以下文章来源于风财眼 ，作者银行财眼 风财眼 . 风财眼致力于银行领域的原创报道，旨在履行媒体监督职责，以期共营健康的金融环境。 来源丨 凤凰网财经《银行财眼》 在前任行长"闪辞"，董事长代履职9个多月后，杭州银行行长人选终于落定。 1月12日，杭州银行公告称，董事会同意聘任张精科为该行行长。至此，"75后"副行长张精科被正式提拔为杭州银行行长，任职资格尚待监管部门核 准。 杭州银行2024年年报显示，彼时作为副行长的张精科以年薪252.57万元居高管层之首。 早在半个多月前，就有多家媒体报道张精科有望获得提拔。2025年，杭州银行经历了人事动荡，前任行长虞利明被传"失联"后卸任，董事长宋剑斌 代行行长期限已超监管红线。高层更迭的背后，尽管杭州银行在业绩上保持增长态势，但营收增速却创近年来最低水平，第三季度还出现了"增利不 增收"的局面。 01 为什么是张精科？ 在张精科出任新行长之前，杭州银行行长职位已空缺超过9个月之久。去年4月2日，时任杭州银行行长的虞利明被传"失联"。次日，杭州银行便发布 公告称，虞利明因个人原因辞职，由董事长宋剑斌代为履行行长职责。值得一提的是，彼时公告中未见对前行长的致谢词，只表示 ...

Core Viewpoint - The development of technology finance is essential for banking institutions, and Qilu Bank has made significant strides in this area by enhancing its top-level design, institutional construction, and product innovation to support technology-driven enterprises [1][3]. Group 1: Technology Loans and Support - As of November 2025, Qilu Bank's technology loan balance reached 51.8 billion yuan, serving over 10,000 technology-based enterprises, including 66% of specialized and innovative enterprises and 86% of "little giant" companies in Jinan [1]. - Qilu Bank issued a 2 billion yuan technology innovation bond with a 5-year term and a coupon rate of 1.84%, achieving a subscription multiple of 4.37 times, reflecting strong market confidence in the bank's performance [2]. Group 2: Financial Service System - Qilu Bank has established a multi-level, specialized financial service system for technology innovation, incorporating technology finance into its three-year development plan and focusing on a "three specialization" strategy: specialized business, industry focus, and professional personnel [3]. - The bank has created a full lifecycle service plan with innovative products tailored to the development characteristics of technology enterprises, including research loans and various financial solutions recognized as exemplary practices by the People's Bank of China [3]. Group 3: Ecosystem and Comprehensive Services - Qilu Bank has developed an ecosystem service system beyond traditional finance, forming alliances to provide a one-stop service for technology enterprises, including asset evaluation, loan guarantees, and equity investments [4]. - The bank's comprehensive services have empowered over 600 technology enterprises, enhancing their growth ecosystem and positioning the bank to continue innovating in the integration of technology and finance [5].

Core Insights - Zhuhai China Resources Bank has established three technology demonstration branches in the Guangdong-Hong Kong-Macao Greater Bay Area to enhance its technology financial services and support innovation-driven enterprises [1][5] - The bank aims to address the financial support gap for technology innovation, aligning its services with the region's development needs [1][5] Group 1: Branch Characteristics - The three technology demonstration branches focus on product-driven services, aligning with national innovation strategies and regional industry advantages [3] - They offer a comprehensive financial product system covering the entire lifecycle of enterprises, including "Run Chuang Loan," "Run Yan Loan," "Run Ke Loan," and "Employee Stock Ownership Loan" to meet diverse financing needs [3] - The branches are staffed by dedicated teams with extensive experience in serving technology enterprises, focusing on key sectors such as advanced manufacturing, new-generation information technology, artificial intelligence, low-altitude economy, and marine equipment [3] Group 2: Financial Strategy and Impact - China Resources Bank has prioritized technology finance, with a loan balance exceeding 25 billion yuan and nearly 3,000 technology enterprise clients, over 60% of which are specialized and innovative enterprises [5] - The establishment of these branches marks a significant milestone in the bank's implementation of its technology finance strategy, aiming to accelerate product innovation and deepen cooperation among government, banks, and enterprises [5] - The bank plans to create a diversified service ecosystem centered around these branches, contributing to the enhancement of technology financial services across the Greater Bay Area [5]

边界智能 Blanjie.Al KPMG 毕马威 毕马威中国 2025 领先金融科 在此背景下，一家专注于 AI 与区块链创新实践的企业如何脱颖而出？ 毕马威中国客户及业务发展主管合伙人江立勤在活动现场提出：「金融科技作为连接金融与产业生态的核心纽带，正通过 AI、区块链、量子计算等前沿技 术的深度介入，重塑金融服务模式，推动金融资源更精准、高效地注入科技创新领域。」边界智能的创新路径与这一趋势高度契合。公司自主研发的「AI 智能引擎+区块链可信底座」技术体系，正成为其差异化竞争力的关键：一方面，AI智能体的场景渗透进一步深化，显著提升了流程自动化与智能决策水 平；另一方面，依托区块链的透明性与不可篡改特性，确保关键数据的真实、可溯与可信。两者的协同融合，不仅强化了技术效能，也构建起兼顾创新活力 与合规要求的独特优势。 边界智能自 2016 年成立以来，始终聚焦于人工智能与区块链技术的创新与发展，致力于提供智能技术及可信计算驱动的产品与解决方案。公司以智能体、 区块链及大数据隐私保护技术为核心，自主研发了面向行业的智能体方案，并基于独立打造的多链跨链分布式应用服务平台 AVATA、开放许可链文昌链、 企业级联 ...

