科技型中小企业往往存在"融资难""融资贵"、社会资本"不敢投早""不愿投小"等问题。山东采取深化财 政科技股权投资改革的方式，变"奖补"为"股权"，以财政资金引导更多社会资本进入科创产业领域。截 至今年10月底，累计投资科技、人才项目218个，投资额29.14亿元；在投项目企业总资产达341.06亿 元，较上年增长5.4%；新增研发投入36.27亿元，增长118.5%；新取得专利1002个，增长56.3%。 "山东综合运用贷款贴息、风险补偿、保费补贴、股权投资等'财政联动+'政策工具，打造了鲁科贷、鲁 科担、鲁科保、鲁科投、鲁科融5个特色品牌，护航企业的创新之路。"山东省财政厅科技教育处处长李 丽介绍。今年以来，山东落实科技成果转化贷款风险补偿和贴息资金4807.2万元，撬动金融机构发放科 技成果转化贷款254亿元，惠及科技企业4700余家；所构建的"政银担"合作机制推动银行愿贷敢贷能 贷，山东省担保集团为龙头的政府性融资担保体系当年新增担保贷款规模164亿元，服务科技企业6700 多家。 "'1+4体系'统领各项试点任务，从广度和深度上打破原有财政职责范围，不仅实现权责利匹配，更从制 度层面为财政科学管理提 ...

收支矛盾凸显，新质生产力培育迫切……作为全国仅有的2个财政科学管理综合试点省份之一，新 形势要求山东加快推动财政科学管理从局部探索迈向全面深化，在完成财政部11项"规定动作"的基础 上，立足省情打造具有山东特色的改革样板。记者从省财政厅了解到，基于11项试点任务细化形成的60 项改革举措，已逐项拧紧责任螺丝、加速向实际成效转化。 高起点谋划 形成"一盘棋"改革合力 试点省份，意味着要通过先行先试破解一批共性难题，为全国财政科学管理改革探路领跑。立足中 央部署和省情实际，山东谋划确立了以"大财政"理念为统领、"大预算"为方向路径、"大绩效"为关键抓 手、"大数智"为保障支撑、"大安全"为底线基础的综合试点"1+4"框架体系。 "财政科学管理涉及经济社会民生各领域、财政收支管理全链条，是一项系统工程。"省财政厅党组 书记、厅长李峰介绍，山东在全国率先成立由省政府主要负责同志任组长、四位省领导任副组长，有关 省直部门和中央驻鲁单位为成员的财政科学管理综合试点领导小组，省领导对重大改革亲自部署、重大 方案亲自把关；省政府组织召开全省综合试点动员会，举办面向市县政府负责同志、财政部门主要负责 同志的财政科学管理专题培训 ...

Core Insights - The People's Bank of China Shandong Branch is focusing on the financing needs of technology enterprises by innovating policies, building platforms, conducting regional experiments, and optimizing ecosystems to create a comprehensive financial service system for the entire lifecycle of technology enterprises [1][2] Group 1: Policy Framework - A strategic cooperation agreement has been signed with the provincial science and technology department to establish a regular communication mechanism, focusing on six key areas: credit enhancement, investment, loans, insurance, guarantees, and cultivation [2] - The integration of financial policies with fiscal and technological policies is being promoted to form a comprehensive service system covering the entire lifecycle of technology enterprises, guiding financial resources towards the innovation sector [2] Group 2: Information Platform Development - The Shandong Province Science and Technology Financing Comprehensive Service Platform has been established to address the challenges of "light assets and difficult valuation" faced by technology enterprises, integrating multi-dimensional data to create a credit evaluation model for these enterprises [3] - As of the end of Q3 2025, the platform has onboarded 26,000 enterprises and 168 financial institutions, facilitating 2,141 enterprises to obtain credit loans totaling 11 billion yuan, effectively alleviating the information asymmetry between banks and enterprises [3] Group 3: Regional Innovation and Collaboration - The establishment of the Jinan Science and Technology Financial Reform Pilot Zone focuses on institutional innovation, enhancing supply capabilities, and expanding collateral options, creating a working system centered on specialized institutions and products [4] - The pilot zone has introduced a risk fund compensation pool and an innovative "Research Loan" product to provide long-term funding support for R&D projects, recognized as an excellent practice case for national promotion [4]

