专题：第二十二届中国国际金融论坛 他提到，农业银行在布局AI+金融时有三点关键考虑因素：一是认识要正，二是准备要足，三是应用要 准。 2月19日-20日，"第二十二届中国国际金融论坛"在上海举行，主题为：数字经济时代的智能金融生态构 建。中国农业银行总行科技与产品管理局副总经理张春出席并演讲。 首先，AI+金融是金融业数字化、智能化转型的必然选择。必须明确AI+金融并非可选项，而是金融业 迈向数字化、智能化的必然路径，更是写好五篇大文章的时代要求。 其次，AI+金融的实现路径是构建AI应用能力体系，要将AI+金融的战略机遇真正转化为写好五篇大文 章的扎实成效，关键在于构建一套系统完备且可持续的AI应用能力体系。 张春表示，农业银行的实践可以概括为"三个一"+"三项原则"。一蓝图、一地图、一平台共同筑牢能力 底座；人机协同、场景驱动、安全并举这三项原则贯彻始终，为发展护航。这套体系有力支撑并推动了 智慧银行建设，实现了智能化业务场景的百花齐放。 张春谈到，当前，做好科技金融、绿色金融、普惠金融、养老金融、数字金融五篇大文章是党中央赋予 金融机构的重大使命。农业银行作为国有大型商业银行，始终以服务国家战略为己任， ...

Core Viewpoint - The article highlights the rapid development of China's technology-driven economy during the "14th Five-Year Plan" period, emphasizing the role of financial services in supporting innovation and the growth of technology enterprises [1][6][26]. Group 1: Industry Development - During the "14th Five-Year Plan," China's robotics industry is accelerating, with the country expected to account for two-thirds of global robot patent applications by 2024 [6]. - Over 100,000 specialized and innovative small and medium-sized enterprises (SMEs) have been added since the beginning of the "14th Five-Year Plan," totaling over 140,000, with more than 14,600 recognized as "little giant" enterprises [11]. - The annual growth rate of loans to technology SMEs has exceeded 20% during the "14th Five-Year Plan" period [18]. Group 2: Financial Services Initiatives - Agricultural Bank of China (ABC) has established a dedicated credit service system for technology enterprises, focusing on diverse financial needs and a comprehensive evaluation system based on future repayment capabilities [6][26]. - As of September 2025, ABC has collaborated with over 70% of the "little giant" enterprises, with a total technology loan balance exceeding 4.7 trillion yuan [15][12]. - ABC has issued 8.255 billion yuan in "Kejie Loan" to 2,175 technology SMEs, providing timely financial support for their development [18]. Group 3: Policy Support - The People's Bank of China and other ministries have jointly established a policy tool for technology innovation and technological transformation re-loans, aimed at supporting early-stage and growth-stage technology SMEs [21]. - By September 2025, ABC has provided approximately 24 billion yuan in funding support to over 10,000 enterprises on the re-loan list, effectively reducing financing costs for technology enterprises [22].

Core Viewpoint - The article emphasizes the rapid development of China's technology-driven economy during the "14th Five-Year Plan" period, highlighting the role of financial services in supporting innovation and the growth of technology enterprises [1][5][27]. Group 1: Development of Technology Enterprises - During the "14th Five-Year Plan," China's robot industry is accelerating, with the number of robot patent applications expected to account for two-thirds of the global total by 2024 [5]. - Over 100,000 specialized and innovative small and medium-sized enterprises (SMEs) have been added since the beginning of the "14th Five-Year Plan," with a total exceeding 140,000, including over 14,600 "little giant" enterprises [9]. - As of September 2025, Agricultural Bank of China (ABC) has collaborated with over 70% of these specialized and innovative "little giant" enterprises [9]. Group 2: Financial Services for Technology Enterprises - ABC has established a dedicated credit service system for technology enterprises, focusing on diverse financial needs and building a comprehensive evaluation system centered on future repayment capabilities [5]. - The annual growth rate of loans to technology SMEs has exceeded 20% during the "14th Five-Year Plan" period [17]. - By September 2025, ABC has issued "Kejie Loans" totaling 8.255 billion yuan to 2,175 technology SMEs [17]. Group 3: Supportive Policies and Initiatives - The People's Bank of China and other ministries have jointly established a policy tool for technology innovation and technological transformation re-loans, aimed at supporting early-stage and growth-stage technology SMEs [21]. - As of September 2025, ABC has provided approximately 24 billion yuan in funding support to over 10,000 enterprises on the re-loan list, effectively reducing financing costs for technology enterprises [22]. Group 4: Future Outlook - ABC aims to continue enhancing the breadth, depth, and warmth of its technology financial services, contributing to high-level technological self-reliance and modernization in China [27].