Han's Laser(SZ:002008) Hua Xia Shi Bao·2025-12-04 10:17Core Insights - The article highlights the strong pulse of technological innovation in the Guangdong-Hong Kong-Macao Greater Bay Area, showcasing the integration of finance and technology as a core competitive arena [2] - It emphasizes the shift in financial services from traditional lending models to a more ecosystem-oriented approach that supports the entire lifecycle of tech enterprises [2][7] Group 1: Financial Services Transformation - The traditional financial model, which relies heavily on collateral and financial statements, creates a significant gap for high-tech startups, leading to challenges in securing financing [3] - 恒丰银行 (Hengfeng Bank) is addressing this gap by forming specialized teams that understand the industry, policies, and finance, and by offering customized financing solutions like "factory mortgage loans" tailored to the growth cycles of tech companies [5][7] - The bank has successfully provided over 1 billion yuan in loans to 24 small and micro enterprises in the增城数创中心 (Zengcheng Digital Innovation Center), with 50% of these companies achieving their first financing breakthrough [7] Group 2: Support for High-Tech Enterprises - Guangdong 蓝科车仆实业有限公司 (Blue Science Carpu Industrial Co., Ltd.) benefited from a 3.35 million yuan factory mortgage loan with a 20-year term, which aligned with its long-term development plans [6] - 广州玛太电子有限公司 (Guangzhou Matai Electronics Co., Ltd.) received a 7.66 million yuan factory mortgage loan along with payroll services, demonstrating a comprehensive financial support model [6] - The bank's innovative risk assessment system moves away from traditional collateral models, focusing instead on technology barriers, market potential, and team capabilities [7][15] Group 3: Comprehensive Financial Support in Shenzhen - 恒丰银行's Shenzhen branch has provided 5.6 billion yuan in loans to tech enterprises since its establishment, positioning itself as a key player in the regional tech finance ecosystem [8][11] - The partnership with 大族激光科技产业集团股份有限公司 (Han's Laser Technology Industry Group Co., Ltd.) exemplifies a strategic collaboration where financial services extend beyond mere funding to include industry insights and support for supply chain stability [11][12] - The bank's services encompass a full range of financial needs, from working capital to long-term funding strategies, ensuring a stable supply chain for its clients [12] Group 4: Ecosystem Collaboration - The development of a robust ecosystem for tech finance relies on collaboration among banks, government, and enterprises, with Shenzhen's government providing risk compensation funds to enhance banks' confidence in lending to tech firms [13] - In Guangzhou, 恒丰银行 collaborates with innovation parks to improve service efficiency and reduce costs, addressing information asymmetry between banks and enterprises [14] - The bank employs advanced technologies like AI and big data to enhance risk management and streamline the evaluation process for tech enterprises [15] Group 5: Future Directions - 恒丰银行 aims to deepen its focus on supporting enterprises with advanced technology and innovation capabilities, particularly in critical areas of national technological innovation [16] - The bank is committed to enhancing its role in supporting industrial innovation and contributing to high-quality development in the financial sector [16][17]