Mei Ri Jing Ji Xin Wen·2025-09-16 09:46Core Viewpoint - Postal Savings Bank of China (PSBC) is actively enhancing its support for technology-driven enterprises through specialized financial services, aiming to inject financial vitality into technological innovation and assist companies in their growth and transformation [1][2][4]. Group 1: Financial Support and Services - As of mid-year, PSBC has served over 100,000 technology enterprises, with a technology loan balance exceeding 930 billion yuan, reflecting a net increase of over 90 billion yuan this year [1]. - The bank is issuing technology innovation bonds and underwriting national technology innovation bonds to strengthen financial support for technological innovation [1][7]. - PSBC is establishing a financial asset investment company, which will be the last major state-owned bank to fully engage in the AIC (Asset Investment Company) sector, contributing to a comprehensive national team for technology finance [1][7]. Group 2: Specialized Financial Framework - PSBC has formed a specialized team and established a technology finance center to drive innovation in technology finance, focusing on industry research, risk control, market expansion, and resource support [2]. - The bank is developing a multi-layered specialized financial institution system to provide comprehensive financial services throughout the lifecycle of technology enterprises [2][3]. Group 3: Product and Service Innovation - PSBC has launched the "U益创" technology finance brand, which includes five product lines to offer comprehensive financial services such as capital operation, payment settlement, and wealth management [4]. - The bank employs a "look to the future" evaluation model to assess the innovation capabilities and long-term development prospects of technology enterprises, facilitating tailored credit loan support [4]. Group 4: Collaborative Ecosystem Development - PSBC is actively building a "government-enterprise-research-investment" ecosystem to provide diversified services covering the entire lifecycle of enterprises [5]. - The bank's initiatives include hosting events to connect technology enterprises with financial services, emphasizing a dual empowerment approach for hard technology and talent [5]. Group 5: Bond Issuance and Investment Activities - In July, PSBC announced plans to invest 10 billion yuan to establish a financial asset investment company, enhancing its support for technological innovation and private enterprises [7]. - The bank successfully issued 5 billion yuan in technology innovation bonds in August, with a subscription multiple of 2.5, aimed at financing technology-related projects [7][8]. - PSBC's subsidiary, Zhongyou Wealth Management, has invested 23.619 billion yuan in technology-related bonds, marking a 13.5% increase, and 1.389 billion yuan in equity assets, a 269.41% increase, indicating a strong commitment to technology finance [8].