Zhong Guo Zheng Quan Bao·2025-10-09 20:53Core Viewpoint - The article emphasizes the importance of technology finance in driving high-quality financial development in China, highlighting the proactive role of Bank of Communications in implementing national strategies for technological innovation and financial support for tech enterprises [1]. Group 1: Technology Finance Initiatives - Bank of Communications Shandong Branch has established a flexible team for technology finance, integrating various professional talents to support the entire lifecycle of technology enterprises [1]. - The branch has created a new model called "Jiaoyin Science and Technology Innovation," which encompasses a comprehensive digital service system for technology finance, covering industry research, customer access, product design, credit approval, and risk prevention [1]. Group 2: Digital Product System Development - The Shandong Branch has developed a customized product called "Kechuang Qilu Loan," utilizing an innovative evaluation model that integrates internal and external data to assess technology enterprises based on six key factors [2]. - The loan process is fully online, with credit limits up to 20 million yuan and approval times as fast as one day, significantly reducing financing costs for enterprises [2]. Group 3: Digital Risk Control and Monitoring - The Shandong Branch has implemented a full lifecycle management platform and a monthly risk monitoring mechanism to analyze various risks associated with approved clients, ensuring effective risk management [3]. - A risk monitoring report is generated monthly, providing insights into policy, industry, operational, and related party risks for clients [3]. Group 4: Commitment to Supporting the Real Economy - As a state-owned commercial bank, Bank of Communications is dedicated to enhancing its technology finance service capabilities and fulfilling its mission to support the real economy and maintain financial stability [4]. - The bank aims to meet the diverse financing needs of enterprises and contribute to high-quality financial development in the new era [4].