针对中小科技型企业"轻资产、高成长、强专业"的特点，渤海银行推出"渤银科速贷"等专项产品，突破 传统授信模式，聚焦企业知识产权、研发投入、团队构成等"科技流"维度进行综合评估。同时，"人才 贷""渤银e链""渤银海纳池"等产品矩阵，覆盖了科创企业从初创、成长到成熟各阶段的金融需求，为企 业提供全过程、全周期、全覆盖的综合金融服务，助力企业优化资金管理、提升运营效率。通过与京东 科技等领先数字科技企业达成战略合作，渤海银行还推出"短e贷"等灵活融资产品，聚焦人工智能、量 子科技、生物技术等前沿领域，支持企业临时性、阶段性资金需求。 近日，在由《证券时报》主办的2025年中国银行业"天玑奖"评选中，渤海银行股份有限公司(以下简 称"渤海银行")凭借在科技金融领域的战略布局与创新实践，荣获"年度科技创新银行"奖项。 "天玑奖"旨在表彰银行业金融机构在多个关键领域的卓越实践与创新成果，重点关注跨境金融、研究赋 能及践行金融"五篇大文章"等领域的突破性进展，同时也涵盖财富管理、资产管理、私人银行等领域的 标杆案例。 渤海银行此次斩获"年度科技创新银行"奖项，得益于该行近年来高度重视科技赋能，持续加大金融科技 投入，以科 ...

科技金融是渤海银行最关心和重点支持方向之一。截至2025年上半年，渤海银行涉及科技型企业贷 款余额712.52亿元，较去年底增长51.28%。 过去，科创企业主要依赖银行贷款和股权融资。今年5月，中国人民银行、中国证监会联合发布 《关于支持发行科技创新债券有关事宜的公告》，进一步拓宽发行主体范围，为科创企业提供多元化融 资选择的同时，将债券市场与股权投资市场联动，构建起全方位、多层次的科创金融生态体系。 在债券市场"科技板"建设中，渤海银行积极发挥多重角色作用，推动"股、债、贷"协同发力，构建 多层次科创金融支持体系。作为发行人，今年5月中旬，成功发行50亿元科技创新债券，专项用于支持 科创领域业务；作为承销商，为天津市医药集团、九安医疗、东方富海等多家企业提供科技创新债券发 行服务；作为投资者，在九安医疗作为民营企业首次发债面临困境时，率先投标4亿元，有效提振市场 信心，带动更多机构参与，切实降低了企业的发行成本。 此外，渤海银行还与九安医疗共同推进更深层次合作——拟联合设立专项融资产品，专注于支持天 开九安海河海棠科创母基金所投资的天津本地科创企业。该产品将重点为技术含量高、成长空间大的初 创型科技企业提 ...

近年来，渤海银行紧扣中小科创企业发展需求，以"强主体、补链条、优服务"为工作主线，创新推 出"渤银科速贷"专属产品，通过"科技流"评价体系重构信贷逻辑，为科技型中小企业提供高效融资支 持。 数据显示，截至2025年10月末，"科速贷"产品在津累计支持36户企业，实现信贷投放3.39亿元，成为赋 能实体经济、助力科技创新的金融利器。 通过创新模式与高效服务，"渤银科速贷"精准赋能专精特新企业群体，让不少曾面临融资瓶颈的企业获 得了关键支持。 例如，天津某传热设备公司作为国家级专精特新"小巨人"企业，深耕高效热交换设备领域，拥有多项核 心专利，但因其轻资产属性一度融资受阻。获知这一情况后，渤海银行天津分行快速响应，接洽首日即 安排客户经理上门对接，运用"科技流"打分卡完成评估，次日风险管理部门实地核查专利与订单状况， 第三日即完成预审批，核定1000万元信用授信。"'渤银科速贷'打破了抵押物依赖，解决了企业研发投 入的燃眉之急。"该企业负责人表示。 此外，"渤银科速贷"凭借成熟的产品设计与服务体系，已在战略性新兴产业领域中形成可复制的金融服 务模式。 下一步，渤海银行将继续强化服务实体经济，持续优化"科技流"评价 ...

Core Viewpoint - Bohai Bank has received approval to issue perpetual capital bonds, aimed at supplementing its Tier 1 capital [1] Group 1: Bond Issuance Details - The total scale of the bond issuance is RMB 10 billion [1] - The bonds will have a fixed interest rate of 2.37% for the first five years, with interest rate adjustments every five years thereafter [1] - The bonds will be recorded on November 18, 2025, and officially issued on November 20, 2025, with interest starting on the same day [1] Group 2: Regulatory Approvals - The issuance was approved by the National Financial Regulatory Administration and the People's Bank of China [1] - The bond issuance was reviewed and passed at the bank's first extraordinary general meeting of 2024 [1] Group 3: Use of Proceeds - The funds raised from this bond issuance will be used entirely to supplement the bank's other Tier 1 capital [1]

Core Viewpoint - Bohai Bank has received approval to issue a perpetual capital bond, aimed at supplementing its Tier 1 capital [1] Summary by Sections Bond Issuance Details - The total scale of the bond issuance is RMB 10 billion [1] - The bond will have a fixed interest rate of 2.37% for the first five years, with interest rate adjustments every five years thereafter [1] - The bond will be recorded on November 18, 2025, and officially issued on November 20, 2025, with interest starting on the same day [1] Purpose of Fundraising - The funds raised from this bond issuance will be used entirely to supplement the bank's other Tier 1 capital [1]

