近年来，中国建设银行湖南省分行(简称"建行湖南分行")聚焦做好科技金融、绿色金融、普惠金融、养 老金融、数字金融五篇大文章，以金融活水精准滴灌实体经济，用专业服务温暖社会民生，交出了一份 服务湖南高质量发展的生动答卷，以实际行动持续为落实湖南"三高四新"战略、推动中部地区崛起贡献 力量。 科技金融："技术流"评价体系，破解科创企业融资难题 为破解科创企业"轻资产、缺抵押"的融资难题，建行湖南分行转变风控思路，秉持"不看'砖头'看'专 利'"的理念，运用"技术流"评价体系，对企业技术实力进行精准"画像"，让企业的专利知识变为真金白 银。截至目前，建行湖南分行服务科技型企业超1.9万家，科技贷款余额达2471亿元，连续3年增速超 20%，成为湖南科创企业发展的强力"助推器"。 起源于大学生创业项目、专注于AI技术的赤道银河公司便是受益者。在公司"从0到1"的起步阶段，建行 湖南分行凭借对其核心技术和创新能力的认可，提供了280万元信贷支持，助力该公司获得后续融资和 政府立项。 绿色金融：引导资金流向绿色企业，5年内规模扩大五倍 推动绿色发展，金融支持是关键一环。建行湖南分行将绿色金融作为重点，通过单列信贷计划、开 ...

11月5日至10日，第八届中国国际进口博览会在上海举办。充满时代气息的"四叶草"内，中国建设银行 虹桥会展支行为进博会中外嘉宾提供金融服务。 这是建设银行最新推出的"技术流"评价体系，只要输入企业基本信息，就能得到企业全景"画像"。不同 于传统评价体系，这套评价体系更看重企业的创新价值与发展潜力。系统创新推出"科技创新表"，从技 术转化能力、研发投入的稳定性和强度等多维度分析企业创新能力。"技术流"评价体系助力银行"看懂 科技产业、看懂科技企业、看懂科技人才、看懂科技成果、强化数智风控"，不仅为服务科技型企业提 供了技术支撑，也提升了科技产业金融服务效能，带动科技信贷稳步增长。 本届进博会上，不少企业都是初创型科技企业，对资金需求相对较大。了解到建设银行推出的"技术 流"评价体系后，不少企业相关负责人前来咨询办理业务。 服务对外开放，助力企业"走出去" 11月7日，一场名为"遇建进博·领航全球"的跨境经贸与投资发展服务发布暨签约仪式在"四叶草"建设银 行全球金融服务展厅举行。建设银行上海市分行联动20多家境内外机构，邀请50余家境内外企业参加活 动。 今年，建设银行在成功服务前7届进博会的基础上，进一步强化创 ...

Core Insights - The eighth China International Import Expo is being held in Shanghai from November 5 to 10, with China Construction Bank providing financial services to domestic and foreign guests [1] - China Construction Bank is enhancing its innovative financial services by leveraging cutting-edge technologies like artificial intelligence to support the real economy and high-quality development [1] Group 1: Digital Technology Empowerment - The bank has introduced a humanoid robot named "Jian Xiao Ai" in its service hall, which assists customers with various tasks and provides intelligent responses to financial inquiries [2] - "Jian Xiao Ai" exemplifies the bank's commitment to integrating digital technology into financial services, enhancing customer experience through intelligent interaction [2] - The bank aims to continuously improve product quality and expand application scenarios by exploring new processes and models in financial services [2] Group 2: Focus on Technology Enterprises - China Construction Bank has launched a "Technology Flow" evaluation system that provides a comprehensive profile of technology enterprises based on their innovation value and development potential [3] - This new evaluation system emphasizes the analysis of technology transfer capabilities and R&D investment stability, thereby enhancing financial services for technology-driven companies [3] - The introduction of this system has attracted interest from many startup technology companies at the expo, indicating a strong demand for tailored financial solutions [3] Group 3: Supporting Global Expansion - A cross-border trade and investment service event titled "Encountering Jian at the Expo: Navigating Global" was held, where the bank unveiled a comprehensive financial service plan for enterprises going abroad [4] - The bank's service framework includes "intelligence + financing + business" to assist Chinese companies in their global expansion efforts [4] - The establishment of the "China Construction Bank Shanghai Global Financial Service Center" in September 2024 aims to enhance cross-border financial services and create a standardized service system [4][5] Group 4: Comprehensive Service Model - The Shanghai Global Financial Service Center integrates domestic and international resources to provide a three-dimensional service model for Chinese enterprises venturing abroad [5] - The center focuses on risk hedging and funding support for outbound Chinese companies while facilitating a convenient entry for foreign enterprises into Shanghai [5] - The bank is committed to contributing to high-level opening-up and the construction of a new development pattern through enhanced collaboration and service standards [5]

