Core Viewpoint - The Guangdong-Hong Kong-Macao Greater Bay Area is leveraging technological innovation as a core driver for high-quality development, with Hengfeng Bank playing a crucial role in empowering technology enterprises through financial support and mechanisms [1]. Group 1: Mechanism Establishment - Hengfeng Bank has built a "dare to lend and willing to lend" mechanism to address the financing gap between banks and technology enterprises, which are characterized by high technology, high risk, high returns, and light assets [2]. - The bank has implemented a due diligence exemption mechanism, allowing staff to avoid accountability if they follow compliance procedures during the lending process, thus encouraging lending activities [2]. - As of November 2025, Hengfeng Bank's technology loan balance is expected to grow by approximately 10% compared to the beginning of the year, marking a significant shift in credit structure [3]. Group 2: Professional Capability - Hengfeng Bank emphasizes the importance of understanding industry trends and enterprise potential, moving away from traditional asset-based lending to a focus on technology and future prospects [5]. - The bank's approach includes precise assessment of credit needs and establishing trust through core assets like patents, which serve as collateral [5]. - The bank has developed a supply chain financing model to support upstream and downstream enterprises, addressing the funding pressures faced by small and medium-sized enterprises in the technology sector [6]. Group 3: Comprehensive Financial Services - Hengfeng Bank aims to create a "financing + intelligence" comprehensive financial service system, focusing on the full lifecycle needs of technology enterprises [8]. - The bank is integrating resources from investment banking, private equity, and asset management to facilitate mergers and acquisitions, enhancing cross-border services for enterprises [9]. - Future plans include deepening efforts in areas such as investment-loan linkage, asset securitization, and exploring financial instruments closely related to capital markets, aiming to create a more efficient and intelligent integrated financial service system [9].