Zhong Guo Jin Rong Xin Xi Wang·2025-11-04 08:55Core Viewpoint - Agricultural Bank of China (ABC) Beijing Branch prioritizes technology finance as a strategic business, focusing on the construction of the Beijing International Science and Technology Innovation Center, and actively innovating financial products and service models to support the development of new productive forces and cultivate new growth momentum [1][3]. Group 1: Product Innovation and Development - ABC Beijing Branch has iteratively upgraded the "Beijing R&D Loan" product to address the financing difficulties faced by technology enterprises, using technology projects and achievements as the basis for evaluating "future repayment ability" [1][2]. - The upgraded "Beijing R&D Loan" is designed to meet the flexible funding needs of technology enterprises in various scenarios, including technology innovation, project research and development, and technology achievement transformation [2]. - The bank has optimized the admission criteria by focusing on credit ratings, R&D investment, industry sectors, and research capabilities, moving away from traditional credit thinking that emphasizes financial statements and collateral [2]. Group 2: Financial Product Features - The credit limit can be flexibly calculated based on R&D investment, equity investment, operating income, and project needs [2]. - The maximum term for working capital loans can reach 5 years, while fixed asset loans for capitalized R&D projects can extend up to 10 years [2]. - The bank has expanded the types of collateral to include intellectual property, patent licensing income, and core professional equipment, enhancing credit options and supporting government risk compensation funds and guarantee insurance [2]. Group 3: Growth Metrics and Future Focus - As of September 2025, the loan growth rate for technology enterprises in Beijing reached 33%, with a compound annual growth rate of over 20% for strategic emerging industry loans in the past two years [3]. - ABC Beijing Branch will continue to focus on emerging pillar industries and future industry development layouts, innovating products and optimizing services to support modern industrial systems, agricultural technology enterprises, and key areas such as private and small technology enterprises [3].