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摸清科技企业“成长路线图”,深圳建行让金融服务“不脱节”
21世纪经济报道· 2025-11-11 09:12
Core Viewpoint - Chinese technology companies are accelerating their internationalization journey while facing challenges such as cross-border financing difficulties, complex capital operations, and significant risk management pressures [1][4]. Group 1: Company Case Study - R Company, specializing in image intelligent perception technology, is in a critical phase of business expansion and preparing for a Hong Kong IPO, requiring comprehensive financial support [3][4]. - China Construction Bank (CCB) provided R Company with a full-chain support model, including domestic and international services, which helped the company address its multifaceted financial needs [3][5]. - By the end of September 2025, CCB's technology loan balance exceeded 2.5 trillion yuan, with over 20,000 technology companies receiving financing support, showcasing its leading position in the industry [3][4]. Group 2: Financial Support Mechanism - CCB's approach goes beyond merely providing loans; it focuses on understanding the company's business model and development plans to tailor suitable financial service solutions [5][8]. - The bank established a communication mechanism with its international branches to coordinate responsibilities effectively, ensuring a seamless service experience for R Company [5][8]. - CCB designed a comprehensive financial service plan that includes financing, settlement, and risk management, ensuring R Company receives all-around support for its cross-border operations [6][8]. Group 3: Dynamic Service Optimization - CCB implemented a collaborative mechanism that involves deep customer demand exploration, cross-regional coordination, customized solution design, and continuous service optimization [8][9]. - The bank's ability to adapt its services based on R Company's feedback and changing market conditions has been crucial for maintaining competitiveness [9]. - This case provides a reference for banks serving technology companies in their international ventures, emphasizing the importance of resource integration, professional services, and risk management [9].