近日，灵伴科技在武汉武商梦时代的首家旗舰店正式开业，其自主研发的AR眼镜在政务、工业及生活等多场景落地。 这家2024年9月才落户武汉的人工智能企业，仅用一年时间便迈出商业化关键一步，背后离不开浙商银行武汉分行针对科技企业成长 阶段特点量身定制的金融支持。 浙商银行武汉分行评审专家考察敢为科技。 科创企业常面临"轻资产、缺抵押、弱现金流"的融资困境，核心技术等无形资产难以转化为传统信贷认可的抵押物。为此，浙商银行 武汉分行转变评审思路，从紧盯有形"砖头"转向评估企业的"人才账"与"技术流"。 "AI企业的智力资本、数据资源与未来场景应用的潜力，这些也是重要的信用基石。"浙商银行武汉分行公司银行部总经理车婕说。 2025年初，浙商银行武汉分行对灵伴科技进行实地调研，并与创始人、技术专家深度交流，精准把脉行业特性与金融需求。 针对企业新成立、轻资产、硬科技的特点，2025年4月，该行引入担保机构，共同构建"多方风险共担机制"，给予灵伴科技（武汉） 1000万元"科创共担贷"提款额度。这笔资金助推企业快速打开市场，实现从技术研发到场景应用的跨越。 今年以来，浙商银行推出面向科技企业的"善科陪伴计划"，灵伴科技的案例 ...

Core Insights - The article emphasizes the role of financial institutions, particularly Zhejiang Commercial Bank, in supporting the real economy and national development through innovative financial services [2][3]. Group 1: Financial Support for the Real Economy - Zhejiang Commercial Bank has served over 500,000 small and micro enterprises during the "14th Five-Year Plan" period, with a loan scale growth of 133% [3]. - The bank has provided over 160 billion yuan in cross-border financing for foreign trade enterprises [3]. - The bank's commitment to "finance for the people" reflects its strategic focus on supporting the real economy and national development [2][3]. Group 2: Technological Innovation and Support - The "Talent Bank" service launched by Zhejiang Commercial Bank in 2016 focuses on evaluating technology companies based on their talent and innovation rather than traditional collateral [7]. - The bank has supported over 35,000 technology enterprises with a financing balance exceeding 460 billion yuan as of September 2025 [10]. - The case of Wuhan Heyuan Biotechnology Co., Ltd. illustrates the bank's innovative approach to financing, providing critical support for its research and development [8][10]. Group 3: Rural Development and Poverty Alleviation - Zhejiang Commercial Bank has implemented a "3386 model" to support local economies and agricultural projects, facilitating access to finance for rural entrepreneurs [14][16]. - The transformation of Taohou Village from poverty to a model of shared prosperity showcases the bank's impact on rural development [11][18]. - The bank has served 780,000 small enterprises, with over 2.8 trillion yuan in small loans disbursed, significantly contributing to poverty alleviation efforts [16][18]. Group 4: Support for Foreign Trade - Zhejiang Commercial Bank has provided over 1.6 trillion yuan in cross-border financing, enhancing the efficiency of payment and settlement processes for foreign trade enterprises [23]. - The bank's innovative services, such as the "cross-border asset pool," have enabled efficient financing for companies like YN Technology, facilitating their international expansion [22][23]. - The bank's commitment to supporting foreign trade aligns with national strategies to stabilize and grow international trade [19][23].

