创新是产业升级的核心引擎，也是企业发展的核心竞争力。为精准支持辖内科技型企业向科技化、高端 化转型，岚山农商银行聚焦企业融资需求，推出"梯度培育、重点扶持"专项策略，通过创新金融产品、 深化政银协同、优化服务模式，有效破解行业"轻资产"融资瓶颈，为区域科创产业发展注入金融动能。 优化服务模式，匹配科创企业发展节奏 为实现金融服务精准对接，岚山农商银行进一步深化链动服务与流程优化，组建"1+N"专属服务团队， 开展常态化现场回访，根据企业研发周期、研发投入需求灵活匹配贷款方式、额度和期限，探索"长短 结合"的贷款期限形式；将企业纳入科创"白名单"，开辟绿色办贷通道，打造"一次办好"服务模式，落 实全流程限时办贷制度，"线上审批+随时审批"制度相结合，搭配利率优惠与循环用款机制，有效降低 企业融资成本。 深化政银协同，搭建全方位服务平台 精准对接需求，定制化破解融资难题 针对橡塑制造科技企业特点，该行以"一户一策"精准匹配金融方案，成功助力多家企业纾困增效。日照 市名邦橡塑有限公司作为国内一线家电制造商配套供应商，订单稳定但受应收账款账期影响，流动资金 短缺。该行在行业走访中获悉情况后，主动联动区科技局，协助企业 ...

10月22日，"创新创业共创未来"科技金融助力创新创业——2025创业投资机构济南峰会在齐鲁科技金融大厦举办。 据悉，此次峰会由山东省创新发展研究院、济南市科技局、济南市委组织部、济南市委金融办(市地方金融管理局)、济南市发展改革委、济南市工业和信息 化局、济南市民营经济局、历下区政府联合主办。山东省创新发展研究院院长刘峰，济南市政府副市长谢堃，科技部战略院科技体制改革与政策研究所副所 长、研究员张俊芳出席活动并致辞。来自政府部门、投资机构及科技企业的200余名代表参加此次峰会，共商科技金融融合发展新路径。 活动现场，首次发布济南市优质科技成果转化项目库和科技创新重点合作投资机构名录。正式启动市科技局、济南基金业协会、齐鲁科技金融大厦与深交所 创新创业投融资服务平台四方常态化合作工作机制。济南基金业协会分别与达晨财智、合创资本、深创投、航投私募基金签署战略合作框架协议。通过建立 国内头部投资机构与济南科技型企业长期合作平台，充分发挥创业投资支持科技创新生力军作用和资本市场支持科技创新关键枢纽作用，为全市科技创新和 产业发展提供多元化、接力式金融支持。 活动第二阶段，清华大学智库中心副主任汝鹏、中国标准化研究院 ...

Core Viewpoint - Qingdao is leveraging digital empowerment to reconstruct its development framework, prioritizing technological innovation in urban development under the central government's strategy to enhance technology finance [1] Group 1: Financial Empowerment for Technological Innovation - The selection of technology financial specialty branches is a key measure for evaluating the quality of bank services, with the People's Bank of China and Qingdao's Science and Technology Bureau recently announcing the 2024 list of specialty branches [1] - SPD Bank's Qingdao Hong Kong East Road Technology Branch has served nearly 500 technology enterprises, addressing challenges such as "first loan difficulties" and "credit loan difficulties" [1] - SPD Bank's Qingdao Chengyang Branch focuses on strategic emerging industries like rail transportation and green energy, having served over 600 technology enterprises to date [1] Group 2: Digital Innovation in Financing - SPD Bank Qingdao Branch is addressing the financing challenges of technology enterprises through digital innovation, enhancing financial efficiency and breaking service barriers [1] - The bank has aligned with its headquarters' product matrix to provide various financial products, including "Puchuang Loan" for startups and "Puyuan Loan" for core technology research [1] - The bank utilizes its self-developed "Technology Radar" system to create a comprehensive profile of enterprises, integrating multiple dimensions of information beyond traditional financial data [1] Group 3: Collaborative Ecosystem for Technological Development - SPD Bank Qingdao Branch is redefining service boundaries by adopting a "partner bank" approach, collaborating with government, industry, academia, and research institutions [1] - The bank has established a "Technology Salon" as a platform for innovation, facilitating regular discussions among various stakeholders around Qingdao's "10+1" industrial system [1] - The bank has implemented an integrated service model combining commercial banking, investment banking, and ecosystem support, successfully launching the first technology innovation relending in Qingdao [1] Group 4: Policy Implementation for Startup Financing - The introduction of the "Lukou Loan" policy in Qingdao aims to support startups by providing risk compensation and interest subsidies, effectively reducing financing costs [1] - SPD Bank Qingdao Branch has quickly responded to this policy, becoming the first to implement the "Lukou Loan" in the city [1] - Qingdao is accelerating its goal to rank among the top 20 global innovation cities, with SPD Bank Qingdao Branch committed to enhancing its service foundation and digital capabilities [1]

