中流击水 更需奋楫

Core Insights - The exploration of technology finance by commercial banks has undergone significant changes, shifting from being mere fund providers to becoming financial planning guides for technology enterprises [1] Group 1: Identity Transformation - Commercial banks have transitioned from being "creditors" to "partners" of enterprises, enhancing the value perception of frontline staff in supporting technology enterprise development [1] - The assessment mechanism has been adjusted to incentivize grassroots staff [1] Group 2: Timing of Intervention - Loan support for technology enterprises has shifted earlier in their growth stages, with major banks collaborating with venture capital institutions and industrial parks to establish various incubation bases [1] - The approach of "investing early and small" is being explored [1] Group 3: Evaluation Methods - The evaluation of technology enterprises has moved from a historical perspective to a future-oriented approach [1] - A digital evaluation system has been established by major commercial banks, incorporating factors such as "investment flow," "technology flow," "talent," and "intellectual property" for comprehensive scoring [1] Group 4: Service Philosophy - Commercial banks are recognizing their limitations and are shifting from isolated efforts to actively participating in ecosystem construction, collaborating with various institutions to nurture the technology innovation environment [2] - Some state-owned banks have upgraded their philosophy from supporting the enterprise lifecycle to focusing on the technology lifecycle, providing financial guidance and enhancing support systems [2] Group 5: Internal Mechanisms - Commercial banks are reforming their internal mechanisms by establishing dedicated departments for technology finance and implementing vertical management to improve service efficiency [2] - The assessment indicators have been reformed to allow for a certain level of risk tolerance in technology finance business, thereby stimulating the enthusiasm of frontline personnel [2] Conclusion - Despite the achievements in technology finance exploration, the banking industry is at a critical juncture, facing new demands for innovation in financial services due to accelerated technological advancements [2] - To better serve high-level technological innovation, commercial banks need to address practical challenges and innovate solutions, starting from internal reforms to deepen the exploration of technology finance services [2]