一是深挖数据价值，构筑“征信赋能‘五篇大文章’数智库”。按照“人行牵头、各方联动、市场运作、分步实施”的原则，组建由人民银行、征信机构和金融机构专业人才构成的工作专班，搭建“征信创新实验室”。构建“金融大数据+知识产权+企业自主申报”多源数据融合架构，聚焦知识产权、研发投入、人才薪酬等关键指标开展深度数据挖掘，梳理形成科创属性企业名录超12.6万户，省级以上高新技术产业园区企业采数率超80%。

二是优化信用评价，精准勾勒科创企业画像。聚焦“企业科技能力、技术影响力、发展潜力”三大核心维度，推出覆盖企业初创、成长、成熟全生命周期的《科创力专项征信报告》，实现对科创企业的精准画像和立体评估。https://cygx.yeekang.com/archives/6203
https://cygx.yeekang.com/archives/6201
https://cygx.yeekang.com/archives/6199
https://cygx.yeekang.com/archives/6197
https://cygx.yeekang.com/archives/6195
https://cygx.yeekang.com/archives/6193
https://cygx.yeekang.com/archives/6191
https://cygx.yeekang.com/archives/6189
https://cygx.yeekang.com/archives/6187
https://cygx.yeekang.com/archives/6165
https://cygx.yeekang.com/archives/6167
https://cygx.yeekang.com/archives/6169
https://cygx.yeekang.com/archives/6171
https://cygx.yeekang.com/archives/6173
https://cygx.yeekang.com/archives/6176
https://cygx.yeekang.com/archives/6177
https://cygx.yeekang.com/archives/6180
https://cygx.yeekang.com/archives/6182
https://cygx.yeekang.com/archives/6185
https://cygx.yeekang.com/archives/6227
https://cygx.yeekang.com/archives/6228
https://cygx.yeekang.com/archives/6230
https://cygx.yeekang.com/archives/6234
https://cygx.yeekang.com/archives/6235
https://cygx.yeekang.com/archives/6237
https://cygx.yeekang.com/archives/6239
https://cygx.yeekang.com/archives/6241
https://cygx.yeekang.com/archives/6243
https://cygx.yeekang.com/archives/6245
https://cygx.yeekang.com/archives/6207
https://cygx.yeekang.com/archives/6209
https://cygx.yeekang.com/archives/6211
https://cygx.yeekang.com/archives/6213
https://cygx.yeekang.com/archives/6215
https://cygx.yeekang.com/archives/6217
https://cygx.yeekang.com/archives/6219
https://cygx.yeekang.com/archives/6220
https://cygx.yeekang.com/archives/6222
https://cygx.yeekang.com/archives/6225
https://cygx.yeekang.com/archives/6268
https://cygx.yeekang.com/archives/6272
https://cygx.yeekang.com/archives/6274
https://cygx.yeekang.com/archives/6276
https://cygx.yeekang.com/archives/6278
https://cygx.yeekang.com/archives/6280
https://cygx.yeekang.com/archives/6282
https://cygx.yeekang.com/archives/6283
https://cygx.yeekang.com/archives/6285
https://cygx.yeekang.com/archives/6289
https://cygx.yeekang.com/archives/6248
https://cygx.yeekang.com/archives/6249
https://cygx.yeekang.com/archives/6251
https://cygx.yeekang.com/archives/6253
https://cygx.yeekang.com/archives/6255
https://cygx.yeekang.com/archives/6257
https://cygx.yeekang.com/archives/6258
https://cygx.yeekang.com/archives/6261
https://cygx.yeekang.com/archives/6265
https://cygx.yeekang.com/archives/6266
https://cygx.yeekang.com/archives/6314
https://cygx.yeekang.com/archives/6316
https://cygx.yeekang.com/archives/6319
https://cygx.yeekang.com/archives/6320
https://cygx.yeekang.com/archives/6322
https://cygx.yeekang.com/archives/6324
https://cygx.yeekang.com/archives/6326
https://cygx.yeekang.com/archives/6328
https://cygx.yeekang.com/archives/6330
https://cygx.yeekang.com/archives/6332
https://cygx.yeekang.com/archives/6293
https://cygx.yeekang.com/archives/6295
https://cygx.yeekang.com/archives/6297
https://cygx.yeekang.com/archives/6298
https://cygx.yeekang.com/archives/6300
https://cygx.yeekang.com/archives/6304
https://cygx.yeekang.com/archives/6305
https://cygx.yeekang.com/archives/6307
https://cygx.yeekang.com/archives/6311
https://cygx.yeekang.com/archives/6312
https://cygx.yeekang.com/archives/6358
https://cygx.yeekang.com/archives/6359
https://cygx.yeekang.com/archives/6362
https://cygx.yeekang.com/archives/6365
https://cygx.yeekang.com/archives/6367
https://cygx.yeekang.com/archives/6369
https://cygx.yeekang.com/archives/6371
https://cygx.yeekang.com/archives/6373
https://cygx.yeekang.com/archives/6374
https://cygx.yeekang.com/archives/6376
https://cygx.yeekang.com/archives/6334
https://cygx.yeekang.com/archives/6337
https://cygx.yeekang.com/archives/6339
