为科创企业“雪中送炭”： 商业银行需转变经营理念

Core Viewpoint - The fundamental requirement of the financial reform for technology innovation is for financial institutions, especially commercial banks, to shift from providing supplementary services to established tech companies to offering essential support to startups and early-stage tech enterprises [1] Summary by Sections Challenges in Technology Innovation Financial Reform - The main challenge in technology innovation financial reform lies in the difficulty of risk control for commercial banks [2] - The lack of a comprehensive intermediary service system undermines the risk control foundation for commercial banks, as they struggle to assess the value of intellectual property due to insufficient evaluation capabilities and incomplete transaction mechanisms [2] - Identifying the innovation level of tech enterprises is challenging, complicating risk assessment for commercial banks [3][4] - Recognizing operational risks in tech enterprises is difficult, with an 80% failure rate for startups, leading to cautious support from banks [5] - The low comparative returns from tech innovation finance make it harder for banks to engage effectively, as the risks outweigh the potential rewards [6][7] Need for Transformation in Commercial Banks - To overcome the challenges in risk control, commercial banks must transform their operational philosophies [10] - Banks need to break through traditional risk control concepts, embracing the inherent risks in supporting tech innovation [11] - A shift in evaluation methods for tech enterprises is necessary, moving from historical data to future potential assessments [12] - The risk evaluation model must adapt to the higher risks associated with early-stage tech companies, increasing tolerance for risk [13] - New talent evaluation and utilization standards are required to support the unique needs of tech innovation finance [14] Talent Development for Tech Innovation Finance - There is a need for operational talent in tech innovation finance, requiring training for existing staff and collaboration with educational institutions to prepare new talent [15] - Reform-minded talent is essential, possessing innovative thinking and a solid understanding of modern technology [15] - Application-oriented research talent is necessary to summarize and promote successful practices in tech innovation finance [16] Profit Model Transformation - Commercial banks must transition from traditional profit models based on interest rate spreads to new models that leverage tech innovation finance [17][18]