Xin Lang Cai Jing·2025-11-13 09:22Core Insights - The Agricultural Bank of China emphasizes the importance of financial services in supporting the construction of a modern industrial system, focusing on adjusting asset structures and optimizing asset quality [1][2] - The bank has identified over 30 strategic, key, and advantageous industries to align with national and local industrial development plans, implementing differentiated credit policies tailored to specific needs [1][2] Group 1 - The bank aims to enhance support for high-tech fields, particularly in critical core technologies, by integrating into a new national system and increasing support for units undertaking major national scientific tasks [2] - For technology-based small and medium-sized enterprises (SMEs), the bank is innovating credit quality models based on different life cycle stages (startup, growth, maturity) to address challenges in asset-light evaluations [2] - Currently, over 50% of loans to technology enterprises are pure credit loans, indicating a shift towards more flexible financing options for these businesses [2]