在夯实自身服务能力的基础上，中国银行广东省分行进一步拓宽资源边界，以生态协同放大科技金融服 务效能。 以"中银科创生态伙伴计划"为纽带，该行联动政府部门、科研机构、产业主体、投资机构等多方共建金 融服务体系，实现科技金融服务从"单点突破"到"线面协同"的跨越。2025年6月，中国银行广东省分行 与广东省生产力促进中心签署合作备忘录，并在中国人民银行广东省分行的见证下，与多家重点科技型 企业签署"益企共赢"计划，实现企业发展生命周期服务全覆盖。该行还推出三大协同举措释放叠加效 应，一是对接省级科技信贷风险补偿资金池，为早期科创企业贷款业务"兜底减压"；二是联合高校院所 打造"孵化—成长—成熟"接力式服务链，依托创新创业大赛筛选优质项目提供首贷支持；三是为东莞、 珠海等科创高地推出"一市一策"方案，前瞻性布局量子科技等未来产业，并为科创人才定制涵盖投融资 服务的"一站式"服务包。 从生产车间的智能流水线到实验室的前沿研发，从新兴产业的加速崛起到未来产业的前瞻布局，广东大 地上，金融助力新质生产力发展的热潮正持续涌动。在中国人民银行广东省分行的指导下，中国银行广 东省分行以高质量党建领航业务创新，组织干部职工深耕科 ...

Core Viewpoint - The development of a technology finance ecosystem is essential to meet the financing needs of technology enterprises throughout their lifecycle, from startup to maturity, emphasizing the importance of patient capital and collaborative investment models [1][2][3]. Group 1: Technology Finance Ecosystem - The Ministry of Science and Technology and six other departments released policies in May 2023 to accelerate the construction of a technology finance system, highlighting its role in promoting deep integration of technological and industrial innovation [1]. - Industry experts advocate for a systematic, full-chain, and integrated technology finance ecosystem to support technology enterprises effectively [2]. - Financial institutions must adapt their evaluation criteria to focus on technology rather than traditional financial metrics, as technology enterprises' core value lies in their innovations [1][3]. Group 2: Collaborative Financial Services - A comprehensive financial service model is needed, which includes direct investment, investment banking, commercial banking, insurance, and guarantees to support technology enterprises at various stages [2]. - Clear division of responsibilities among financial institutions, market players, and regulatory bodies is crucial for effective service delivery [2][3]. Group 3: Product and Service Adaptation - Financial institutions should shift their focus from what they can provide to what technology enterprises need, continuously upgrading their products and services to meet the specific demands of different lifecycle stages [3]. - A robust supporting mechanism is necessary to address the unique characteristics of technological innovation, including profit-sharing, risk-sharing, and accountability frameworks [3]. Group 4: Innovative Investment Models - The integration of equity financing, debt financing, and insurance is essential for providing comprehensive financial services to technology enterprises [4]. - China Life Insurance is exploring a new "S Fund Relay Investment" model, which allows insurance funds to invest in technology enterprises at a more mature stage, enhancing the efficiency of government funds [6]. Group 5: Stable Funding Sources - Policy-based finance plays a strategic role in supporting technology enterprises by providing long-term and patient capital, especially during the product commercialization phase [7]. - The Export-Import Bank of China aims to enhance support for high-tech product export enterprises, facilitating technology upgrades and digital transformation [8][9].

Core Viewpoint - China Bank's 2024 performance highlights its commitment to "financial for the people" and its role in supporting the real economy through strategic financial services [2][3][17] Financial Performance - Total assets exceeded 35 trillion yuan, a year-on-year increase of 8.11% - Operating income reached 632.8 billion yuan, up 1.38% year-on-year - Net profit after tax was 252.7 billion yuan, reflecting a growth of 2.58% - Cost-to-income ratio improved to 28.77%, indicating enhanced operational efficiency [2] Technology Finance - China Bank provided credit support to over 100,000 technology enterprises, with a loan balance of 1.91 trillion yuan, marking a growth of 29.67% [3] - The bank has established a comprehensive financial service matrix tailored to the lifecycle of technology enterprises [4] - A total of over 710 billion yuan in comprehensive financial services has been provided to technology companies [4] Green Finance - Green credit balance surpassed 4 trillion yuan, with an increase of over 30% - Green bond investment exceeded 100 billion yuan, with leading underwriting scale in the market [6] - The bank has launched various green financial products, including services linked to low-carbon transformation [6][7] Inclusive Finance - Inclusive finance loan balance reached 2.28 trillion yuan, growing by 29.63% - The bank supported nearly 1.5 million small and micro enterprises, with a growth rate of 39.62% [8] - Agricultural loans totaled 2.5 trillion yuan, with inclusive agricultural loans growing by 36.41% [8] Pension Finance - Over 10 million personal pension accounts have been opened, addressing the needs of an aging population [11] - The bank has managed 2.59 trillion yuan in enterprise annuity funds and 1.17 trillion yuan in pension trust funds [12] - A comprehensive pension financial service system has been established, integrating various financial products [12][13] Digital Finance - China Bank has implemented a digital financial action plan with 39 strategic projects for 2024-2026 [15] - The bank's core system handles approximately 290 million transactions daily, supporting stable operations [15] - Digital transformation has enhanced service efficiency, with significant growth in active users across various digital platforms [16]