党的二十届四中全会对进一步全面深化改革、推进中国式现代化作出系统部署，强调健全现代金融体系、提 升金融服务实体经济质效，为新时代金融工作指明了前进方向。作为首都金融体系的重要支柱，北京农商银行始 终胸怀"国之大者"、心系"市之要事"，自觉把自身发展融入国家战略全局和首都功能定位之中。 五年来，北京农商银行紧紧围绕首都"四个中心"功能建设与"五子"联动战略部署，将自身发展深度嵌入首都 发展大局，在服务首都功能升级、京津冀协同发展、民生保障等关键领域精准发力，让国有金融企业的责任担当 落地生根。 在国际科技创新中心建设的浪潮中，该行以科技金融为引擎提速。组织推动科技金融专营化建设，跻身首批 科技金融领军机构，入选中关村科创金融服务中心试点，成为首批北京市知识产权金融生态综合试点单位。创新 "十四五"以来，该行坚持以高质量发展为首要任务，深入贯彻落实党中央、国务院决策部署及北京市委、市 政府工作要求，牢牢把握"稳中求进"工作总基调，完整、准确、全面贯彻新发展理念，聚焦主责主业，深化改革 创新，严守风险底线，扎实推进《北京农商银行五年发展战略规划（2021–2025年）》落地见效。截至2025年9月 末，主要经营指标 ...

Core Insights - The financial industry is facing a transformative opportunity to support technological innovation and local economic development, moving beyond traditional credit models to embrace a more integrated approach to financing [1][2][3] Group 1: 华夏银行 (Huaxia Bank) - Huaxia Bank is implementing a comprehensive initiative to address the inherent conflict between high-risk, long-cycle technology innovation and traditional banking's focus on safety and profitability, utilizing innovative financial tools and internal reforms [3][4] - The bank has successfully launched various financial products, such as "研发贷" (R&D loans) and "并购贷" (merger loans), to meet the specific needs of technology companies, including a notable 13 million yuan R&D loan for a biotechnology firm [4][6] - As of October, Huaxia Bank's loans to technology enterprises reached nearly 240 billion yuan, with a growth rate of approximately 50%, indicating a strong commitment to supporting the tech sector [9] Group 2: 北京农商银行 (Beijing Rural Commercial Bank) - Beijing Rural Commercial Bank has evolved from a local credit cooperative to a major financial institution, with assets growing to 1.3 trillion yuan and maintaining a non-performing loan rate of around 1% [11][12] - The bank focuses on rural revitalization and small and micro enterprises, offering tailored financial products like "优农快贷" (Fast Agricultural Loans) to support local agricultural initiatives [12][14] - As of October, the bank's inclusive small and micro loans reached 20.048 billion yuan, reflecting its commitment to serving diverse customer needs [14] Group 3: 郑州银行 (Zhengzhou Bank) - Zhengzhou Bank is strategically aligned with the national goals of high-quality development and efficient governance, focusing on providing financial support to key industries and local economies [21][23] - The bank has established a "产业链金融" (industry chain finance) model to support local industries, particularly in manufacturing and agriculture, and has signed strategic agreements to provide targeted credit support [24][25] - As of June, the bank's agricultural loan balance was 48.094 billion yuan, demonstrating its commitment to rural financial services [25] Group 4: 中关村银行 (Zhongguancun Bank) - Zhongguancun Bank, as the first private bank focused on technology innovation, aims to build a comprehensive ecosystem for tech enterprises, shifting from merely providing financial services to becoming a key player in the tech finance ecosystem [32][33] - The bank emphasizes early-stage support for startups, particularly in hard technology sectors, and has developed customized financial solutions to meet the unique needs of these companies [34][35] - By collaborating with over 400 venture capital and industry partners, Zhongguancun Bank is creating a robust network to support tech companies throughout their lifecycle [36][37]