在顶层设计上，渤海银行总行党委牵头成立金融"五篇大文章"工作领导小组，并下设科技金融专业领导 小组，紧紧围绕服务发展新质生产力和现代化产业体系建设，研究制定《渤海银行推动科技金融高质量 发展实施方案》，保持经营策略与国家战略同频共振，将科技金融作为战略主赛道深入推进。 渤海银行将深化科技金融产品与服务创新，推动"产学研用"深度融合，助力科技型企业高质量发展，为 服务实体经济、建设金融强国持续贡献力量。 针对中小型科技企业"轻资产、高成长、强专业"的特点，渤海银行推出"渤银科速贷"等专项产品，突破 传统授信模式，聚焦企业知识产权、研发投入、团队构成等"科技流"核心维度开展综合评估。同 时，"人才贷""渤银e链""渤银海纳池"等产品矩阵，覆盖了科技企业从初创、成长到成熟各阶段的金融 需求，为企业提供全过程、全周期、全覆盖的综合金融服务，助力企业优化资金管理、提升运营效率。 通过与京东科技等领先数字科技企业达成战略合作，渤海银行还推出"短e贷"等灵活融资产品，聚焦人 工智能、量子科技、生物技术等前沿领域，支持企业临时性、阶段性资金需求。 （编辑 张博） 在不断丰富金融服务产品谱系的同时，渤海银行放眼区域金融生态，通 ...

Core Viewpoint - Bohai Bank has been awarded the "Annual Technology Innovation Bank" at the 2025 China Banking "Tianji Award" for its strategic layout and innovative practices in the field of financial technology [1] Group 1: Awards and Recognition - The "Tianji Award" aims to recognize outstanding practices and innovative achievements of financial institutions in key areas such as cross-border finance and wealth management [1] - Bohai Bank's recognition reflects its significant investment in financial technology and its commitment to integrating financial services with the real economy [1] Group 2: Strategic Initiatives - Bohai Bank has positioned financial technology as the "first engine" to support national strategies for becoming a technology and financial powerhouse [3] - The bank has established a leadership group to implement the "Five Major Articles of Finance" and has developed a plan to promote high-quality development in technology finance [3] Group 3: Product Offerings - Bohai Bank has launched specialized products like "Bohai Technology Fast Loan" to cater to the characteristics of small and medium-sized technology enterprises, focusing on intellectual property and R&D investments [3] - The bank's product matrix includes "Talent Loan," "Bohai e-Chain," and "Bohai Haina Pool," providing comprehensive financial services throughout the lifecycle of technology enterprises [3] Group 4: Regional Collaboration - Bohai Bank collaborates with government agencies and industry parks to create a supportive financing environment for technology enterprises, exemplified by the "Bohai Binhai New Area Points Loan" initiative [4] - This initiative has achieved nearly 100 million yuan in business scale, promoting technology achievement transformation and regional innovation [4] Group 5: Bond Issuance - Bohai Bank is a pioneer in the technology innovation bond sector, having underwritten multiple national first batch technology innovation bonds with a planned issuance scale exceeding 3 billion yuan [6] - The bank has also partnered with CITIC Securities to launch the first technology innovation bond basket in the Beijing-Tianjin-Hebei region, expanding financing channels for technology enterprises [6] Group 6: Future Outlook - Bohai Bank aims to deepen innovation in technology financial products and services, promoting the integration of production, education, research, and application to support high-quality development of technology enterprises [6]

Core Insights - The article highlights the increasing importance of bill financing in supporting private enterprises, particularly in the context of digitalization and innovative financial products [1][5] - Bohai Bank has positioned its bill business as a crucial link between finance and industry, achieving significant growth in bill acceptance and discounting services [1][2] Group 1: Business Growth and Innovation - As of August 2025, Bohai Bank's bank acceptance bill issuance exceeded 280 billion yuan, with bill discounting business reaching nearly 80 billion yuan, injecting substantial financial resources into the real economy [1] - Since becoming a pilot financial institution at the Shanghai Bill Exchange in 2022, Bohai Bank launched a new generation bill service platform, offering a comprehensive online service covering all stages from signing to discounting [2][5] - The introduction of the "Bohai Silver Instant Discount" product in 2024 enabled automatic review of trade backgrounds and instant fund disbursement, with over 2 billion yuan already disbursed to major enterprises in various industries [3] Group 2: Technological Integration and Customer Service - Bohai Bank has developed a "Bill Map" that integrates diverse data to provide clear customer profiles and precise analysis of customer needs, enhancing the ability to reach a broader range of clients [4] - The bank has introduced a comprehensive service solution combining accounts receivable pledge invoicing and discounting, effectively reducing financial costs for leading enterprises in the new energy vehicle sector [4] - Since 2022, the new bill service platform has addressed multiple pain points for enterprises, serving over 10,000 signed companies and embodying the principle of "data doing the running, customers doing less" [5]