Core Viewpoint - Bohai Bank has successfully issued a perpetual capital bond approved by regulatory authorities, aimed at enhancing its Tier 1 capital [1] Group 1: Bond Issuance Details - The total scale of the bond issuance is RMB 10 billion [1] - The coupon rate for the first five years is set at 2.37%, with subsequent adjustments every five years [1] - The bond was recorded on November 18, 2025, and officially issued on November 20, 2025, with interest starting on the same day [1] Group 2: Use of Proceeds - The funds raised from this bond issuance will be entirely used to supplement the bank's other Tier 1 capital [1]

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 CHINA BOHAI BANK CO., LTD. 渤海銀行股份有限公司 （於中華人民共和國註冊成立的股份有限公司） （股份代號：9668） 關於無固定期限資本債券發行完畢的公告 渤海銀行股份有限公司（「本行」）董事會（「董事會」）欣然宣佈，經本行2024年第 一次臨時股東大會審議通過，國家金融監督管理總局和中國人民銀行批准，本行 於全國銀行間債券市場發行了「渤海銀行股份有限公司2025年無固定期限資本債 券」（「本次債券」）。本次債券於2025年11月18日簿記建檔，於2025年11月20日發 行完畢，並於2025年11月20日正式起息。 本次債券發行總規模為人民幣100億元，前5年票面利率為2.37%，每5年為一個票 面利率調整期，在第5年及之後的每個付息日附發行人有條件贖回權。 本次債券的募集資金將全部用於補充本行其他一級資本。 承董事會命 渤海銀行股份有限公司 王錦虹 董事長 中國‧天津 20 ...

Core Insights - Bohai Bank Yantai Branch successfully tailored a comprehensive financial service solution combining "domestic letters of credit + forfaiting" to meet the financing needs of a technology enterprise, injecting 20 million yuan in inclusive trade financing this year [1][3][4] Group 1: Financial Service Innovation - The bank formed a specialized service team to conduct on-site research at the technology enterprise's production and R&D centers, leading to the innovative design of the financing solution [3] - The solution provided a solid credit backing for the enterprise's raw material procurement, significantly reducing the pressure of advance payment [3] - The forfaiting process allowed the enterprise to quickly realize accounts receivable, ensuring funds were directed towards production operations while simplifying payment processes [3] Group 2: Risk Management and Cost Efficiency - The financing model broke through collateral restrictions by focusing on real trade backgrounds and the credit of core enterprises, effectively addressing the "financing difficulty" faced by technology companies [3] - The use of forfaiting reduced the overall financing costs compared to traditional working capital loans, thereby alleviating the financial burden on the enterprise [3][4] Group 3: Commitment to Economic Development - This collaboration not only supports the stable development of the technology enterprise but also exemplifies Bohai Bank Yantai Branch's commitment to serving the real economy and innovating financial products [4] - The bank aims to further explore new risk control models that integrate core enterprise credit, trade document verification, and closed-loop funding, providing efficient financial solutions for similar small and medium-sized technology enterprises [4]

Group 1 - The core point of the article highlights that Bohai Bank's Fuzhou branch successfully facilitated financing for 21 upstream suppliers of a well-known sports brand through a supply chain finance model, with a total investment exceeding 68 million yuan in just one day [1] - The service not only alleviates financial pressure for small and medium-sized enterprises but also enhances the stability and competitiveness of the entire supply chain by leveraging the credit of core enterprises [1] - Bohai Bank has focused on addressing the financing challenges faced by small and micro enterprises in the supply chain, positioning supply chain finance as a key driver for inclusive financial development [1] Group 2 - The bank's online business process allows upstream suppliers to complete financing applications and related operations without offline efforts, achieving the fastest "same-day completion" from application to fund disbursement [2] - Utilizing big data risk control models and cross-verification of transaction data, the bank enhances the efficiency of the approval process [2] - Currently, Bohai Bank's customer acquisition ratio through core enterprises is as high as 1:10, with over 90% of new inclusive customers being driven by this model [2]

Core Insights - Small and micro enterprises are crucial to the real economy, contributing over 50% of tax revenue, 60% of GDP, 70% of technological innovations, 80% of urban employment, and 90% of the total number of enterprises, yet they face persistent challenges in financing [1] - The traditional credit model's reliance on collateral and cumbersome offline processes makes it difficult for small suppliers to obtain timely financial support, especially in the context of supply chain ecosystems [1][2] - Recent initiatives by Bohai Bank demonstrate the effectiveness of supply chain finance in enhancing capital efficiency and supporting the real economy, as evidenced by the rapid financing of over 68 million yuan for 21 suppliers in just one day [1][2] Company and Industry Developments - Bohai Bank has developed a service model that leverages the credit of core enterprises, allowing for a "core enterprise credit penetration + fully online process" approach to address the financing needs of upstream suppliers [2] - The bank's digital transformation includes a fully digitized process from financing application to fund disbursement, enabling some transactions to be completed on the same day, thus improving efficiency [2] - As of the end of 2024, Bohai Bank served 2,634 supply chain enterprises, a year-on-year increase of 126.8%, with supply chain financial product issuance reaching 257.19 billion yuan, up 36.69% year-on-year [3]