Core Viewpoint - Shandong Province has issued the "High-Quality Development Implementation Plan" for the financial "Five Major Articles," aiming to enhance financial support for the real economy and promote sustainable economic growth by 2027 [2][4]. Group 1: Financial Development Goals - By 2027, Shandong aims for an annual growth rate of at least 20% in loans to technology-based SMEs and green loans, with a minimum of 100,000 new "first loan" households in the inclusive finance sector each year [2][4]. - The plan emphasizes increasing the proportion of direct financing and nurturing long-term capital [2][3]. Group 2: Key Financial Services - The implementation plan focuses on enhancing the quality and efficiency of technology finance, developing green financial products, and improving inclusive financial services [2][3]. - Specific financial products such as carbon reduction-linked loans and environmental pollution liability insurance are to be explored to expand green credit [3][4]. Group 3: Support for Specific Sectors - Inclusive finance will be strengthened to support small and micro enterprises, with an emphasis on first loans and credit loans [4]. - The plan includes measures to address the aging population, such as implementing a personal pension system and enhancing financial services tailored for the elderly [4][5]. Group 4: Digital Financial Transformation - Shandong will accelerate the digital transformation of financial institutions, enhancing digital service capabilities across various financial sectors [5]. - The province aims to promote the efficient sharing of financial and public data while exploring innovative financing models related to data rights [5].

Core Viewpoint - The Shandong Provincial Government has issued an implementation plan for the "Five Major Financial Articles," aiming to enhance high-quality financial services to support the development of new productive forces by 2027, with specific growth targets for various financial sectors [1][11]. Group 1: Focus Areas of the Implementation Plan - The plan emphasizes five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, providing clear pathways and strong support for innovation and development in these sectors [2][11]. - It aims for an annual growth rate of no less than 20% for loans to technology-based SMEs and green loans, with at least 100,000 new "first loan" households in the inclusive finance sector each year [1][11]. Group 2: Technology Finance - The plan includes the establishment of distinctive brands such as "Lu Ke Loan" and encourages the development of innovative financial products like knowledge property pledge loans and acquisition loans [2][14]. - It supports the issuance of technology innovation bonds by qualified financial institutions and technology enterprises, focusing on early, small, long-term, and hard technology investments [2][14]. Group 3: Green Finance - Financial institutions are encouraged to develop 1-2 distinctive green financial products tailored to regional industrial structures, expanding the range of green finance offerings [3][14]. - The plan promotes the use of carbon reduction metrics in loan assessments and encourages the issuance of carbon-neutral and blue bonds to enhance financing channels [3][14]. Group 4: Inclusive Finance - The plan aims to strengthen mechanisms for lending to private and small enterprises, enhancing the availability of first loans, credit loans, and medium to long-term loans [3][14]. - It supports the establishment of inclusive finance service areas in rural revitalization, focusing on key sectors such as food security and agricultural technology [3][14]. Group 5: Pension Finance - The implementation of a personal pension system and the gradual promotion of commercial pension business trials are key components of the plan [4][14]. - Financial institutions are encouraged to develop specialized services and products tailored to the needs of the elderly population [4][14]. Group 6: Digital Finance - The plan emphasizes the digital transformation of financial institutions to enhance service capabilities across various financial sectors [4][15]. - It aims to promote the sharing and application of financial and public data while exploring innovative financing models based on data rights [4][15]. Group 7: Policy Integration and Support - The plan outlines the need for policy integration and coordination, aiming to secure an additional 800 billion yuan in loans for technological innovation and transformation [5][14]. - It encourages the use of government guiding funds to leverage more financial resources for the key areas outlined in the "Five Major Financial Articles" [5][14]. Group 8: Risk Prevention - The plan includes measures to combat illegal fundraising and financial crimes related to the "Five Major Financial Articles," ensuring market order and social stability [7][16]. - It emphasizes the importance of financial institutions adhering to risk management practices and enhancing compliance checks on financial products [7][16].