从“看砖头”到“看专利”，厦门国际银行省内科技金融贷款增速突破65％的秘密｜做好五篇大文章调研行

Core Viewpoint - Xiamen International Bank has launched innovative financial products such as "Intellectual Property Pledge Loan" and "Sci-Tech Loan" to address the financing challenges faced by technology enterprises lacking fixed assets, shifting the focus from traditional asset-based lending to technology-based assessments [2][3][5] Group 1: Financing Solutions for Tech Enterprises - The bank has developed a specialized intellectual property evaluation system, where the value of a patent can surpass that of a factory [2] - The number of industries supported by the bank has expanded from 4-5 to 53, including cutting-edge sectors like AI, new energy vehicles, humanoid robots, semiconductors, and biomedicine [2][6] - A new quantitative evaluation model has been created to assess credit risk for tech companies at different development stages, moving away from traditional financial data reliance [3][5] Group 2: Addressing Data Scarcity - Many tech companies face challenges due to insufficient publicly available financial and operational data, especially during their startup phase [4] - The bank incorporates external intellectual property data and manual reviews to enhance risk assessments, evaluating companies based on patents, publications, and funding rounds [4][5] Group 3: Comprehensive Financial Services - Xiamen International Bank offers a full lifecycle of financial services tailored to tech companies, from seed to mature stages, addressing their unique funding needs [5][6] - Specific products like "Credit Enhancement Fund Loan" and "Fast E-Loan" are designed for seed-stage companies, while "Knowledge Property Pledge Loan" supports those in growth stages [6][7] Group 4: Growth in Technology Finance - The bank's technology finance loan balance in Fujian province increased by over 65% year-on-year, reflecting a strong demand for tech financing [7] - In 2024, the bank plans to increase its corporate loans by nearly 20 billion yuan, with a significant portion directed towards small and micro enterprises [7][8] Group 5: Cross-Border Financial Services - Xiamen International Bank has established a strategic presence in Hong Kong and Macau, enabling it to provide comprehensive financial services for Chinese enterprises going abroad [8][9] - The bank's cross-border financial business has surpassed 10 billion yuan, accounting for 20% of its corporate business, highlighting its growing influence in this sector [9][11] Group 6: Future Directions in Cross-Border Finance - The bank aims to integrate technology and cross-border finance, enhancing digital capabilities across the entire service lifecycle [12][13] - Plans include developing digital risk control models and fostering collaborations with logistics and e-commerce entities to streamline financing services for cross-border supply chains [12][13]