been innovatively established to bind the re-loan policies for technological innovation and equipment transformation with Qinghai's characteristic industrial chain [2] - Financial institutions in Qinghai Province have issued loans amounting to 1.82 billion yuan that meet the requirements for technological innovation and equipment transformation re-loans [2]

Group 1: Policy Guidance on Technology Finance - The central government emphasizes the importance of technology finance in supporting high-quality technological innovation and productivity development, as highlighted in the recent "Five Major Articles" initiative [2][3] - The guidance aims to enhance financial support for technology enterprises throughout their lifecycle, focusing on credit, equity, and insurance resources to create a virtuous cycle among technology, industry, and finance [2][3] Group 2: Equity Financing - Zhejiang's state-owned capital operation platform, through its venture capital arm, focuses on early-stage investments in technology innovation, providing comprehensive support to portfolio companies [4][5] - The platform aims to expand social capital and invest in hard technology projects, establishing partnerships with leading research institutions to gain access to cutting-edge technology projects [5] Group 3: Debt Financing - Banks are innovating their credit offerings to better serve technology enterprises, shifting from traditional assessment methods to a focus on industry and future potential [6][7] - New credit products tailored for technology companies include "High-Tech Talent Entrepreneur Loans" and "Technology Enterprise R&D Loans," which consider the unique characteristics and needs of these firms [8] Group 4: Bond Financing - Direct financing through bond issuance is highlighted as a cost-effective method for technology enterprises, with a focus on expanding the issuance of technology innovation bonds [10][11] - Local governments are exploring collaborative credit enhancement models to support private technology enterprises in bond issuance, thereby increasing market confidence and participation [11] Group 5: Insurance Support - The development of technology insurance is aimed at providing risk coverage for the initial market entry of major technological equipment and new materials, addressing the challenges faced during their commercialization [12][13] - Insurance products will focus on quality and liability risks, helping to alleviate concerns for enterprises engaging in technological innovation [14]