Core Insights - The article highlights the rapid and efficient financial services provided by China Merchants Bank (CMB) to technology innovation enterprises, particularly during critical growth phases [1][2][4] - CMB's approach focuses on understanding the technological needs of clients, which allows for tailored financial solutions that support the growth of companies like Zhiyuan Technology [1][2] Group 1: Service Efficiency - CMB's service team completed the account opening process for Zhiyuan Technology in just two days, significantly reducing the time for cross-border business processes from 5-7 days to 1-2 days [1] - The bank's understanding of the technology sector enables it to provide timely financial support, exemplified by the one-month approval for special credit to Zhiyuan Technology in 2022 [2] Group 2: Tailored Financial Products - CMB has developed a tiered service system for technology innovation enterprises, categorizing them into five levels and offering five key products, including "Zhaojin Loan" and "Zhaochuang Loan," which can be applied for online with simplified processes [2] - The bank has shifted its evaluation criteria from traditional metrics like revenue and profit to focus on technological barriers, team backgrounds, and industry positions, allowing more startups to access funding [2] Group 3: Comprehensive Support - CMB provides a full-cycle support model for enterprises, offering services that range from basic account opening and credit support for startups to capital connection and merger financing for growing companies [3] - The bank also extends its services to mature enterprises, including cross-border finance and wealth management, ensuring comprehensive support throughout the business lifecycle [3] Group 4: Impact on Innovation Ecosystem - CMB's support for technology innovation enterprises is seen as a vital contribution to the national innovation ecosystem, positioning finance as a key enabler of technological advancement and economic growth [4]