Core Insights - Technological innovation is identified as the primary driving force for development, with a focus on enhancing the financial strategy and service system to support growth in the technology sector [1] Group 1: Company Development - Xiang Sai Optoelectronics, established in 2011, has focused on achieving self-sufficiency in high-end electronic materials, transitioning from reliance on imports to independent control [2] - The company has successfully integrated into the global semiconductor supply chain, with ambitions to contribute to the localization of upstream materials for the "light-chip-screen-end-network" ecosystem [2] Group 2: Financial Support - Industrial Bank's Wuhan branch has played a crucial role in supporting Xiang Sai Optoelectronics through various financing models, including a significant increase in credit lines to support the company's growth and new production base [2] - The bank has provided tailored financial solutions, such as a 30 million yuan credit loan processed in just three working days for another high-end copper strip manufacturer, demonstrating its commitment to addressing the financing needs of technology enterprises [3] Group 3: Strategic Focus - The bank has identified strategic emerging industries, including information technology, biomedicine, high-end equipment, new energy, and new materials, as core service areas, enhancing financial supply in these sectors [3] - The establishment of technology-focused branches in key innovation zones like Wuhan East Lake High-tech Zone is part of the bank's strategy to foster collaboration and innovation in the technology sector [3] Group 4: Performance Metrics - As of now, the bank has served 17,000 technology enterprises, with a total technology finance loan balance of 38.716 billion yuan [4]

Core Viewpoint - The financing accessibility for technology-based enterprises has significantly improved, with a loan approval rate of 50.3% for small and medium-sized tech enterprises as of September 2025, and interest rates continuing to decline [2]. Group 1: Industry Changes - The banking sector has optimized its technology financial services by enhancing approval efficiency and offering preferential policies on access and pricing [2]. - There is a high concentration of credit and value-added services in established tech companies, while early-stage and smaller enterprises still face challenges in accessing these services [2]. - The concept of "early investment" is emphasized, with Hangzhou Bank being a pioneer in this approach, exemplified by its role as the first lender to the private aerospace company Diwei II [2][3]. Group 2: Diwei II's Business Model - Diwei II focuses on providing satellite services and ground systems to countries lacking satellite infrastructure, with a business model that includes full-chain services such as satellite construction and technical training [4]. - The AI satellites developed by Diwei II can perform 400 trillion calculations per second, enabling rapid data processing that traditional satellites cannot achieve [4]. - Diwei II has secured contracts with Oman for satellite services aimed at land surveying and urban planning, indicating a strong international market potential [5]. Group 3: Collaboration with Hangzhou Bank - Hangzhou Bank has provided Diwei II with a low-interest loan of 20 million for payroll and R&D, showcasing its commitment to supporting early-stage tech companies [8]. - The bank employs a dynamic evaluation model for assessing the growth potential of startups, focusing on policy, capital, technology, team, and industry [8]. - Hangzhou Bank's technology loan balance reached 115.2 billion as of June 2025, with increasing support for emerging sectors like AI and commercial aerospace [10]. Group 4: Strategic Focus and Future Plans - Hangzhou Bank plans to target key areas in the AI industry, such as computing hardware and industrial applications, over the next 3-5 years [11]. - The bank's strategy includes a specialized organizational structure to support early investments and a risk management framework that allows for higher risk tolerance in tech financing [10]. - The bank aims to enhance its "early investment" approach by collaborating with research institutions and focusing on companies with stable teams and promising technology [9].

Core Insights - Shanghai Tensu Zhixin Semiconductor Co., Ltd. has successfully listed on the Hong Kong Stock Exchange, marking a significant milestone for China's domestic GPU industry and showcasing the country's advancements in computing infrastructure [1] - The partnership with SPD Bank highlights a shift in financing strategies for technology companies, focusing on future growth potential rather than traditional collateral-based assessments [2][3] Company Overview - Tensu Zhixin was established in December 2015, focusing on general-purpose GPU design, and has launched products like the Tianwei Gen1 and Zhi Kai Gen1 [2] - The company has faced challenges typical of the industry, such as high R&D costs and long return cycles, necessitating continuous financial support [2] Financial Support and Solutions - SPD Bank has introduced the "Puxin Loan" product to address immediate financial needs, such as payroll and procurement, while also providing a specialized "Puyuan Loan" worth several hundred million yuan to support long-term R&D efforts [3] - The bank has tailored flexible repayment terms to accommodate the lengthy development cycles of chip technology, thereby reducing financing costs for Tensu Zhixin [3] Ecosystem Development - SPD Bank is not only providing credit support but also leveraging its comprehensive service advantages to assist in resource coordination, market expansion, and investment opportunities for Tensu Zhixin [4] - The bank aims to create a synergistic ecosystem that includes equity investment and support for technology mergers and acquisitions, enhancing the company's growth potential [4] Future Outlook - The successful listing and ongoing development of Tensu Zhixin exemplify SPD Bank's commitment to supporting hard technology enterprises, with plans to further enhance its financial services to foster innovation and self-reliance in technology [5]

