从“金融支持”到“生态共建”，银行全方位助力低空经济

Core Insights - The low-altitude economy is transitioning from a blueprint to a trillion-yuan scale by 2025, representing a new production force that encompasses the entire industry chain, including manufacturing, flight services, and airspace management [1] - Financial institutions are diversifying their participation in the low-altitude economy, moving beyond traditional credit support to equity investment, financial leasing, and ecosystem co-construction [1] - Major banks, including state-owned and joint-stock banks, are actively engaging in the low-altitude economy, forming strategic partnerships and providing substantial financing to eVTOL manufacturers [2][3] Financial Institutions' Involvement - China Bank signed a strategic cooperation agreement with Shanghai Volant Aviation Technology, committing to purchase 100 eVTOL aircraft and providing at least 1 billion yuan in comprehensive credit [1] - Shanghai Pudong Development Bank's leasing arm is collaborating with Fengfei Aviation Technology to provide full-scale financial leasing services for 100 eVTOL aircraft, exceeding 1 billion yuan [2] - Construction Bank plans to provide over 10 billion yuan in financing for the construction of the Zigong Aviation Industrial Park over the next five years [2] Regional Banks and Support - Local banks are focusing on regional characteristics, offering a range of services to support low-altitude economy enterprises at different growth stages [3] - Beijing Bank's Suzhou branch has established a task force to provide comprehensive financial services, including loans, equity financing, and supply chain finance [3] Industry Characteristics and Challenges - The low-altitude economy faces challenges such as long R&D cycles, asset lightweighting, and difficulties in risk assessment, necessitating multi-faceted support from financial institutions [3] - The industry requires substantial long-term funding to support core technology development, talent acquisition, and equipment upgrades [3] Strategic Advantages for Banks - Early engagement in the low-altitude economy allows banks to establish first-mover advantages and deepen ties with leading enterprises, providing new growth points for traditional banking services [4] - Supporting strategic emerging industries like the low-altitude economy enhances banks' social responsibility image and brand value [4] Recommendations for Financial Innovation - Banks are encouraged to innovate business models and financial products within the industrial finance framework, focusing on the long industry chain of the low-altitude economy [5] - Collaboration with insurance institutions and alignment with local government policies supporting the low-altitude economy is recommended [5]