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APEC host city Shenzhen offers glimpse of China's future industries_我的网站

一 |     　　一座城市的活力，藏在小微企业的灯火里。它们规模不大，却吸纳着大量就业，孕育着技术创新，支撑着产业链的顺畅运转。

二 | 但现实中，融资难、融资贵、信息不对称，仍是横亘在许多小微企业与金融服务之间的现实障碍。    Drones zip across city blocks, delivering meals to doorsteps. On factory floors, humanoid robots are put to the test. Streets buzz with electric vehicles, and artificial intelligence (AI) is woven ever deeper into manufacturing, healthcare and urban services.        When China hosts the 33rd APEC Economic Leaders' Meeting in Shenzhen this November, delegates will gather in a city that has become one of the country's leading centers for emerging industries. It will be China's third time hosting the event, following Shanghai in 2001 and Beijing in 2014.    Adjacent to Hong Kong, Shenzhen in Guangdong Province was one of China's first special economic zones and has evolved over the past four decades into a global hub for innovation and advanced manufacturing. It is home to tech heavyweights such as Huawei, Tencent, BYD, DJI, and UBTECH, along with a vibrant community of startups spanning sectors from AI to new energy.    In the first half of 2026, the city's trade with other APEC economies rose 33 percent to 1.98 trillion yuan (about 291.6 billion U.S. dollars), accounting for 68.8 percent of its total foreign trade. Today, Shenzhen offers a window into China's new growth drivers and their potential to create new opportunities across the Asia-Pacific region.    LOW-ALTITUDE ECONOMY    Official data show that around 70 percent of China's consumer drones and half of its industrial drones are produced in Shenzhen, home to leading manufacturers including DJI.    Shenzhen is also a testing ground for commercial drone applications, from logistics and emergency response to power-grid inspection.    Food-delivery giant Meituan opened its first drone-delivery route to customers in Shenzhen years ago. By the end of June 2026, its drones were delivering orders from over 1,500 merchants, including KFC, McDonald's and Chinese tea chain Chagee.    To support the industry's growth, Shenzhen has built more than 1,200 low-altitude takeoff and landing facilities and opened 310 logistics routes. Cargo drones completed more than 1 million flights in 2025, up 29 percent from a year earlier.    Shenzhen has also led the way in regulation. In 2019, it became the first city in China to introduce local legislation specifically for the management of civilian light and micro drones.    NEW ENERGY VEHICLES    Shenzhen has emerged as one of China's leading hubs for new energy vehicles (NEVs), backed by strong innovation capabilities and one of the country's most complete industrial ecosystems spanning lithium battery materials, energy storage integration and end-use applications.    One of the best-known companies benefiting from this ecosystem is BYD, headquartered in Shenzhen. The automaker sold around 2.26 million electric vehicles (EVs) in 2025, surpassing Tesla in global EV sales last year. Its NEVs are now available in 119 countries and regions.    The city is also home to more than 1,400 intelligent-driving companies.    Shenzhen is investing heavily in charging infrastructure. In 2023, it launched a drive to become a "city of superchargers," and by 2024, supercharging facilities outnumbered conventional petrol stations. So far, it has built more than 1,200 ultra-fast charging stations with charging power of 480 kilowatts or above.    ROBOTS AND AI    Last year, a robot 6S store, claimed to be the world's first of its kind, opened in Shenzhen and quickly became a local sensation.    Shenzhen has fostered a new generation of robotics companies, including UBTECH, Honor and Leju Robot. By the end of 2025, the city was home to 34 listed robotics companies and nine unicorns.    The sector expanded rapidly last year. Humanoid robot production surged 83.1 percent year on year to 343,400 units, while the total robotics industrial output value in the city exceeded 240 billion yuan, up over 20 percent year on year.    Shenzhen has more than 2,600 major AI companies, with an industry spanning AI chips, algorithm frameworks and foundation models as well as software and hardware applications.    AI-enabled smartphones, translation earbuds, smart glasses and smart toys made in Shenzhen are increasingly reaching both domestic and overseas markets.                    。　　如何跨越这些障碍？作为深耕地方近三十年的“小微企业的银行”，重庆银行给出的答案是：用脚步丈量真实需求，用数字技术打破信息壁垒，用长期陪伴建立信任纽带。

三 | 　　从一次次深入走访调研，到一笔笔高效审批放款，再到一套持续迭代的服务体系——这家万亿规模的“A+H”股上市城商行，正通过数字化转型打通普惠金融“最后一公里”，并将自身发展深度融入成渝地区双城经济圈、西部陆海新通道建设等国家战略，在服务大局中实现金融价值的精准释放。　　跨越“最后一公里”　　“金融服务与企业成长保持同频，才能更好地助推企业发展。”这是重庆银行一线客户经理在服务小微企业过程中的深切体会。　　这一理念，在服务重庆瑞朗电气有限公司的过程中得到了清晰印证。

