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  来源:财联社

  原标题:一线|房地产与基建之后,银行新的信贷增长点在哪?科技民企、涉农信贷已成探索方向

  在房贷需求逐步收缩、基建项目持续调整的背景下,银行应该如何寻找新的信贷增长点?连日来,财联社记者在青岛多地进行了实地调研,探寻银行业在当前信贷环境下的探索,了解当地企业的生产情况。

  财联社记者注意到,即便面临诸多现实困难,地方银行、国有大行都在努力探索新的信贷市场和信贷空间。各类民营企业,特别是科技类民企、涉农类民企已经成为不少银行聚焦的重点。

  趋势一:加大科技民企信贷投放已逐步成为共识

  “客观来说,过去大型银行都偏爱国企或者地方政府的基建融资,一些民企的信贷需求是容易被忽视的。”某江浙沪银行人士告诉告诉财联社记者。但是,在国家政策的引导和当前的信贷环境下,国有大行、上市银行也在积极加大对民企的信贷投放。这一点,今年以来体现得尤为明显。

  青岛华赛伯曼医学细胞生物有限公司成立于2019年,是一家专注于创新细胞疗法新药开发的生物医药公司。该公司高管张新华向财联社记者介绍,该公司从临床未被满足的需求出发,以创新研发为立足点,致力于打造全球创新性、领先性的细胞药物,重点开发针对实体肿瘤的TIL细胞药物。

  张新华进一步介绍,公司研发的首款TIL细胞1类新药已经在2023年11月获得NMPA的临床试验批件,并于去年1月启动1期临床。由于疫情因素,此前谈好的股权类融资遭遇变故,外部投资迟迟不到位。在这样的背景下,青岛银行下属一家科技支行人员主动找上门了解情况。“当时我们也联系了一些大银行,但是都没有什么回应。”

  对于一家“无收入、无产品、无资产“的科技民企,应该如何进行信贷支持?青岛银行在了解该公司的产业背景、人才结构、产品优势后,决定为其提供“人才贷”等信贷产品。“分支行对于科技企业的了解有限,但是我们可以寻求总行的帮助”,青岛银行相关信贷经理介绍,他们将企业的情况上报总行,后者有专门的团队进行把关,最终决定先行投放800万贷款。2025年,青岛银行已经决定启动后续信贷投放。

  尽管动作稍有缓慢,但财联社记者注意到,从今年一季度的情况来看,国有大行和股份行也在逐步加大对民企信贷市场的探索。

  中信银行相关人士向财联社记者介绍,该行今年将聚焦海洋经济、冰雪经济、首发经济等新业态加大民企信贷投放。当然,专精特新类的科技型民企也是中信银行今年的服务重点之一。

  邮储银行相关人士也向财联社记者介绍,该行目前已经制定针对民企的专项行动方案,聚焦科技型企业等领域加大支持力度。“未来5年,邮储银行将为科技创新领域主体提供融资支持不低于3万亿元。”

  “从经济转型的角度来看,加大科技金融的投放,是当前银行业的大趋势。但是,如何加大风控,并适度容忍初创民企的失败,或许还需探索。”某券商银行业分析师向财联社记者表示。

  趋势二:加大涉农信贷投放也成为银行重点探索方向

  今年中央的一号文件明确指出,要加大农村的信贷支持,助力乡村振兴。从财联社记者调研的情况来看,也有银行正在积极发力以农业养殖为主业的民企的信贷投放。

  2013年,青岛隆铭牛业有限公司在青岛成立,并于青岛、新疆等多地相继建立了大型牧场,其创业的目标瞄准了日益增长的高端和牛消费市场。

  青岛隆铭牛业有限公司董事长邢雪松向财联社记者介绍,以雪花牛肉为代表的和牛文化在日本非常流行,每年和牛消费量大致在50万头,而国内所有养殖和牛的企业每年出栏量也仅在万头左右。该公司经过市场调研,决定和日本企业进行合作,引进先进的和牛养殖技术,并花费巨资引进了海外成百上千头的种牛,“我们的目标,是打算做中国人自己的高端雪花牛肉”。

  但是,农业养殖尤其是和牛养殖,投资无比巨大。“和牛的养殖周期很长,一头小牛从出生到最终卖出,需要三四年的时间”,邢雪松介绍,和牛存栏期间的草料消耗都是天文数字,许孟镇的牧场已建立多年,今年才能迎来大规模出栏,因此资金情况较为紧张。

  财联社记者在青岛和日照交界处的许孟镇牧场走访发现,该基地存栏和牛的数量已接近万头。而单单这一个基地的基础设施建设,该公司投入已高达上亿。

  在了解到这家企业的经营状况后,青岛银行西海岸分行决定推出“活体抵押”贷款模式,以肉牛活体作为抵押物,通过耳标建立活体牲畜资产标识,并通过人民银行的动产融资统一登记公示系统进行合法登记,明确抵押牛的权属关系。该行最终落地项目贷款2.88亿元。由于是涉农信贷,青岛银行还有一定的利率优惠。

  为什么要对这家投资大、周期长的民企提供信贷支持?在青岛银行看来,除了这家企业实打实的和牛存栏量,可能还有一些情怀的因素——支持中国的高端和牛品牌发展壮大。

  “我行正在积极加大对农业农村现代化的金融支持”,邮储银行相关人士向财联社记者介绍。今年,邮储银行将重点极大对粮食主产区、产粮大县的金融支持,同时在农业科技领域,将为农业生物育种、智慧农业等提供信贷支持。“未来5年,邮储银行的涉农贷款投放金额将不低于3万亿元。”

  “客观来说,银行过度依赖地产、基建的时代已经过去,但民企、涉农领域的信贷投放也存在不少风险。如何在支持实体经济、寻找信贷投放新方向、做好风险管控之间找到平衡,非常考验各大银行基层信贷经理的眼光和总行的风控体系。”上述分析师认为。

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