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 - Bohai Bank has launched the "Bohai Science and Technology Fast Loan" product to meet the financing needs of small and medium-sized technology enterprises, focusing on "strengthening the main body, supplementing the chain, and optimizing services" [1][2] - As of October 2025, the "Fast Loan" product has supported 36 enterprises with a total credit issuance of 339 million yuan, demonstrating its role in empowering the real economy and supporting technological innovation [1] - The product features efficient approval processes, flexible credit limits, adaptable loan terms, and a credit-driven approach, addressing the financing challenges faced by small tech enterprises [1][2] Financing Model - The "Bohai Science and Technology Fast Loan" employs a "technology flow" evaluation system that shifts the focus from tangible assets to intangible assets such as intellectual property, R&D investment, team strength, industry prospects, and government support [1][2] - This innovative approach allows for a new financing pathway for asset-light technology enterprises, moving from traditional asset-based lending to a technology and prospect-based trust logic [1] Service Mechanism - Bohai Bank's Tianjin branch has established a full-process service mechanism for the "Fast Loan," including a dedicated technology finance task force and a green approval channel for efficient collaboration [2] - The bank utilizes a specialized assessment model based on the technology scoring card, focusing on patent value, order conversion capability, and technology iteration prospects, ensuring precise pre-loan assessments and dynamic post-loan warnings [2] Case Study - A case example includes a national-level specialized "little giant" enterprise in Tianjin that faced financing challenges due to its asset-light nature. Bohai Bank quickly responded, conducting assessments and approvals within three days, ultimately providing a credit limit of 10 million yuan [2] Future Plans - Bohai Bank aims to continue enhancing its service to the real economy by optimizing the "technology flow" evaluation system, expanding service coverage, and deepening cooperation among government, banks, and enterprises to create a comprehensive service ecosystem [3]

Core Insights - Technological innovation is the core driving force for high-quality development, while "light assets, lack of collateral, and financing difficulties" remain pain points for technology-based SMEs [1] - Bohai Bank has launched the "Bohai Silver Science and Technology Fast Loan" product to meet the financing needs of SMEs, achieving a cumulative support of 36 enterprises and a total loan amount of 33.87 million yuan by the end of October 2025 [1][4] Group 1: Product Features - The "Bohai Silver Science and Technology Fast Loan" product addresses the high R&D investment and urgent financing needs of SMEs by offering efficient approval, flexible credit limits, adaptable terms, and credit-driven advantages [2] - The product features a maximum credit limit of 30 million yuan and a loan term of up to 3 years, aligning closely with the growth cycle of enterprises [2] - The innovative "Technology Flow" evaluation system shifts the focus from tangible assets to intangible strengths such as intellectual property, R&D investment, team capabilities, industry prospects, and government support [2] Group 2: Implementation Mechanism - Bohai Bank's Tianjin branch has established a full-process service mechanism for the "Bohai Silver Science and Technology Fast Loan," including a dedicated technology finance task force and specialized customer manager teams [3] - A green approval channel has been created to ensure efficient collaboration among front, middle, and back offices [3] - The risk control system relies on a specialized assessment model that evaluates patent value, order conversion capability, and technological iteration prospects [3] Group 3: Case Study and Future Outlook - A case study of a national-level specialized "little giant" enterprise in Tianjin highlights the effectiveness of the "Bohai Silver Science and Technology Fast Loan," which provided a pre-approved credit limit of 10 million yuan within three days [4] - The bank plans to further customize loan solutions for equipment upgrades and deepen cooperation with the enterprise [4] - Looking ahead, Bohai Bank aims to enhance its service to the real economy, optimize the "Technology Flow" evaluation system, and expand its service coverage in strategic emerging industries [4]

Core Viewpoint - The article highlights the significant role of Bohai Bank's Changchun branch in supporting the economic revitalization of Jilin Province over the past eight years, emphasizing its commitment to high-quality development through effective financial services and community engagement [1][3]. Group 1: Financial Contributions and Achievements - Over the past eight years, Bohai Bank's Changchun branch has provided nearly 100 billion yuan in various financing, significantly contributing to the local economy [3]. - The branch has made a tax contribution exceeding 330 million yuan, reflecting its role in supporting local development [3]. - The branch has participated in local bond investments exceeding 110 billion yuan and underwritten corporate credit bonds over 18 billion yuan, supporting infrastructure and key industries in Jilin [10]. Group 2: Strategic Focus Areas - The branch has prioritized five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, aligning with national financial directives [5]. - In green finance, the branch has led initiatives such as the first green corporate bond in the province and the first sustainable development-linked medium-term note, contributing to Jilin's dual carbon goals [5][7]. - The "Bohai Agricultural Loan" product has provided 880 million yuan to nearly 9,000 farmers across nine cities in Jilin, showcasing the branch's commitment to rural revitalization [7]. Group 3: Community Engagement and Social Responsibility - The branch has actively engaged in community education, promoting financial literacy through various initiatives, including consumer protection events and anti-fraud campaigns [11]. - It has received over 40 awards for its social responsibility efforts, including recognition as an "Outstanding Unit in Political Work" within the national financial system [12].