科技金融专访｜杨涛：国家层面可出台科技支行建设基本标准

Core Viewpoint - The establishment of specialized technology financial departments in large and medium-sized banks is crucial for supporting technological innovation and enhancing financial services tailored to the needs of tech enterprises [2][3]. Group 1: Technology Financial Departments - Large and medium-sized banks have set up specialized technology financial departments at both head office and provincial branch levels, with a total of 2,178 technology branches established nationwide [2]. - The creation of specialized institutions facilitates the exploration of organizational systems that meet the needs of technology finance, allowing for more focused support for tech enterprises [3]. Group 2: Standards for Technology Branches - There is a need for national and local standards for the construction of technology branches, focusing on basic characteristics and operational elements [4][5]. - Local standards should consider regional differences in technological innovation capabilities and the specific needs of tech enterprises, as seen in recent guidelines from Shenzhen and Shanghai [5]. Group 3: Risk Management and Accountability - The complexity of risk identification in technology finance necessitates a robust due diligence and accountability framework, including the establishment of a negative list for exemptions and clear evaluation standards [6]. - Regulatory bodies should implement diversified assessments and continuous management to ensure effective risk management in technology finance [6]. Group 4: Application of Large Models - The application of large models in banking presents opportunities for enhancing financial services and driving digital transformation, but also raises concerns regarding interpretability and accuracy [7][8]. - Financial institutions must incorporate the interpretability of large models into management responsibilities and address issues such as algorithm transparency and alignment [8]. Group 5: Product Innovation - The current market for technology financial products exhibits signs of homogenization, necessitating a focus on innovative support models that align with the needs of technology enterprise clusters and industrial chains [9][10]. - Financial institutions should embrace digital transformation to better serve technology finance, addressing traditional challenges such as high costs and information asymmetry [10].