四 | 瑞朗电气长期专注于紫外线消毒领域，目前已拥有70多项发明专利，并参与多项行业标准制定。头些年，企业订单快速增长、产能逼近极限，但却因缺乏足额抵押物而难以获得传统信贷支持。

五 | 　　重庆银行渝中支行没有拘泥于传统风控标准，而是基于对企业真实经营状况和技术实力的判断，量身匹配了贷款方案，助力其突破扩产瓶颈。此后，合作持续深化。2024年，瑞朗电气获评“专精特新”企业，重庆银行随即将其授信产品升级为“专精特新信用贷”，并叠加380万元中长期流动资金贷款，实现金融供给与企业成长的动态匹配。　　精准适配的产品，是助推企业成长的利器；而深入一线的服务，则是跨越融资门槛的桥梁。　　重庆金石智诚科技有限公司长期深耕工业级3D打印制造行业。尽管前景广阔，但3D打印是典型的重资产行业，这使得企业在拓展新领域、建设新生产线时，面临着巨大的资金压力。　　重庆银行大渡口钢花路支行客户经理第一时间上门走访，深入企业了解经营情况和管理细节。基于扎实的实地调研，银行通过“鏸渝金服”系列产品，迅速为其发放300万元抵押贷款缓解燃眉之急，随后又追加500万元“设备更新贷”，有效缓解现金流紧张，支持企业在“AI+3D+产业”赛道稳步前行，加速迈向上市目标。　　“金融机构支持企业发展，企业回馈社会，这是一种很健康的双向奔赴。”金石智诚创始人表示。　　从产品动态调整匹配成长节奏，到服务下沉贴近真实需求，重庆银行正以务实、精准的金融支持，与万千小微企业携手同行，共赴高质量发展之路。　　数字添翼，让服务更近一步　　面对需求各异的小微企业，如何让精准服务从“一企一策”走向系统化、可持续？数字化，正是破题的关键支撑。　　在重庆银行业务一线，“远程随办”模式正在重塑小微企业的贷款体验。过去，办理信贷业务需要客户经理多次上门调查、当面签约；如今，依托该行研发的“远程辅调”工具，信贷调查可采取“一人驻守现场、一人在行内远程协作”的模式，通过远程视频辅助核查、完善资料。同时，“远程签约”功能打破了空间限制，让客户随时随地完成办理。这不仅大幅提升了服务的灵活性与便捷度，也让一线人员得以从繁琐的流程中解放出来，将更多精力投入到深度服务中。　　在提升服务效率的同时，风险防控的数字化防线同样坚固。该行自建的普惠业务基础风控模型与风险集中监测机制，能够对高风险特征客户进行精准预警，为信贷决策提供坚实的数据支撑。　　更深的数字化布局也在同步推进。近年来，重庆银行以自创的“456”数字化转型工作体系为引领，系统性赋能经营管理。过构建统一数据服务窗口，该行实现了对400余个业务场景的全面覆盖，年均数据调用量达7亿次，形成了规模化的数据服务能力；各类数据工具的日常用户覆盖率超过全行员工半数，加速形成了“技术搭台、业务唱戏、以数驱动经营”的数字金融生态。

六 | 在全市金融机构融入数字重庆建设的考评中，其核心业务数字化率等关键指标均名列前茅。　　数字化赋能的背后，是一组彰显坚守与担当的扎实数据。截至2025年末，重庆银行普惠小微企业贷款余额突破767亿元，较上年增长156.95亿元，增速达25.7%，单年增量居全市同业第一，整体规模位列西部上市城商行第一。凭借出色的服务质效，该行多次获评监管部门“小微企业金融服务评价一级行”“小微企业金融服务先进单位”等称号，赢得了市场与监管的长期认可。　　从小微出发，脚步却不止于小微。

七 | 围绕国家重大战略需求，重庆银行持续加大金融供给。2025年，该行支持双城经济圈建设重大项目近150个；服务西部陆海新通道建设的融资余额超550亿元，同比大增86%；科技型企业贷款与制造业贷款均实现近五年来的最高增速。　　“2026年是‘十五五’开局之年，更是重庆银行站上万亿新起点的固本强基、开局起步之年。”该行相关负责人表示，未来将依托渝川陕黔“一市三省”的网点布局和线上化金融服务能力，持续增进普惠金融产品的创新性与适配性，为更多小微企业提供精准、高效的金融支持。　　从瑞朗电气到金石智诚，从产品出新到服务下沉，重庆银行正以务实的步伐，让普惠金融的阳光照进更多角落，让每一束微光，都有机会照亮更大的天地。责任编辑：孙同怀。

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