Bei Jing Wan Bao·2025-12-11 07:20Core Insights - The article highlights how Zhejiang Merchants Bank's Beijing branch has transformed technology finance into an "ecological project" over five years, integrating a "good" gene into the entire lifecycle of innovative enterprises to provide precise financial support for small and beautiful tech companies [1] Group 1: Financial Solutions for Tech Enterprises - Zhejiang Merchants Bank's Beijing branch has developed a "10+N" financial advisor service system, which includes 10 types of "park loans" covering various financial needs from entry to transformation, along with additional customized services for precise empowerment [2] - The bank has introduced 30 types of financial products tailored to 15 major scenarios, including initial startup, R&D, and IPO, creating a comprehensive "toolbox" for tech enterprises [3] Group 2: Collaborative Ecosystem - The bank's "good financial" philosophy emphasizes a customer-centric approach, building a multi-party collaborative ecosystem involving government, banks, guarantee companies, and investment entities to support tech enterprises [4] - The bank has established a "risk-sharing pool" with local guarantee companies, providing up to 80% risk compensation for early-stage tech companies [5] Group 3: Digital Transformation - By 2025, the bank plans to launch the "Tech Innovation e-Station" digital platform, integrating 12 functions to streamline the loan process, significantly reducing processing time by 60% [6] - The bank aims to enhance service efficiency through a digital inclusive product system, allowing enterprises to complete the entire loan process online with minimal physical interaction [6]