今年，建设银行在成功服务前7届进博会的基础上，进一步强化创新引领，围绕助力实体经济和高质量 发展，借助人工智能等前沿技术，打造数字、智慧、便捷的金融服务场景，为客户提供智能、专业、全 面的金融服务。 数字技术赋能，客户体验更便捷 "您好，请问您需要办理什么业务？""请跟我来，由我为您做服务引导。"……走进建设银行虹桥会展支 行营业大厅，一款名为"建小爱"的人形机器人主动上前问候。这款机器人不仅能帮助客户完成取号、引 导等简单流程工作，还可以智能回答多种金融业务相关问题，引来不少嘉宾驻足。 作为一名"数字员工"，"建小爱"通过自然语言对话和肢体动作，为客户提供智能问答、迎宾接待、多国 语言等服务，更好满足客户多元化、差异化需求，体现了科技与金融的双向奔赴、互相成就。 "建小爱"是建设银行推动金融科技开发运用与实践的缩影。坚持以数字技术赋能金融创新，建设银行在 银行大堂应用智能人形机器人是实现"科技—产业—金融"良性互动的创新举措。通过探索金融服务领域 的新流程、新模式，建设银行持续提升产品品质，不断拓展应用场景，让新质生产力成为发展的新引 擎。 11月5日至10日，第八届中国国际进口博览会在上海举办。充满时代气 ...

Core Viewpoint - Shanghai is advancing its role as a global technology innovation center, which is crucial for supporting national strategies and enhancing high-end industry leadership [1] Group 1: Financial Support for Technology Enterprises - Postal Savings Bank of China (PSBC) Shanghai Branch is deeply engaged in technology finance, providing comprehensive financial support throughout the lifecycle of technology enterprises [2] - The bank customizes financing solutions for technology companies, exemplified by its support for Shanghai Guanjia Electronics Co., which achieved significant growth and international market penetration with the bank's assistance [2] - The company secured a $10 million order from a French firm at the 2024 China International Import Expo, highlighting the international competitiveness of Chinese manufacturing [2] Group 2: Innovative Evaluation Systems - PSBC Shanghai Branch has introduced a "Technology Flow" evaluation system to address the financing challenges faced by technology enterprises, enabling better assessment of their value and potential [3] - This system has successfully facilitated the provision of a 34 million yuan loan to Datang Energy Technology Co., showcasing its effectiveness in meeting the financial needs of rapidly growing technology firms [3] - The bank aims to foster a virtuous cycle of "technology, industry, and finance" by focusing on financial innovation and supporting Shanghai's unique technology innovation industries [3]

Core Insights - Postal Savings Bank of China (PSBC) has actively engaged in the investment-loan linkage mechanism since February, focusing on supporting the real economy and expanding effective investment [1][2] - As of the end of July, PSBC has approved project credit amounts exceeding 270 billion yuan and issued nearly 60 billion yuan in loans, targeting key areas such as ecological protection, urban renewal, rural revitalization, and new productivity [1] Group 1 - PSBC has established a dedicated working group to enhance the investment-loan linkage, involving leadership and various departments to ensure effective collaboration [1] - The bank has implemented a comprehensive project management system to improve service efficiency and resource allocation for major projects [1] - Priority policies have been introduced for key projects under the investment-loan linkage, ensuring timely and efficient loan disbursement [1] Group 2 - In the new productivity cultivation sector, PSBC's Anhui branch has utilized the investment-loan linkage to support private technology enterprises like Zhuopu Intelligent Equipment Co., Ltd. [2] - The Anhui branch has developed an innovative "technology flow" evaluation system to assess creditworthiness based on patents, R&D investment, and technical team strength [2] - PSBC aims to leverage its financial strength and extensive network to provide comprehensive financial support for key projects, aligning with national strategic priorities [2]