活动首先由民生银行济宁分行行长助理张冰致辞，他介绍了该行的发展情况，表达了民生银行秉承"服务大众 情系民 生"的企业使命，以及服务民营企业和中小企业的决心与期望。随后，民生银行济宁分行相关负责人从"权益、融资、 结算、增值"四大方面，对客户尊享服务体系进行了详细解读和应用场景介绍。其中，重点讲解了"民生e家"产品，详 细讲解了其产品概念和应用场景，并围绕该产品在人事管理、费用管控、账务管理等方面为企业带来的便利化、信息 化提升进行了宣讲。同时，现场还对与会人员提出的问题进行了耐心解答。会议最后，济宁市科技创新服务中心相关 负责人围绕"鲁科贷"的概念、对企业减费让利的优惠政策、申报材料填写要求及申报流程中的注意事项等内容进行了 讲解。活动结束后，与会企业代表纷纷表示收获颇丰，不仅对民生银行的服务体系有了更深入的了解，也对"民生e 家"产品在企业日常运营中的实际应用价值有了更清晰的认识。部分企业代表还就后续合作意向与银行工作人员进行 了初步交流，表达了希望进一步对接、定制化服务的意愿。 为进一步推动银企合作，民生银行济宁分行表示，将在会后持续跟进企业需求，提供"一对一"专属服务，并结合企业 不同发展阶段，量身定制 ...

转自：新华财经 "政策的温度，加上兴业银行'雪中送炭'的精准服务，让企业切实享受到红利，资金到账后立即投入到 科技成果转化落地中，真是我们的'及时雨'。"该新材料企业负责人的一席话，道出了科技型企业对兴 业银行青岛分行高效金融服务的认可。 兴业银行青岛分行相关负责人表示，"我们高度重视科技金融业务发展，此次首笔'鲁科贷'的快速落 地，正是分行积极响应国家战略、深耕本土市场、服务实体经济的生动实践。该产品通过政府增信，有 效降低了银行的授信风险，使我们能更精准、更从容地为那些'有技术、有市场、缺资金'的科技型企业 提供关键期的金融支持。" 近年来，兴业银行青岛分行通过构建专业产品体系、强化精准服务等一系列举措，推动信贷资源持续向 新能源、新材料等战略性新兴产业、科技创新领域倾斜，多措并举做优做好科技金融大文章。兴业银行 青岛分行表示，分行将以此次业务成功落地为契机，持续深化与各级科技部门的合作，充分运用好系列 创新政策工具，为加快科技成果转化、助推青岛科技创新与产业升级贡献更大的兴业力量。（宋沛航） 编辑：赵鼎 近日，在青岛市及城阳区科技局的指导下，兴业银行青岛分行为辖内一家专精特新企业发放1000万 元"山东 ...