Core Viewpoint - Zhejiang Commercial Bank reported stable financial performance in Q3 2025, focusing on quality over scale amid external pressures, with total assets reaching 3.39 trillion yuan, a 1.91% increase from the previous year [2][3] Financial Performance - As of September 2025, the bank's total assets amounted to 3.39 trillion yuan, reflecting a growth of 1.91% compared to the end of the previous year [2][4] - The bank achieved operating income of 48.931 billion yuan and net profit attributable to shareholders of 11.668 billion yuan [2][6] - The non-performing loan ratio improved to 1.36%, down by 0.02 percentage points from the end of the previous year [2][6] Asset and Liability Management - The bank's total liabilities reached 3.182278 trillion yuan, an increase of 1.90% from the previous year, with deposits surpassing 2 trillion yuan, growing by 7.15% [4][6] - Loan and advance amounts totaled 1.896272 trillion yuan, marking a 2.11% increase [4] Risk Management - The net interest margin for the first three quarters was 1.67%, a decrease of 4 basis points compared to the previous year [5][6] - The bank's capital adequacy ratio stood at 12.15%, with the core tier one capital ratio at 8.40%, up by 0.02 percentage points from the previous year [6] Strategic Initiatives - The bank is focusing on a "low-risk, balanced return" asset structure, optimizing its balance sheet to support sustainable growth [4][8] - Initiatives include a three-year action plan to deepen its presence in Zhejiang, with financing services totaling 1.16 trillion yuan and commitments to support advanced manufacturing projects [8] - The bank has launched the "Shan Ke Accompanying Plan" for technology financial services, aiming for an additional 10 billion yuan in tech loans this year [8]

Core Insights - The launch of the "Shan Ke Accompanying Plan" by Zhejiang Merchants Bank Nanchang Branch signifies a significant upgrade in the financial service system for technology enterprises in Jiangxi province [3][4] - The plan is designed as an open, comprehensive financial service system for technology enterprises throughout their lifecycle, incorporating a long-term service mechanism of "5+3+N" [3] Group 1: Financial Service Mechanism - The "5+3+N" model includes a five-year strategic cooperation to guide enterprise development, three service models (commercial banking, investment banking, and private banking) to support growth, and various customized solutions through one-on-one financial advisory services [3] - The plan aims to address the unique characteristics of technology enterprises, which are often light-asset, high-growth, and long-cycle [3] Group 2: Partnerships and Collaborations - During the event, Zhejiang Merchants Bank Nanchang Branch signed cooperation agreements with 10 key technology enterprises and established partnerships with four major investment funds in Jiangxi province to expand financing channels for technology companies [3] - The bank's headquarters awarded a plaque to the Nanchang Branch Honggutan Sub-branch, marking a move towards more specialized and focused technology financial services [3] Group 3: Future Directions - The "Shan Ke Accompanying Plan" not only marks a new phase for technology financial services at Zhejiang Merchants Bank Nanchang Branch but also establishes a new platform for collaboration among government, banks, enterprises, and research institutions [4] - The bank aims to fully support the growth of Jiangxi's innovative enterprises and contribute to the province's high-quality development through this initiative [4]

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]

Core Viewpoint - The rise of "Hangzhou Six Little Dragons" in 2025 has garnered widespread attention for Hangzhou's technology innovation ecosystem, with finance playing a crucial role in supporting technological innovation through a diversified financing support system [1] Group 1: Financial Ecosystem and Support - The 8th West Lake Conference held on May 20-21, 2025, focused on "building a strong capital engine to empower new quality productivity," aiming to cultivate patient capital and enhance the synergy among various financial sectors [1] - Zhejiang Commercial Bank is the only commercial bank participating in the conference, emphasizing its commitment to providing comprehensive services for technology enterprises through the "Good Science Accompaniment Plan" [3] Group 2: Roles of Financial Institutions - Financial institutions must adapt to three major changes: "high-quality development," "positioning," and "digitalization," and play three key roles: being long-term partners for technology companies, amplifying the value of venture capital, and acting as super connectors in the innovation ecosystem [4] - The bank aims to provide embedded services that respond quickly to the needs of technology enterprises and support them throughout their lifecycle [4] Group 3: Good Science Accompaniment Plan - The "Good Science Accompaniment Plan" was launched to break service barriers and promote the integration of funding, talent, innovation, and industry chains for technology enterprises [5] - The plan offers a comprehensive support network through a combination of credit and non-credit products, tailored to the different stages of technology enterprises' development [5] Group 4: Achievements of Zhejiang Commercial Bank - Over the past decade, Zhejiang Commercial Bank has developed a distinctive technology finance service system, serving over 33,000 technology enterprises with a financing balance exceeding 400 billion [6]

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]