宁波银行南京分行：全周期赋能科创企业 书写科技金融大文章

Core Insights - Technological innovation is identified as the core driving force for high-quality development, with finance serving as the "living water" that nourishes innovation [1] - Ningbo Bank Nanjing Branch has established a comprehensive financial service system covering the entire lifecycle of technology enterprises, providing differentiated financial products and resource integration to inject strong momentum into innovation-driven companies [1] Group 1: Full-Cycle Financial Services - Ningbo Bank Nanjing Branch has developed a full-cycle financial service system that covers the stages of "startup, R&D, and expansion," tailored to meet the diverse financing needs and risk characteristics of technology enterprises [3] - For startups facing challenges like "light assets and lack of collateral," the bank offers "Talent Loans" with a maximum credit limit of 8 million yuan for nationally recognized talents [3] - During the R&D phase, the bank focuses on four key areas, providing special credit lines of 3 to 5 million yuan based on technology validation progress to accelerate product commercialization [3] - For enterprises in the expansion phase, the bank offers credit lines up to 20 million yuan based on orders and sales revenue, supporting production expansion and market development [3] - A specific case highlighted a technology company that achieved a threefold revenue increase in 2024 after receiving a 10 million yuan credit loan and completing two rounds of equity financing through the bank's support [3] Group 2: Financial and Industrial Ecosystem - Ningbo Bank Nanjing Branch is actively building a "finance + industry" ecosystem, integrating resources to empower technology enterprises comprehensively [5] - The bank has established a four-dimensional empowerment platform that includes "funding, industry, policy, and management," and has organized 210 financing roadshows, connecting 400 registered enterprises with over 1,000 external capital sources [5] - To enhance capital operation capabilities, the bank has conducted over 80 training sessions on key topics such as equity design and IPO review [5] - A specific example includes a technology company specializing in carbon measurement systems that was introduced to a petrochemical company for supply-demand matching through the bank's supply chain connection system [5] - The bank's technology enterprise cultivation database currently includes 590 companies, with over 40% successfully obtaining external capital support, demonstrating significant resource integration effectiveness [5] Group 3: Mechanism Innovation - To address the contradiction between the high risks of technology enterprises and the stable operation of banks, Ningbo Bank Nanjing Branch has innovated its mechanisms through a "liability exemption + incentive" dual-drive approach [7] - The bank has clarified the exemption conditions for non-performing loans related to technology enterprises, reducing pressure on credit personnel through performance evaluations [7] - It has also set a tolerance for non-performing loans in inclusive finance, implemented internal transfer pricing benefits, and VAT exemptions, while incorporating technology enterprise services into branch assessment systems to significantly enhance the service enthusiasm of client managers [7] Group 4: Future Outlook - Ningbo Bank Nanjing Branch aims to continue deepening technological financial reforms to contribute more "Ningxing wisdom" to Jiangsu's "strong province in technology" initiative, ensuring that financial resources effectively nurture every seed of innovation [8]