科技金融专访｜曾刚：科技金融产品“浅创新”等短板仍需突破

Core Insights - The number of technology branches in China has reached 2,178, serving as vital components in the technology financial service system, closely connected to innovation [2] - Current technology financial products in China exhibit "shallow innovation" and lack responsiveness in risk pricing and post-loan management, indicating a need for deeper integration with industry and innovation chains [2][13] Group 1: Structural Advantages - The three-tier structure of "Head Office Technology Financial Center - Branch Technology Center - Technology Specialty Branch" offers tighter vertical linkage, allowing for better resource allocation and strategic consistency [5] - This structure enables more specialized roles, enhancing service professionalism and response speed [5] - The innovative mechanisms within this framework are more adaptable to the diverse financial needs of early-stage technology enterprises [5] Group 2: Standards for Construction - Key dimensions for establishing technology branch standards include functional positioning, personnel construction, product innovation capabilities, risk control mechanisms, and operational management [6][7] - Emphasis on defining the service orientation towards technology and innovation enterprises to ensure substantial service capabilities [6] - Establishing a professional talent ratio and continuous training for technology financial roles is crucial for effective risk management [6][7] Group 3: Due Diligence and Liability - The implementation of due diligence exemption mechanisms faces challenges due to the unique characteristics of technology enterprises, such as asset-light models and cash flow volatility [9][10] - A unified, tiered recognition and quantitative evaluation system for due diligence exemptions is necessary to enhance operational effectiveness [10] Group 4: Application of Large Models - The banking sector is rapidly expanding the application of large models across various functions, but this also raises concerns regarding data security, compliance risks, and algorithmic bias [11][12] - Emphasizing data security and model transparency is essential to maintain customer trust and ensure compliance [11][12] Group 5: Product Innovation - Current technology financial products are becoming more diversified and tailored, yet they still suffer from "shallow innovation" and limited responsiveness to the dynamic needs of technology enterprises [13][14] - The market is experiencing issues of "involution" and imitation, highlighting the need for banks to focus on differentiated services and deeper integration with industry and innovation chains [15]