https://cygx.yeekang.com/archives/6343
https://cygx.yeekang.com/archives/6345
https://cygx.yeekang.com/archives/6347
https://cygx.yeekang.com/archives/6348
https://cygx.yeekang.com/archives/6350
https://cygx.yeekang.com/archives/6353
https://cygx.yeekang.com/archives/6354
https://cygx.yeekang.com/archives/6390
https://cygx.yeekang.com/archives/6393
https://cygx.yeekang.com/archives/6395
https://cygx.yeekang.com/archives/6397
https://cygx.yeekang.com/archives/6399
https://cygx.yeekang.com/archives/6401
https://cygx.yeekang.com/archives/6403
https://cygx.yeekang.com/archives/6404
https://cygx.yeekang.com/archives/6407
https://cygx.yeekang.com/archives/6410
https://cygx.yeekang.com/archives/6413
https://cygx.yeekang.com/archives/6415
https://cygx.yeekang.com/archives/6417
https://cygx.yeekang.com/archives/6419
https://cygx.yeekang.com/archives/6378
https://cygx.yeekang.com/archives/6380
https://cygx.yeekang.com/archives/6382
https://cygx.yeekang.com/archives/6385
https://cygx.yeekang.com/archives/6387
https://cygx.yeekang.com/archives/6388
https://cygx.yeekang.com/archives/6432
https://cygx.yeekang.com/archives/6430
https://cygx.yeekang.com/archives/6428
https://cygx.yeekang.com/archives/6425
https://cygx.yeekang.com/archives/6423
https://cygx.yeekang.com/archives/6422
https://cygx.yeekang.com/archives/6434
https://cygx.yeekang.com/archives/6446
https://cygx.yeekang.com/archives/6448
https://cygx.yeekang.com/archives/6449
https://cygx.yeekang.com/archives/6452
https://cygx.yeekang.com/archives/6456
https://cygx.yeekang.com/archives/6457
https://cygx.yeekang.com/archives/6459
https://cygx.yeekang.com/archives/6461
https://cygx.yeekang.com/archives/6440
https://cygx.yeekang.com/archives/6436
https://cygx.yeekang.com/archives/6438
https://cygx.yeekang.com/archives/6442
https://cygx.yeekang.com/archives/6444
https://cygx.yeekang.com/archives/6484
https://cygx.yeekang.com/archives/6486
https://cygx.yeekang.com/archives/6487
https://cygx.yeekang.com/archives/6489
https://cygx.yeekang.com/archives/6492
https://cygx.yeekang.com/archives/6494
https://cygx.yeekang.com/archives/6496
https://cygx.yeekang.com/archives/6498
https://cygx.yeekang.com/archives/6500
https://cygx.yeekang.com/archives/6502
https://cygx.yeekang.com/archives/6463
https://cygx.yeekang.com/archives/6465
https://cygx.yeekang.com/archives/6468
https://cygx.yeekang.com/archives/6470
https://cygx.yeekang.com/archives/6472
https://cygx.yeekang.com/archives/6473
https://cygx.yeekang.com/archives/6475
https://cygx.yeekang.com/archives/6477
https://cygx.yeekang.com/archives/6479
https://cygx.yeekang.com/archives/6481
https://cygx.yeekang.com/archives/6513
https://cygx.yeekang.com/archives/6515
https://cygx.yeekang.com/archives/6517
https://cygx.yeekang.com/archives/6519
https://cygx.yeekang.com/archives/6522
https://cygx.yeekang.com/archives/6524
https://cygx.yeekang.com/archives/6503
https://cygx.yeekang.com/archives/6536
https://cygx.yeekang.com/archives/6538
https://cygx.yeekang.com/archives/6540
https://cygx.yeekang.com/archives/6542
https://cygx.yeekang.com/archives/6544
https://cygx.yeekang.com/archives/6505
https://cygx.yeekang.com/archives/6507
https://cygx.yeekang.com/archives/6509
https://cygx.yeekang.com/archives/6511
https://cygx.yeekang.com/archives/6526
https://cygx.yeekang.com/archives/6528
https://cygx.yeekang.com/archives/6530
https://cygx.yeekang.com/archives/6532
https://cygx.yeekang.com/archives/6534

三是培育场景应用，推动成果高效转化落地。选取三家试点银行基于《科创力专项征信报告》及评价模型开展充分论证，针对性研发“赣科新易贷”系列科技金融线上融资产品，推动沉睡数据成为“可采、可算、可贷”的新型生产要素。产品上线仅两个月即累计发放贷款304笔、金额突破11.55亿元，市场响应热烈。

打开网易新闻 查看精彩图片

成效非常明显，接下来怎么办？将从三方面持续发力，推动工程扩面提质、长效赋能：一是扩大推广覆盖面。指导三家试点银行率先提炼可复制、易推广的授信样板，带动全省机构用好《科创力专项征信报告》增信功能，加大“赣科新易贷”系列产品投放，让政策红利惠及更多科创企业；二是筑牢风险防控底线。严格保障数据安全与系统稳定，建立动态跟踪评估机制，引导全行业规范开展科创信用融资业务；三是丰富征信产品谱系。持续深化跨区域、跨行业及央地合作，扩容“征信赋能数智库”数据维度与饱和度，丰富多元化、定制化征信产品与服务谱系，提升征信服务对重点领域和薄弱环节的覆盖能力，为经济社会高质量发展持续赋能。