Zheng Quan Shi Bao·2025-12-04 17:52Core Viewpoint - The banking industry is focusing on technology finance as a strategic priority, driven by policy guidance and market dividends, with an emphasis on enhancing the "lending capability" after establishing mechanisms for "daring to lend," "willing to lend," and "able to lend" [1] Group 1: Organizational Structure - The five banks involved have prioritized technology finance, emphasizing the establishment of specialized teams and optimized organizational structures as essential for developing technology finance business [2] - China Bank has created a multi-level organizational structure for technology finance, enhancing its capabilities through specialized branches in key regions [2] - SPD Bank aims to position technology finance as its "primary strategic track," developing a comprehensive organizational framework to support this initiative [2] Group 2: Product and Service Development - Ping An Bank has set up technology finance centers at both the headquarters and key regional branches, offering a range of products that cater to various client segments, including strategic and inclusive customers [3] - Beijing Bank has established a specialized system for technology finance, launching products like "Linghang e-loan," which has exceeded 140 billion yuan in loans [3] Group 3: Risk Identification and Management - The challenge of aligning traditional risk assessment methods with the characteristics of technology enterprises, particularly SMEs, is a significant issue for the banking sector [4] - Ping An Bank addresses this by forming industry research teams and developing proprietary evaluation systems to assess the technological strength and sustainability of enterprises [4][5] - Beijing Bank has created a dual-approach system combining offline credit committees and online approval systems to better understand and evaluate technology firms [5] Group 4: Market Dynamics and Development Strategies - The banking sector is witnessing a shift from primarily credit-based services to a focus on technology investment banking, indicating a more competitive landscape [6] - SPD Bank has noted a mismatch between the supply of loans and the actual demand from technology firms, particularly startups, suggesting a need for better alignment [6] - Recommendations for addressing market "involution" include focusing on the quality of loans, innovating product offerings, and utilizing syndicate loans to spread risk [7]