Financial Support for New Quality Productivity Development - The development of new quality productivity is an intrinsic requirement for promoting high-quality development, with finance providing strong support for this initiative [1] - The China Development Bank has issued over 2 trillion yuan in strategic emerging industry loans and over 360 billion yuan in special loans for technological innovation and basic research since the 14th Five-Year Plan [1] - The bank's subsidiaries have invested over 380 billion yuan in supporting technological innovation and the transformation of the manufacturing industry, holding a dominant market position in multiple business areas [1] Role of Policy-Based Finance - The Export-Import Bank of China emphasizes that policy-based finance plays a crucial role in discovering markets, leveraging capital, and addressing market failures, continuously providing strategic, long-term, and patient capital for new quality productivity [2] - As of now, the balance of technology loans at the bank stands at 1.4 trillion yuan, accounting for over 25% of the total loans [2] Challenges in Financial Support for Technology Enterprises - The Vice Chairman and President of Bank of China highlights three key issues in supporting the development of new quality productivity through finance: the need for technology results to transition from laboratory to industrialization, the challenge of accurately assessing the value of technology enterprises, and the comprehensive financial needs of the entire innovation chain [2][3] - There is a need for financial institutions to enhance their collaborative service capabilities and to provide more integrated financial products and services [3] Building a Technology Financial Ecosystem - To address the aforementioned challenges, there is a call to accelerate the creation of a technology financial ecosystem that offers relay-style comprehensive financial services [3] - A systematic, full-chain, and integrated technology financial ecosystem should meet four basic conditions: complete participation subjects, clear division of responsibilities, adaptable product systems, and sound supporting mechanisms [3] Artificial Intelligence in Financial Innovation - The application of artificial intelligence (AI) in the financial sector presents both opportunities and challenges, with a focus on the need for regulatory coordination and cooperation globally [4] - AI can enhance efficiency and meet customer needs, thereby increasing the competitiveness of financial institutions, but it also poses challenges related to technology maturity, security, privacy, and the future development of financial institutions [4] Recommendations for AI Development in Finance - Suggestions include building foundational infrastructure for AI in finance, creating a secure and trustworthy development environment, and fostering an open and collaborative innovation ecosystem [4] - There is a call for regulatory bodies to play a bridging role in establishing collaborative innovation platforms across institutions and sectors [4]
★业内人士建言 加速打造科技金融生态圈
Zhong Guo Zheng Quan Bao·2025-07-03 01:55