Core Viewpoint - The banking industry in China is facing challenges such as insufficient effective credit demand, continuous narrowing of interest margins, and slowing growth, necessitating strategic resilience and adaptability from commercial banks [1] Group 1: Financial Performance - In the first half of 2025, Zheshang Bank reported operating income of 33.248 billion yuan and net profit attributable to shareholders of 7.667 billion yuan, both showing a decline [2] - The bank's net interest margin stood at 1.69%, only narrowing by 2 basis points compared to the previous year, which is better than the industry average of 1.42% [2][3] - Total assets grew by 0.63% to 3.35 trillion yuan, with loans and advances increasing by 1.69% to 1.89 trillion yuan, indicating a cautious growth strategy [3] Group 2: Risk Management and Asset Quality - The non-performing loan ratio was 1.36%, down 0.02 percentage points from the beginning of the year, marking three consecutive years of decline [4] - The provision coverage ratio was 169.78%, maintaining a stable range of 160%-180%, indicating solid risk resistance capabilities [4] - The bank has focused on reducing high-risk assets, with real estate loans decreasing by 7.963 billion yuan and online loan balances down by 18% [2][3] Group 3: Strategic Focus - Zheshang Bank is aligning its strategy with national policies, particularly in green finance, technology finance, and inclusive finance, to inject long-term momentum into its development [5] - The bank has established a diversified product system in green finance, with green loan balances reaching 262.3 billion yuan, a 10.31% increase from the beginning of the year [6][7] - In technology finance, the bank has served over 34,000 technology enterprises with a financing balance exceeding 440 billion yuan, focusing on strategic emerging industries [6][7] Group 4: Challenges and Future Outlook - Despite the positive growth in areas aligned with national policies, the bank faces challenges in scaling these operations compared to leading banks [7] - Balancing cost reduction and risk control in the inclusive finance sector remains crucial for sustainable development amid insufficient consumer demand and pressure on small and micro enterprises [7][8] - The bank's ability to transition from "scale dividends" to "quality dividends" will be critical for maintaining competitiveness in the evolving banking landscape [8]

Group 1 - The event "Financial Services for the Real Economy" was held in Nanjing, focusing on addressing the financing challenges faced by enterprises and promoting direct financial service policies to support the development of the real economy [1] - Jiangsu province is accelerating the construction of the "1650" modern industrial system, integrating industrial chains, innovation chains, and capital chains [1] - Zheshang Bank aims to enhance financial services for the real economy and support the development of innovative enterprises, emphasizing the importance of human capital in risk assessment [1] Group 2 - Six companies presented projects related to intelligent logistics systems and battery safety management during the roadshow, engaging in deep discussions with investment institutions [2] - The Jinyuzui Fund Street is positioned as an important financial hub in Nanjing, utilizing a "fund + industry + platform" model to create a strong magnetic field for serving the real economy [2] - The "Jinyuzui Daily Roadshow" is the first capital element matching platform in the country, aimed at innovating the investment-loan linkage mechanism and providing precise financial products to enterprises in the frontier technology industry [2]

以浙商银行为例，当天，在会上发布了面向科技型企业的全新综合金融服务品牌——"善科陪伴计划"。据悉，该计划将从人员陪伴、场景陪伴、服务陪 伴、生态陪伴四个维度进行升级焕新，为企业提供"信贷+非信贷""金融+非金融"的产品组合，构建了更全面的"陪伴支撑网络", 与科创企业的成长同频共 振。 金融与科技双向奔赴 商业银行要扮演好"三重角色" 会上，与会专家就近年来助力新质生产力发展的实践探索，与现场嘉宾分享了观察和感受。 陆建强认为，金融当前面临着"高质量发展""定位站位""数字化"三大变局，金融机构必须要有更高的站位和情怀，在资本向实的浪潮中扮演好三重角 色，实现社会各方合力共筑科技金融的创新生态。一是当好科技企业的"长期伴跑人"。金融机构要坚持长期主义，深度融入企业生产经营场景和其所处的产 业链生态中，主动在场景中提供快速响应的嵌入式服务，提前做好谋划布局。二是当好创投资本的"价值放大器"。通过"投贷联动打前站、中长期贷款稳底 盘、并购贷款促跃升"等全周期立体式的打法，匹配科技企业全生命周期需求，助力创投资本做好初创期价值发现、成长期价值培育、成熟期价值释放等重 点环节，全面放大资本价值。三是当好创新生态的"超 ...

