Xin Hua Wang·2025-11-26 11:24Core Insights - Financial services are becoming a key driver for technological innovation and industrial upgrading in Tianjin, establishing a "technology-industry-finance" new cycle mechanism [1] - Tianjin is breaking down information barriers and building a comprehensive financial service system that covers the entire lifecycle of technological innovation [1] Financial Support for R&D - Tianjin Postal Savings Bank quickly formed a specialized service team to support a local tech company, providing a "R&D loan" that significantly boosted their research efforts [2] - The company has developed over 10 related patents and created a library of ionizable lipids, overcoming traditional limitations in drug delivery technology [2] - The bank's loans to tech enterprises increased by nearly 50% in the first half of the year [2] Collaborative Financial Initiatives - Other banks, such as SPD Bank and ICBC, are also focusing on emerging fields like AI and life sciences, with SPD Bank issuing over 2 billion yuan in loans to more than 100 tech companies [3] - By the end of August, Tianjin's tech loans grew by 9.2% year-on-year [3] Long-term Mechanism Development - Tianjin is establishing a long-term mechanism for the "technology-industry-finance" cycle, utilizing policy tools like the Science and Technology Reform Re-loan [4] - The Tianjin Banking Association and the Tianjin Fund Association have published a reference list of key cooperative investment institutions to encourage collaboration between banks and venture capital [4] - Since the beginning of 2024, banks in Tianjin have issued 3.1 billion yuan in loans through a linked investment and loan model, benefiting 187 tech innovation companies [4] Innovative Financial Products - The "loan + external direct investment" model allows for more precise identification of funding needs for tech companies, facilitating liquidity between funding rounds [5] Policy Support and Ecosystem Building - The issuance of "technology bonds" has increased, with Tianjin's total issuance surpassing 20 billion yuan [7] - A technology financial roadshow center has been established, organizing 182 events and involving over 3,121 companies, aiding in financing efforts [7] - Tianjin aims to grow its innovation fund to over 200 billion yuan and its technology loan balance to over 1.1 trillion yuan by 2027 [7][8]