针对中小科技型企业"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"维度进行综合评估。同时，"人才 贷""渤银e链""渤银海纳池"等产品矩阵，覆盖了科创企业从初创、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。 近日，在由《证券时报》主办的2025年中国银行业"天玑奖"评选中，渤海银行股份有限公司(以下简 称"渤海银行")凭借在科技金融领域的战略布局与创新实践，荣获"年度科技创新银行"奖项。 "天玑奖"旨在表彰银行业金融机构在多个关键领域的卓越实践与创新成果，重点关注跨境金融、研究赋 能及践行金融"五篇大文章"等领域的突破性进展，同时也涵盖财富管理、资产管理、私人银行等领域的 标杆案例。 渤海银行此次斩获"年度科技创新银行"奖项，得益于该行近年来高度重视科技赋能，持续加大金融科技 投入，以科 ...

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]