浙商银行公司银行部副总经理李林：科技金融要实现三个“转变”

Core Viewpoint - Zhejiang Zheshang Bank is positioned as a technology-driven bank, emphasizing the importance of adapting its services to meet the diverse needs of technology enterprises at different growth stages [1][3]. Group 1: Transformations in Service - The bank aims to shift from single-point services to comprehensive services, recognizing that technology companies require diverse support beyond traditional credit services [2]. - There is a need to transition from a short-term profit focus to a long-term partnership approach, particularly for early-stage technology firms that require sustained support [2]. - The interaction model is evolving from passive response to proactive empowerment, with banks needing to engage more actively with technology enterprises to understand their financing needs [2]. Group 2: Talent Bank Initiative - Since 2016, Zhejiang Zheshang Bank has launched the "Talent Bank" service brand, targeting high-level talent returning to China for innovation and entrepreneurship, marking a significant shift in traditional credit assessment methods [4]. - The "Talent Bank" initiative has supported over 35,000 technology enterprises, providing financing support exceeding 460 billion yuan, and has assisted over 100 companies in entering capital markets [5]. Group 3: Support for Technology Enterprises - The bank has developed a scoring system for technology innovation based on big data risk models, offering initial funding to startups that may lack collateral [5]. - For growing enterprises, the bank provides substantial funding support during critical growth phases, despite potential financial losses, to facilitate ongoing research and development [5]. - In the biopharmaceutical sector, despite challenges, the bank has increased its investment and developed loan products tailored for long-term research scenarios, reflecting confidence in the sector's growth [6]. Group 4: Comprehensive Financial Services - The bank offers a full range of services for mature technology enterprises, including support for industrial chain layout, globalization, and capital operations, helping convert technological advantages into market power [6]. - Zhejiang Zheshang Bank actively participates in the issuance of technology innovation bonds and assists small and medium-sized enterprises in issuing intellectual property ABS financing products to reduce financing costs [6]. - The bank has introduced cross-border financial solutions under the "Belt and Road" initiative to support Chinese enterprises in their global expansion [6]. Group 5: Human Element in Financial Services - The bank emphasizes the importance of human resources in linking banks with technology enterprises, planning to establish 100 specialized teams in technology finance to resonate with the needs of these enterprises [7]. - The bank aims to contribute to the establishment of a technology finance ecosystem, promoting self-reliance and strength in the face of significant global changes [7].