Xin Hua Wang·2025-09-30 07:58Core Insights - The article discusses the innovative approaches taken by CITIC Bank in the realm of technology finance, emphasizing a shift from traditional credit reliance on historical financial performance to a focus on future potential [1][2][3] Group 1: Innovative Financial Products - CITIC Bank has introduced a "choice loan" model that allows for the financing of high-tech enterprises, particularly those with intangible assets like intellectual property, thus overcoming traditional collateral barriers [1] - The "Mid-term Research Insurance Loan" combines credit support and risk compensation, facilitating the transformation of scientific research into production [2] - A comprehensive product service system has been established, covering various stages of enterprise development, including "Technology Achievement Transformation Loan" and "Torch Loan" [2] Group 2: Ecosystem Empowerment - CITIC Bank is creating a collaborative ecosystem involving government departments, investment institutions, and industry leaders to provide diversified financial services throughout the entire lifecycle of technology enterprises [5] - The establishment of a Technology Finance Center at CITIC Bank aims to integrate resources and expertise to better serve the diverse needs of technology companies [3][4] Group 3: Collaborative Efficiency - The CITIC Equity Investment Alliance has been launched to provide a one-stop comprehensive financial service model, focusing on early-stage technology enterprises [6] - As of July 2024, the CITIC Equity Investment Alliance manages over 320 billion yuan in funds and has invested in over 1,100 technology companies [6] Group 4: Performance Metrics - As of June 2025, CITIC Bank's technology enterprise loan balance reached 660.637 billion yuan, reflecting an 8.14% increase year-on-year, with a customer base of 92,100 technology clients [7] - The bank has successfully engaged with national-level specialized and innovative enterprises, with a total of 10,947 accounts opened in this segment [7]