Core Insights - The article highlights the significant role of China Construction Bank (CCB) Shenzhen Branch in supporting the development of the Shenzhen Special Economic Zone and the Guangdong-Hong Kong-Macao Greater Bay Area through innovative financial services [1][2][3]. Financial Services and Initiatives - CCB Shenzhen Branch launched a comprehensive financial service plan to support the "dual zone" construction, focusing on five key areas: technology, domestic demand, foreign trade, the Greater Bay Area, and people's livelihood [1]. - The bank provided 130 billion yuan in technology loans, 2 billion yuan in inclusive credit for cross-border transactions, and 1.3 billion yuan in housing loans, demonstrating its commitment to financial support [1]. - Over 20,000 technology enterprises have benefited from CCB's services, with consumer loans amounting to 18 billion yuan and strategic emerging industry loans reaching 134 billion yuan [1]. Innovation in Financing - CCB Shenzhen Branch utilized a "technology flow" evaluation system to enhance financing for small and micro technology enterprises, achieving rapid loan approvals and disbursements [3]. - The bank introduced various specialized products, such as "20+8 Industry Loan" and "Shenzhen融贷," to improve loan accessibility for small technology firms [3]. Support for Foreign Trade - CCB Shenzhen Branch implemented a digital inclusive finance strategy to alleviate the financing challenges faced by small foreign trade enterprises, providing over 2 billion yuan in inclusive loans by mid-2025 [5]. - The bank's "Platform Cloud Loan" product enabled quick credit assessments based on real sales data, facilitating significant sales growth for companies [4]. Commitment to Sustainable Development - CCB Shenzhen Branch is actively involved in financing green projects, such as the upgrade of the Ma Wan Power Plant, which aims to reduce coal consumption and emissions [6]. - The bank has also introduced innovative mortgage products for shared ownership housing and prioritized support for the elderly care finance sector [6]. Overall Impact - CCB Shenzhen Branch's multifaceted financial strategies are designed to support high-quality development and promote common prosperity, reflecting the bank's mission in the evolving economic landscape of Shenzhen and the Greater Bay Area [6].

Core Viewpoint - China Construction Bank Shenzhen Branch is actively supporting the development of the Guangdong-Hong Kong-Macao Greater Bay Area and the Shenzhen Special Economic Zone through financial services, with significant increases in loans to technology and strategic emerging industries [2][5][12]. Group 1: Financial Support for Technology and Innovation - As of July 2025, the loan balance for technology enterprises reached nearly 130 billion yuan, with an increase of nearly 20 billion yuan since the beginning of the year [5]. - The bank has developed a "technology flow" evaluation system to assess the technological value of enterprises, facilitating rapid loan approvals for small technology firms [5][6]. - The bank has provided over 120 billion yuan in loans to technology enterprises in 2025, serving more than 20,000 technology companies [5][6]. Group 2: Activation of Domestic Consumption - The bank has launched various consumer loan products, with personal consumption loans exceeding 18 billion yuan in the first half of 2025 [7]. - Special promotional activities have been implemented, including a "trade-in" program that has attracted over 11,000 participants and generated transaction orders worth 70.62 million yuan [8]. - Marketing efforts have included partnerships with major brands, resulting in significant consumer engagement and transaction volumes [8]. Group 3: Support for Foreign Trade - The bank has introduced cross-border financial services to support foreign trade, including a comprehensive personal cross-border financial plan [9][10]. - Over 2 billion yuan in loans have been provided to foreign trade small and micro enterprises, addressing their financing challenges [10]. Group 4: Infrastructure Development - The bank is financing major infrastructure projects in the Greater Bay Area, including energy and transportation initiatives, with a focus on enhancing regional connectivity [11]. - A significant investment of nearly 2 billion yuan has been allocated to upgrade the Ma Wan Power Plant, contributing to energy efficiency and environmental sustainability [11]. Group 5: Enhancing Livelihood and Social Services - The bank has introduced innovative housing loan products, including the first shared ownership housing mortgage in the city, amounting to approximately 1.36 billion yuan [12]. - A dedicated pension financial brand has been established to support the aging population, with tailored financial services and credit policies [12]. - The bank has partnered with local government to streamline social security services, enhancing convenience for residents [12]. Group 6: Future Outlook - The bank aims to deepen structural reforms in financial supply and enhance service quality for the real economy, focusing on technology finance, green finance, and inclusive finance [13].

