券商中国·2025-04-01 12:45Core Viewpoint - The article discusses the implementation plan for high-quality development of technology finance in the banking and insurance sectors, aiming to provide precise and efficient financial support for key areas of technological innovation over the next five years [1]. Group 1: Strengthening Technology Financial Services - The plan outlines 20 specific measures to enhance the service mechanisms, product systems, professional capabilities, and risk control abilities of technology finance [1]. - It emphasizes increasing credit loans and medium-to-long-term loans for technology enterprises, allowing banks to flexibly set loan interest rates and repayment methods [2]. Group 2: Loan Management and Growth - The revised liquidity loan management regulations specify that the maximum term for liquidity loans is generally three years, extendable to five years for businesses with longer cash flow recovery cycles [3]. - Major state-owned banks have reported a loan growth rate exceeding 15% for strategic emerging sectors, with some banks like China Construction Bank and Bank of China exceeding 26% [3]. Group 3: Policy Trials and Collaborations - The plan encourages the optimization of technology insurance services, the promotion of technology finance policy trials, and collaboration between banks and venture capital institutions [4]. - It aims to expand the pilot programs for financial asset investment companies (AIC) to regions with strong economic capabilities and a high number of technology enterprises [4]. Group 4: Investment and Funding Strategies - As of February, five AICs established by major state-owned banks have signed agreements covering 18 pilot cities, with a total signing amount exceeding 350 billion [5]. - The plan supports banks in issuing technology innovation notes and asset-backed securities for qualified technology enterprises [6]. Group 5: Internal Mechanisms and Digital Empowerment - The plan highlights the need to optimize internal assessment and incentive mechanisms, increasing the weight of technology finance indicators in performance evaluations [6]. - It emphasizes the importance of digital empowerment for financial institutions, encouraging the development of digital tools to enhance risk management and operational efficiency [6]. Group 6: Collaborative Efforts - Financial regulatory bodies are urged to strengthen collaboration with local technology and development reform departments to address practical issues in technology finance services [7]. - Local departments are encouraged to provide financial support through loan interest subsidies and risk mitigation measures for key areas of technological innovation [7].