Core Viewpoint - Lin Jingran, Vice President of Zhejiang Commercial Bank and President of Shanghai Branch, emphasizes the integration of financial services with social responsibility and the development of the real economy, aiming to create a "first-class commercial bank" through innovative and comprehensive financial solutions [3][4]. Group 1: Financial Services and Social Responsibility - "Good finance" is a distinctive label of Zhejiang Commercial Bank, focusing on reshaping financial service models to prioritize social value and support the real economy [4]. - Lin Jingran leads initiatives in technology finance, green finance, inclusive finance, pension finance, and digital finance, aligning with the central government's direction to enhance financial services for the real economy [5][6]. - The Shanghai Branch has established a financial advisory team to serve as "financial family doctors" for enterprises and local governments, enhancing the bank's social image through various public welfare activities [6]. Group 2: International Financial Center Development - The Shanghai Branch is actively contributing to the construction of the Shanghai International Financial Center by enhancing international business and supply chain finance services [7][8]. - Lin Jingran views international business as a key connector between global capital and the Chinese market, focusing on cross-border settlement and offshore financing [7]. - The bank's supply chain finance initiatives support the integration of financial services across the Yangtze River Delta, providing efficient financing solutions for small and micro enterprises [8].

Core Viewpoint - The rise of "Six Little Dragons" in Hangzhou highlights the importance of financial support for technological innovation, emphasizing a diversified financing support system involving securities, banks, funds, and trusts [1] Group 1: Financial Transformation - Financial industry faces three major changes: transformation and upgrade, repositioning to serve the real economy, and digitalization [4] - Financial services must evolve from serving individual enterprises to serving entire ecosystems, shifting from "pawnshop" finance to scenario-based finance, and from specialized services to comprehensive collaborative services [4] Group 2: Practical Explorations by Zhejiang Merchants Bank - Zhejiang Merchants Bank has implemented a financial advisor system to provide long-term, cross-license services to tech enterprises [5] - The "Good Credit" project aims to innovate credit risk management by focusing on social reputation and dynamic risk control rather than just financial metrics [6] - The bank promotes a chain-ecosystem finance model, integrating financial products seamlessly into enterprise operations using digital tools [5] Group 3: Policy Implementation and Support - The bank adheres to the "Good Financial" philosophy, creating a differentiated evaluation system for tech enterprises and enhancing the quality of tech financial services [6] - It emphasizes long-term investment strategies, considering non-financial indicators like technological innovation and business models in credit assessments [6] - The bank strengthens collaboration with venture capital, private equity, and government funds to enhance service offerings for tech enterprises [6] Group 4: Building a Financial Ecosystem - Zhejiang Merchants Bank aims to be a benchmark for financial support in common prosperity, developing a comprehensive product system tailored to the needs of tech enterprises [8] - The bank has launched the "Good Science Accompaniment Plan" to provide precise financial services throughout the lifecycle of tech enterprises [8] - It actively collaborates with various professional institutions to address challenges faced by enterprises, enhancing the overall tech financial ecosystem [8]

Core Viewpoint - The rise of "Six Little Dragons" in Hangzhou highlights the importance of financial support in fostering technological innovation, with a diversified financing support system being established through collaboration among various financial entities [1] Group 1: Financial Transformation - Financial institutions are facing three major changes: transformation and upgrading, repositioning to serve the real economy, and digitalization [1][2] - The financial sector must shift from serving individual enterprises to serving entire ecosystems, from "pawnshop" finance to scenario-based finance, and from specialized services to comprehensive collaborative services [2] Group 2: Innovative Practices - Zhejiang Commercial Bank has implemented a "Financial Advisor System" to provide long-term, cross-license services to technology enterprises [2][3] - The bank has initiated the "Good Credit Project," focusing on long-term assessments of technology firms based on social reputation and dynamic risk control [3] Group 3: Policy Implementation - The bank is committed to developing a differentiated evaluation system for technology enterprises, aligning with government policies to enhance venture capital and patient capital [2][4] - A comprehensive product system has been established, including 30 products tailored to the different growth stages of technology enterprises [4] Group 4: Ecosystem Development - The bank is actively building a technology financial ecosystem by collaborating with various professional institutions to address the diverse needs of enterprises [4] - Recent initiatives include hosting conferences to connect government departments and investment institutions with technology enterprises for equity financing [4]

