近年来,中国人民银行山东省分行聚焦科技企业融资需求,以政策创新、平台搭建、区域试验及生态优化 为抓手,全面构建覆盖科技企业全生命周期的科技金融服务体系,为科创产业发展注入强劲动能。截至 2025年三季度末,全省科技贷款余额2.8万亿元,同比增长15.9%。 构建"政策矩阵" 织密全生命周期服务网 破解银企对接"信息孤岛" 针对科技企业"轻资产、难估值"痛点,中国人民银行山东省分行联合省科技厅建成并推广"山东省科融信 综合服务平台"。该平台不仅具备金融产品发布、融资需求对接等基础功能,更创新嵌入科技创新属性识 别与评价模块——整合政府、互联网及第三方机构多维数据,构建科技企业增信评价模型,并引入省级创 新创业共同体对项目进行产业评定,实现对企业与项目的精准"画像"。截至2025年三季度末,平台已入驻 企业2.6万家、金融机构168家,助力2141家企业获得信用贷款110亿元,有效缓解银企信息不对称问题。 深耕济南科创金融改试验区 推动形成区域协同新路径 中国人民银行山东省分行强化顶层设计,与省科技厅签署战略合作协议,建立常态化工作联络机制,围 绕"增信、投资、贷款、保险、担保、培育"六大环节,打造"鲁科贷、鲁科 ...

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].