Ren Min Ri Bao·2026-03-08 22:29Core Viewpoint - The Agricultural Bank of China is actively integrating into the national development strategy by enhancing its financial services for technology-driven enterprises, thereby supporting the construction of a modern industrial system and fostering new growth drivers in the economy [1]. Group 1: Financial Support for Technology Enterprises - The Agricultural Bank has served over 350,000 technology enterprises, with a technology loan balance exceeding 5 trillion yuan, indicating a continuous increase in the proportion of new loans allocated to this sector [1]. - The bank has established 25 technology financial service centers and over 300 specialized branches, creating a three-tiered service system to cater to the unique needs of technology enterprises [2]. - In 2025, the bank's Hebei Xiong'an branch provided 30 million yuan in loans to a traditional manufacturing company, enhancing its R&D capabilities and establishing partnerships with 53% of local technology enterprises, a 22.1% increase from the previous year [2]. Group 2: Comprehensive Financial Solutions - The Agricultural Bank has developed a comprehensive financial service plan called "Nongyin Chuangda," which integrates various financial products to support technology enterprises throughout their lifecycle [3]. - The bank utilized a "debt-equity" fusion model to assist Shenzhen-based Nanfei Microelectronics with 120 million yuan in credit and 170 million yuan in equity investment, addressing both short-term and long-term funding needs [3]. - The Shenzhen branch has served over 14,000 technology enterprises, with a loan balance exceeding 110 billion yuan, facilitating the development of hard technology industries [3]. Group 3: Innovative Financial Products - The Agricultural Bank has created a diverse range of specialized financial products, including "Innovation Credit Loans" and "Specialized Small Giant Loans," to meet the needs of technology enterprises [4]. - The bank's Shandong branch approved an 8 million yuan "Kejie Loan" within two working days to support a high-end manufacturing company, demonstrating its efficiency in addressing urgent funding needs [4]. - The bank has issued over 10 billion yuan in "Kejie Loans" to more than 7,000 small technology enterprises, effectively alleviating their financing challenges [4]. Group 4: Digital Integration in Financial Services - The Agricultural Bank has established a digital service platform that integrates data management, demand matching, and risk control, enhancing the precision of its financial services [5]. - This platform aims to transition from isolated customer service to comprehensive industry coverage, improving the overall efficiency of technology financial services [5]. Group 5: Support for Agricultural Technology Enterprises - The Agricultural Bank is committed to supporting agricultural technology enterprises, exemplified by its assistance to Lincon Shixin Agricultural Development Co., which faced funding challenges during its R&D phase [6]. - The bank's Yunnan branch developed targeted financing solutions to help agricultural enterprises overcome financial constraints, promoting a cycle of financial empowerment and agricultural innovation [6]. - The bank plans to continue enhancing its technology financial organization, optimizing support policies, and innovating financial products to foster the growth of technology enterprises [6].