Core Insights - The announcement from the Shandong Provincial Science and Technology Department highlights the successful implementation of the "Lu Ke Dai" technology achievement transformation loan program, which has significantly alleviated the financing difficulties faced by technology enterprises in the Tai'an High-tech Zone [1] Group 1: Loan Program Overview - As of the end of June, 18 enterprises in the Tai'an High-tech Zone have received support through the "Lu Ke Dai" program, with a total loan amount of approximately 90 million yuan, representing a year-on-year increase of 52% [1] - The program aims to support technology-based small and medium-sized enterprises in their research and development and transformation activities, providing up to 90% risk compensation for the loans [1] Group 2: Benefits for Enterprises - Companies such as Shandong Siwei Zhuoshi Information Technology Co., Ltd. and Shandong Gaochuang Automation Equipment Co., Ltd. are among those benefiting from the loans, which are aimed at high-tech and high-growth potential SMEs [1] - After the first repayment of principal and interest, enterprises can receive a total interest subsidy of 60% from the Shandong Provincial Science and Technology Department and the Tai'an Science and Technology Bureau, with a maximum interest subsidy of 750,000 yuan per enterprise [1] Group 3: Future Plans - The Tai'an High-tech Zone plans to enhance the promotion and implementation of the "Lu Ke Dai" loan policy, identify enterprise needs, and expand the program's coverage to provide stronger financial support for the rapid growth of technology-based SMEs [2]

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].

Group 1 - Pingyuan Rural Commercial Bank has provided significant financial support to green industries, injecting strong momentum into the low-carbon transformation of county economies, with green enterprise loan scale reaching 188 million yuan as of early July, an increase of 15 million yuan since the beginning of the year [1] - The company Shunyang Environmental Materials Co., Ltd. has benefited from the bank's support, producing high-end packaging products from waste paper, with a production capacity that allows for a container of 700,000 products to be shipped to Tianjin Port every two days, exporting to countries like Germany and Singapore [1] - Since its establishment in August 2018, Shunyang has developed a resource-recycling industrial chain, transforming waste paper into green products through technological innovation, supported by Pingyuan Rural Commercial Bank's financial assistance [1] Group 2 - The bank focuses on supporting the national "dual carbon" goals by promoting low-carbon, circular, and ecologically sound development in county economies, actively financing clean energy and environmental protection industries [2] - The bank has innovated mechanisms to integrate green credit concepts into business processes, providing specialized support for energy-saving and renewable energy industries [2] - A diverse product matrix has been established, including "Lukou Loan," "Green Industry Loan," and "Inclusive Small and Micro Credit Loan," effectively reducing financing costs for enterprises [2]

Group 1 - The core viewpoint of the article highlights the success of Yantai's financial services innovation, particularly in supporting technology-based enterprises through various loan programs, leading to significant financial assistance and growth in the sector [1][5][12] - Since 2015, Yantai's technology financial services have assisted over 3,800 technology enterprises in securing approximately 21.5 billion yuan in bank loans, with the "LuKe Loan" program alone providing about 18.68 billion yuan to 3,168 enterprises [1][5] - The "Yantai Science Loan" has issued 2.821 billion yuan, benefiting 706 enterprises, and has provided municipal interest subsidies totaling 26.1469 million yuan [1][5] Group 2 - The collaboration between provincial and municipal policies has significantly empowered the innovation and development of enterprises in Yantai, with the establishment of risk compensation funds and various loan programs [4][5][6] - The "LuKe Loan" and "Yantai Science Loan" programs have been instrumental in addressing the financing challenges faced by light-asset technology enterprises, allowing them to access necessary funds quickly [5][10] - The introduction of a "loan and investment linkage" model has provided innovative solutions to financing difficulties, enabling companies to secure both loans and equity investments [11][12] Group 3 - Yantai has implemented a "one-on-one" approach to tailor financing solutions for enterprises, enhancing communication between financial institutions and businesses to ensure effective policy implementation [16][17] - The establishment of a city-level technology financial service platform has streamlined the loan application process, allowing for a more efficient and accessible service for enterprises [16] - The ongoing exploration of "technology financial workstations" aims to further enhance financial services tailored to the lifecycle needs of technology enterprises [17]