Core Insights - The article discusses the differentiated funding needs of technology enterprises at various development stages and how China Construction Bank's Jiangsu branch implements an integrated "commercial and investment banking" strategy to support these enterprises [1][2][3] Group 1: Funding Strategies - China Construction Bank Jiangsu branch has a technology loan balance of approximately 420 billion yuan, with over 100 billion yuan added since the beginning of the year [1] - The bank has established nine equity funds with a subscribed scale of 19.5 billion yuan, serving 173 technology enterprises with investments exceeding 15 billion yuan [1][2] - Innovative products like "Shanxin Loan" and "Shanke Loan" allow the use of intangible assets such as patents and trademarks as collateral, providing convenient financing for small and micro enterprises [2][3] Group 2: Support for Startups - The bank has developed an online evaluation system to assess the innovation capabilities and credit risks of technology enterprises, enabling tailored financing solutions [2][3] - Collaboration with various institutions has led to the establishment of a cooperative database for equity financing, enhancing resource sharing and matching between investors and startups [3] Group 3: Comprehensive Financial Services - The bank has successfully integrated services from equity financing to loan support, exemplified by its assistance to a manufacturing company in acquiring assets and preparing for an IPO [4][5] - A total of 30 specialized technology branches have been established to provide tailored services to technology enterprises, enhancing the bank's operational structure [6] Group 4: Supply Chain Financing - The bank has implemented supply chain financing solutions, providing nearly 30 billion yuan in financing to approximately 1,000 enterprises within the supply chain [8] - Innovative financing models, such as dual-currency export seller credit, have been developed to support enterprises in global competition and mitigate currency exchange risks [9] Group 5: Future Directions - The bank plans to continue enhancing its integrated service model and deepen its commitment to supporting technological innovation and modern industrial system construction [9]

Core Viewpoint - The Jiangsu Branch of China Construction Bank (CCB) is implementing an integrated "commercial investment banking" strategy to support the growth of technology innovation enterprises, providing comprehensive financial services throughout their lifecycle [1][11]. Group 1: Integrated Financial Services - CCB Jiangsu Branch has established a "three libraries and one platform" system, including a cooperation library for equity institutions, a project library for technology innovation enterprises, and a comprehensive service product library, to offer all-encompassing services for technology enterprises [1][2]. - The bank is focusing on early-stage enterprises, facilitating equity financing and direct financing through a partnership with various institutions, thus creating an ecosystem for equity cooperation in Jiangsu [2][3]. Group 2: Case Studies of Support - A startup in Nanjing, focused on quantum security technology, received 20 million yuan in investment through a financing roadshow organized by CCB Jiangsu Branch, addressing its urgent funding needs [2]. - Another startup in Nanjing, specializing in 3D machine vision, was granted a credit limit of 40 million yuan and an additional 10 million yuan in loans to support its operational needs and expansion plans [2]. Group 3: Innovative Financial Products - CCB Jiangsu Branch has introduced inclusive financial products such as "Shanxin Loan," "Shanke Loan," and "Yunzhi Loan" to cater to the unique needs of early-stage technology enterprises, addressing their challenges in credit information accumulation [3]. - By May 2025, the cumulative issuance of these loans exceeded 30,000 clients, with a total amount nearing 20 billion yuan [3]. Group 4: Support for Growth Stage Enterprises - The bank has created a project library for growth-stage technology enterprises, identifying over 8,000 key clients for support, and effectively combining credit investment with equity investment [4][5]. - CCB Jiangsu Branch has established 29 specialized technology branches to provide tailored services for technology enterprises, enhancing their growth and operational efficiency [5]. Group 5: Capital Empowerment for Strategic Transformation - CCB Jiangsu Branch has engaged in significant debt-to-equity investments, such as over 900 million yuan in a leading new energy vehicle company, to support its strategic transformation [9]. - The bank has also facilitated nearly 40 billion yuan in supply chain financing for over 1,000 enterprises, enhancing the operational efficiency of the supply chain [9]. Group 6: Digital Innovation and Ecosystem Building - CCB Jiangsu Branch is developing a technology innovation evaluation system to address the challenges in assessing the value of scientific and technological achievements, becoming a pilot institution for the Ministry of Science and Technology [10]. - The bank has organized various thematic activities to connect financing projects with potential investors, enhancing the matching process between the two parties [10].

今年全国"两会"期间，国家金融监督管理总局启动了适度放宽科技企业并购贷款政策的试点工作。在湖 北金融监管局和建设银行总行的大力支持和指导下，建设银行湖北省分行高效推动各项工作，成功完成 该笔业务投放，有效支持企业围绕产业链补链强链延链，通过创新金融服务体系进一步赋能科技创新突 破、绿色经济转型和现代农业提质。 今年以来，建设银行湖北省分行在服务传统科技信贷业务做大做强的同时，不断创新投融资渠道，充分 发挥建设银行集团全牌照优势，与央企产业龙头兵装集团设立创投基金国兵向新基金，与省级产业平台 长江产业投资集团联合打造AIC试点基金，承销央企科创企业中信科集团首笔主体类科创票据等，为银 行机构参与国家"科技强国"战略提供了金融供给侧结构性改革的创新实践。 下一步，建设银行湖北省分行将以科技企业并购贷款试点政策为契机，积极践行"商投行一体化"经营理 念，当先锋、打头阵，持续深化对科技企业的金融赋能，以实际行动写实金融"五篇大文章"，为新质生 产力发展和服务实体经济贡献建行力量。（陈传昊） 转自：新华财经 近日，建设银行湖北省分行成功投放湖北省首笔跨区域收购上市科技公司并购贷款，为湖北农业发展集 团并购省外上市科技公 ...