Core Viewpoint - The global economic landscape is undergoing significant adjustments, and the domestic economy is entering a new stage of high-quality development, presenting both strategic opportunities and transformation challenges for the financial sector [2][5]. Policy and Strategic Framework - The Central Financial Work Conference has set the ambitious goal of "accelerating the construction of a financial power," marking the first time this concept has been included in the five-year planning recommendations [6]. - A series of policies aimed at stabilizing growth, promoting innovation, and preventing risks have been implemented, with coordinated monetary and fiscal policies laying a solid foundation for the reform and development of the financial industry [6]. Financial Sector Initiatives - The "1+N" policy system has been established as part of the top-level design of the financial sector, providing precise navigation for industry development [6]. - Key initiatives include: - **Technology Finance**: Focused on achieving high-level technological self-reliance and empowering innovative enterprises [6]. - **Green Finance**: Aimed at supporting the comprehensive green transformation of the economy and society, aligned with the "dual carbon" goals [6]. - **Inclusive Finance**: Targeting underserved areas to ensure financial services reach every household [6]. - **Pension Finance**: Addressing the needs of an aging population and improving the social security system [6]. - **Digital Finance**: Leveraging technological innovation to reshape the financial service ecosystem [6]. Upcoming Events - The 18th Golden Unicorn Forum will be held on January 15, 2026, focusing on the banking and insurance sectors, with discussions on enhancing financial quality and efficiency to support high-quality economic development [7].

值得注意的是，2025年12月，杭州银行公告，公司董事会聘任原监事长、职工监事王立雄为副行长，其 任职资格尚待浙江金融监管局核准。张精科、王立雄上任后，杭州银行将形成"1正6副"的高管格局，且 均为"70后"，年轻化、专业化的管理梯队为后续战略落地提供了组织支撑。 科技金融"老将"能否扭转业绩下滑趋势 1月12日，杭州银行发布公告称，董事会已审议通过聘任副行长张精科为公司行长的议案。张精科的行 长任职自取得浙江金融监管局核准之日起生效。2025年4月，杭州银行原行长虞利明因个人原因辞职， 当时由董事长宋剑斌代为履行行长职责，至今已超过九个月。 从公开履历看，张精科是杭州银行现任最年轻的副行长，有着丰富科技金融领域管理经验。当前，杭州 银行正面临业绩增长放缓的挑战，2025年前三季度该行营收增速为1.35%，较净利润14.53%的增幅出现 明显落差，单季营收更是出现负增长。张精科的任命能否为杭州银行摆脱业绩下滑趋势、强化差异化竞 争优势注入新动能，成为市场关注的焦点。 董事长代任超9个月后，行长人选官宣 根据杭州银行公告，张精科现任该行党委副书记、副行长，其行长任职自取得监管核准之日起生效，在 此之前仍继续履行 ...

从公开资料可以看出，现任副行长张精科是杭州银行内部培养起来的干部。从复旦大学金融系本科毕业 之后，张精科便加入了杭州银行，历经多个岗位锻炼。他曾担任杭州银行科技支行副行长，杭州银行文 创支行行长，杭州银行资产管理部总经理，杭州银行科技文创金融事业部党委书记、总经理，杭州银行 党委委员、人力资源部总经理。 2023年7月，杭州银行公告聘任其为副行长，同年9月，国家金融监督管理总局浙江监管局核准其副行长 任职资格。 行长一职空缺9个月后，杭州银行决定内部提拔"75后"副行长张精科作为"接棒者"。 1月12日晚间，杭州银行公告称，公司董事会同意聘任张精科为公司行长，任期至第八届董事会届满之 日止，其任职资格待监管部门核准。 记者注意到，张精科是杭州银行内部培养起来的干部，从复旦大学金融系本科毕业之后，他便加入了杭 州银行，从公司客户经理做起，历经多个岗位锻炼。2009年杭州银行成立浙江省首家科技专营支行，张 精科作为该支行筹建班子成员之一，在工作中积累了丰富的经验，亦成为杭州银行科技金融业务的重要 开拓者之一。 新任行长人选来自内部提拔 去年4月初，杭州银行原行长虞利明因个人原因辞任，此后该行董事长宋剑斌代为履行行 ...