本报讯（记者 潘福达）近年来，北京地区科技金融服务质效提升，科创企业获得金融"活水"精准滴 灌，这背后离不开金融机构着眼于长期、陪伴企业成长的"耐心资本"。记者近日从北京银行获悉，该行 在科技金融领域先行先试，以"耐心资本"为科技型企业提供长期稳定的支持，科技金融贷款余额突破 4400亿元，服务专精特新企业超3万家。 贷款余额即借款人尚未归还放款人的贷款总额，是衡量金融体系对实体经济支持力度的关键指标。一般 来说，金融机构各项贷款余额越高，表明对所在地区金融资金投入规模越高，对经济发展的贡献率也越 高。 党的二十届四中全会明确提出"加快建设金融强国"，强调要"大力发展科技金融、绿色金融、普惠金 融、养老金融、数字金融"。从率先在北京成立以科技园区命名的支行——中关村科技园区支行，到如 今明确锚定"专精特新第一行"战略，北京银行在科技金融领域正实现从服务单一客户到赋能产业生态的 转变。 2025年12月5日，"国产GPU（图形处理器）第一股"摩尔线程正式登陆科创板上市。作为一家国家级专 精特新"小巨人"企业，摩尔线程在GPU芯片多个应用领域实现国产化"从0到1"的跨越。从企业早期发展 到成功IPO上市，北京银行 ...

Core Viewpoint - The 10th China International Copyright Expo and 2025 International Copyright Forum was held in Qingdao, co-hosted by the National Copyright Administration and the World Intellectual Property Organization [1] Group 1: Event Participation - Beijing Bank was invited to the event and engaged in in-depth discussions on copyright protection and financial empowerment, being the only financial institution to receive the 2025 China Copyright Gold Award [3] Group 2: Financial Innovation - Beijing Bank recognizes the economic and cultural value of copyrights and has implemented the requirements of the Beijing Regulatory Bureau of the National Financial Supervision Administration and the Beijing Copyright Bureau to support the promotion and application of intellectual property through "mechanism innovation and platform linkage" [5] - The bank launched a specialized product called "Intellectual Property Loan" that allows small and micro enterprises to use core intellectual property such as copyrights as collateral for loans up to ten million yuan, addressing the financing difficulties faced by these enterprises [6] Group 3: Collaborative Platforms - Beijing Bank actively collaborates with professional platforms to integrate financial services with copyright transactions, providing "account + payment" financial services to the Shenzhen Cultural Property Exchange and the National Cultural Big Data Trading Center [7] - The bank is involved in the development of national standards for cultural digital asset valuation and trading, offering professional advice from a financial institution's perspective to promote industry standardization [7] - Future plans include deepening multi-party collaboration, promoting data interaction, expanding application scenarios, and enhancing innovation to build a comprehensive copyright financial service system [7]

Core Viewpoint - The article emphasizes the importance of nurturing and supporting technology-driven enterprises in China as a national strategy for industrial upgrading and achieving high-level technological self-reliance, while highlighting the persistent challenges of "difficult and expensive financing" faced by many small and medium-sized tech companies [1][3]. Group 1: Background and Context - The Chinese government has recognized the need to support specialized and innovative small and medium-sized enterprises (SMEs) as a strategic priority, with multiple policy endorsements since 2021 [3]. - Traditional banking practices, which rely heavily on collateral and current profitability, are misaligned with the characteristics of tech enterprises that often have high R&D costs and long profit cycles [1][3]. Group 2: Beijing Bank's Strategic Initiatives - Beijing Bank has positioned itself as the "first bank for specialized and innovative enterprises," capturing policy benefits and providing a systematic service model to support the development of new productive forces [2][4]. - As of June 2025, Beijing Bank reported total assets of 4.75 trillion yuan and a technology finance loan balance of 434.6 billion yuan, reflecting a 19.31% increase from the beginning of the year and a 131% increase from June 2022 [2]. Group 3: Structural and Operational Innovations - To address the financing challenges of specialized and innovative enterprises, Beijing Bank has established a specialized financial system with a structure of "1+18+N," which includes a central technology finance department and numerous specialized branches [6]. - The bank has implemented a differentiated management approach in its credit approval process, creating a technology enterprise evaluation system that considers factors beyond traditional financial metrics [7]. Group 4: Product Development and Client Engagement - Beijing Bank has developed a tiered product matrix tailored to the different stages of tech enterprises, offering various loan products to meet specific needs, such as "Innovation e-loan" for startups and "Leading e-loan" for growth-stage companies [8][9]. - The bank's approach has shifted from merely providing financial products to actively engaging with clients and understanding their unique requirements, exemplified by its support for companies like Changsha Yingxin Semiconductor Technology Co., Ltd. [8][10]. Group 5: Ecosystem Building and Value Creation - Beijing Bank has transitioned from being a mere fund provider to becoming an ecosystem builder, linking thousands of specialized enterprises with government, industry leaders, and investment institutions [11][12]. - The bank's initiatives include creating collaborative mechanisms and innovative financing products that enhance the value proposition for tech enterprises, demonstrating a comprehensive approach to fostering innovation [12][13].