Bei Ke Cai Jing·2025-07-14 11:11Core Viewpoint - Technological innovation is a crucial driving force for China's economic development, with financial services playing an essential role in supporting the growth of technology-driven enterprises [1][2]. Group 1: Financial Support for Technological Innovation - Postal Savings Bank's Beijing branch focuses on six key industries: artificial intelligence, integrated circuits, information technology, pharmaceutical health, new energy, and new materials, providing tailored financial services to support the entire lifecycle of technology enterprises [1][2]. - The bank has established over 2,300 technology enterprise clients and provided loans exceeding 20 billion yuan [1]. Group 2: Innovative Financial Solutions - The bank has launched the "U Billion Computing" loan platform to address the unique needs of high-growth technology companies, emphasizing early, small, long-term investments in hard technology [2][3]. - A "Technical Flow" evaluation model has been implemented to better assess the value and risks of technology enterprises, facilitating easier access to credit for these companies [2][3]. Group 3: Product Development and Lifecycle Support - The bank has introduced a series of products tailored to the entire lifecycle of enterprises, including the "Easy Enterprise" platform for comprehensive financial management and the "U Benefit Innovation" financial brand with five service lines to meet diverse needs [3][4]. - The bank has successfully executed its first loan under the investment-loan linkage model, addressing the equity investment characteristics of technology enterprises [3]. Group 4: Strengthening Technological Capabilities - The bank is enhancing its technological capabilities by integrating advanced information technology with traditional banking services, exemplified by the opening of a new branch utilizing the HarmonyOS system [4][5]. - The establishment of the "Golden Harmony Laboratory" aims to deepen the integration of the Harmony system with financial terminals, contributing to national financial security [5]. Group 5: Promoting New Growth Drivers - The bank actively seeks to identify and support emerging industries, having hosted the "New Quality Wealth Competition" to showcase innovative technology companies in fields like biomedicine and artificial intelligence [6]. - The bank has organized multiple competitions to strengthen investment-loan linkages and enhance brand visibility, successfully attracting nearly 100 new clients [6]. Group 6: Future Strategies and Goals - The bank plans to deepen its three major linkages: public-private, investment-loan, and cross-departmental collaboration, to provide customized financial solutions [7]. - Future initiatives include increasing credit and medium-to-long-term loan offerings, optimizing product applications, and enhancing financial services for technology enterprise mergers and acquisitions [7].