金融“升维”：当好现代化产业体系的“增长伙伴”

Core Viewpoint - The article highlights the transformation of Agricultural Bank's financial services, focusing on supporting technology-driven enterprises through innovative credit evaluation systems and a shift from traditional asset-based lending to a model that values intellectual property and technological capabilities [1][3][4]. Group 1: Agricultural Bank's Role in Supporting Technology Enterprises - Agricultural Bank has developed a "technology flow" evaluation system to provide precise financial support to technology enterprises, moving beyond traditional collateral-based lending [3][4]. - The bank has successfully provided loans to companies like Pangu Power Technology Co., Ltd., which has become a benchmark in the diesel generator market, showcasing the effectiveness of this new lending approach [3]. - The bank's financial support has enabled companies to accelerate their technological advancements and product quality improvements, as seen with companies like Yongxu New Materials [4]. Group 2: Comprehensive Financial Services - Agricultural Bank has established a comprehensive financial service system that includes investment, loans, bonds, leasing, and consulting, catering to the entire lifecycle of technology enterprises [7]. - The bank's approach has evolved from merely providing financing to becoming a strategic partner that supports the long-term growth and development of enterprises [6][7]. - The bank has engaged in equity investments and long-term capital support for companies like Saisir Group, enhancing their competitive edge in the market [6]. Group 3: Systematic Integration of Financial Services - The bank is shifting from single-point support to a systematic integration of financial services that fosters an entire industrial ecosystem [8][9]. - By designing tailored credit models for specific industrial chains, Agricultural Bank aims to enhance the overall efficiency and growth of key sectors [8]. - The bank has established a network of technology financial service centers and specialized branches to improve the precision and coverage of its services [8]. Group 4: Building a Collaborative Financial Ecosystem - Agricultural Bank is actively participating in creating a collaborative financial ecosystem that connects technology, industry, and finance, exemplified by its involvement in various funds and investment initiatives [9]. - The bank's efforts include establishing a 500 billion yuan innovation fund and issuing technology innovation bonds, which support the growth of technology-driven enterprises [9]. - The transformation of Agricultural Bank's financial services reflects a broader trend towards integrating financial support with industrial development, essential for China's modernization efforts [9].