Core Insights - Postal Savings Bank of China Beijing Branch has significantly enhanced the quality and efficiency of financial services for the real economy through the development of technology finance, providing strong support for the growth of new productive forces [1][2] Group 1: Financial Support and Innovation - The Beijing Branch has established a close collaboration with Xunzhong Communication since 2018, providing support during challenging times, including issuing a large "technology flow" loan in 2024 to help the company accelerate its development [1][2] - The branch has created a "technology flow" evaluation system to address the common challenges faced by high-growth technology enterprises, such as difficulties in access, assessment, and credit granting [1][2] Group 2: Focus on Key Industries - The branch focuses on six cutting-edge industries: artificial intelligence, integrated circuits, information technology, pharmaceutical health, new energy, and new materials, while innovating service models and product matrices to inject strong momentum into key industries in the capital [2][3] - As of July 2025, the branch has served over 2,000 technology enterprise clients, with a loan balance exceeding 20 billion yuan [2] Group 3: Collaborative Ecosystem - The branch strengthens cooperation with various government-funded industrial investment funds and collaborates with China Postal Securities to create an integrated service system, supporting specialized and innovative technology enterprises [3] - The branch aims to deepen financial services throughout the entire lifecycle of technology enterprises through public-private collaboration, investment-loan linkage, and cross-departmental collaboration, providing customized financial solutions [3]

Core Viewpoint - The Postal Savings Bank of China Beijing Branch is committed to supporting the development of specialized and innovative small and medium-sized enterprises (SMEs) through financial technology innovation, aligning with national strategic goals and enhancing financial services for the real economy [1][4]. Group 1: Financial Support and Services - The Beijing Branch has actively supported Xunzhong Communication Technology Co., Ltd. since their partnership began in 2018, providing significant financial assistance during challenging times, including a large "technology flow" loan in 2024 [4][5]. - The branch has offered comprehensive financial services to Xunzhong Communication, including settlement services, social security card processing, payroll services, and private banking for executives, facilitating the company's strategic move to the Hong Kong stock market [4][5]. Group 2: Innovative Financial Solutions - The "technology flow" evaluation system developed by the Postal Savings Bank addresses common challenges faced by high-growth technology companies, such as access, assessment, and credit difficulties, serving over a hundred technology enterprises and providing nearly 10 billion yuan in credit [5][6]. - The Beijing Branch focuses on six key industries: artificial intelligence, integrated circuits, information technology, pharmaceutical health, new energy, and new materials, enhancing financial services throughout the entire lifecycle of technology enterprises [5][6]. Group 3: Digital Transformation and New Financial Models - The branch is leading a digital transformation initiative, launching the "U Yi Calculation" loan platform project in 2024, emphasizing early, small, long-term investments in hard technology [6][7]. - The branch has implemented a "loan-equity linkage" business model, successfully executing the first loan-equity linkage disbursement in the country and introducing the "U Ju Investment" equity valuation model, serving over 2,000 technology enterprises with a loan balance exceeding 20 billion yuan [6][7]. Group 4: Collaborative Ecosystem Development - The Beijing Branch has strengthened cooperation with government and enterprise sectors, establishing a long-term mechanism for collaboration and creating an ecosystem that integrates investment, banking, and research to support specialized and innovative enterprises [7]. - The branch aims to deepen public-private collaboration, investment-loan linkage, and cross-departmental cooperation, enhancing its comprehensive service offerings and contributing to high-quality development in the capital [7].