证券时报·2025-05-28 01:55Core Viewpoint - The rise of "Six Little Dragons" in Hangzhou highlights the importance of financial support for technological innovation, emphasizing a diversified financing support system involving securities, banks, funds, and trusts [1] Group 1: Financial Transformation - Financial industry faces three major changes: transformation and upgrade, repositioning to serve the real economy, and digitalization [4] - Financial services must evolve from serving individual enterprises to serving entire ecosystems, shifting from "pawnshop" finance to scenario-based finance, and from specialized services to comprehensive collaborative services [4] Group 2: Practical Explorations by Zhejiang Merchants Bank - Zhejiang Merchants Bank has implemented a financial advisor system to provide long-term, cross-license services to tech enterprises [5] - The "Good Credit" project aims to innovate credit risk management by focusing on social reputation and dynamic risk control rather than just financial metrics [6] - The bank promotes a chain-ecosystem finance model, integrating financial products seamlessly into enterprise operations using digital tools [5] Group 3: Policy Implementation and Support - The bank adheres to the "Good Financial" philosophy, creating a differentiated evaluation system for tech enterprises and enhancing the quality of tech financial services [6] - It emphasizes long-term investment strategies, considering non-financial indicators like technological innovation and business models in credit assessments [6] - The bank strengthens collaboration with venture capital, private equity, and government funds to enhance service offerings for tech enterprises [6] Group 4: Building a Financial Ecosystem - Zhejiang Merchants Bank aims to be a benchmark for financial support in common prosperity, developing a comprehensive product system tailored to the needs of tech enterprises [8] - The bank has launched the "Good Science Accompaniment Plan" to provide precise financial services throughout the lifecycle of tech enterprises [8] - It actively collaborates with various professional institutions to address challenges faced by enterprises, enhancing the overall tech financial ecosystem [8]