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 ...

近年来，渤海银行紧扣中小科创企业发展需求，以"强主体、补链条、优服务"为工作主线，创新推 出"渤银科速贷"专属产品，通过"科技流"评价体系重构信贷逻辑，为科技型中小企业提供高效融资支 持。 数据显示，截至2025年10月末，"科速贷"产品在津累计支持36户企业，实现信贷投放3.39亿元，成为赋 能实体经济、助力科技创新的金融利器。 通过创新模式与高效服务，"渤银科速贷"精准赋能专精特新企业群体，让不少曾面临融资瓶颈的企业获 得了关键支持。 例如，天津某传热设备公司作为国家级专精特新"小巨人"企业，深耕高效热交换设备领域，拥有多项核 心专利，但因其轻资产属性一度融资受阻。获知这一情况后，渤海银行天津分行快速响应，接洽首日即 安排客户经理上门对接，运用"科技流"打分卡完成评估，次日风险管理部门实地核查专利与订单状况， 第三日即完成预审批，核定1000万元信用授信。"'渤银科速贷'打破了抵押物依赖，解决了企业研发投 入的燃眉之急。"该企业负责人表示。 此外，"渤银科速贷"凭借成熟的产品设计与服务体系，已在战略性新兴产业领域中形成可复制的金融服 务模式。 下一步，渤海银行将继续强化服务实体经济，持续优化"科技流"评价 ...

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].