Group 1 - The core focus of Fubao Intelligent Technology Co., Ltd. is on humanoid robots in the medical and elderly care sectors, with significant order intentions signed at the Canton Fair [1][2] - The company has seen a surge in orders due to the implementation of rural revitalization policies and its products being included in the official service robot list for the Asian Games [2] - Fubao Intelligent's business model transitions from B-end medical scenarios to G-end elderly care communities, and finally to C-end users, indicating a growth trajectory from startup to maturity [4] Group 2 - Zhejiang Zheshang Bank provided a timely loan of 10 million yuan to Fubao Intelligent to alleviate production funding pressures, showcasing the importance of financial support for tech companies [3][4] - The bank's approach includes offering differentiated financial services tailored to the development stages of tech companies, focusing on social value rather than just financial metrics [4][5] - The bank's "Shan Ke Accompanying Plan" aims to support tech companies through various dimensions, enhancing their growth and innovation capabilities [5] Group 3 - Ningbo Jiangfeng Electronic Materials Co., Ltd. is a key player in the semiconductor sputtering target material industry, having established a production base for ultra-pure metals and sputtering targets [6][7] - Jiangfeng Electronic has expanded its operations and is in need of financial support for its growth and the support of its incubated startups [8] - Zhejiang Zheshang Bank has provided credit facilities to Jiangfeng Electronic and its related companies, demonstrating a commitment to supporting the entire industrial chain [8][9] Group 4 - The bank has also introduced innovative financial products, such as the first knowledge property securitization product in Ningbo, to support tech companies like Heli Shikayoubei Technology Co., Ltd. [12][13] - The financial services provided by the bank are designed to connect various funding sources and support the innovation ecosystem, emphasizing the role of finance as a facilitator of technological advancement [12][13] - The establishment of the "Shan Shu Technology Financial Platform" aims to enhance the accessibility of financial resources for tech companies, promoting deeper integration of financial and technological elements [13]

导语：在"五篇大文章"的战略指引下，中国科技金融生态正经历新一轮重构。浙商银行十年耐心实践与"善科陪伴计划"，恰是这场国家行 动的微观映射。 金融范式创新 游标卡尺能丈量厂房面积，却无法为知识资产与"人才价值"定价。 当传统银行汲汲于"所见即所得"的思维惯性，如何"接得住"服务中国科技创新的时代命题？ 一场发生于十年前的商业银行突围实践，给出了破局解法。 浙商银行（601916.SH）2016年创新性推出的全国首个"人才银行"，以"人"而非"物"作为信用锚点，将4000余名高层次人才的创新潜力转化为 超300亿元的融资支持。 于是，浙商银行提出"以人定贷"的概念，并创立"人才银行"这一金融服务 品牌。 遵循这一设计理念的信用贷款产品，是以人才价值、政府对人才的认可度、人才企业的发展潜力作为主要评估依据，弱化营收、利润和负债率 等传统财务因素，给予人才企业最高3000万元的信用支持。 而今，这一金融品牌又进行了"新版本"迭代。 4月16日，"善科致远·创见未来——金融支持科技企业发展大会"在杭州举行。 在会上，浙商银行发布面向科技企业的全新综合金融服务品牌——"善科陪伴计划"。 浙商银行党委书记、董事长陆建强表 ...

Group 1 - The core viewpoint of the news is that Zhejiang Zheshang Bank has launched a comprehensive financial service plan called "Shan Ke Pei Ban Plan" to support the development of technology enterprises throughout their lifecycle [2][3] - The "Shan Ke Pei Ban Plan" focuses on four dimensions: personnel support, scenario support, product support, and ecological support, creating a comprehensive support network for technology enterprises [2] - The bank will provide dedicated financial advisory teams for each technology enterprise, focusing on key scenarios such as R&D transformation, venture capital introduction, equity incentives, and IPO preparation [2][3] Group 2 - The bank's "Shan Ben Credit Project" aims to address the gap between technological value and financial credit value for startups, allowing intangible assets like talent, technology, and patents to be converted into financial capital [3] - As technology enterprises mature, their financial service needs shift towards supply chain finance, cross-border finance, merger loans, and capital market services to help them leverage their technological advantages [3] - The "Shan Shu Technology Financial Platform" was jointly launched by the Zhejiang Chamber of Commerce Financial Services Committee and the Jinyu Alliance, aiming to integrate financial resources with industry scenarios and enhance the financing accessibility for technology enterprises [4]