司机开车看"后视镜"，最关心的会是什么？可能是走过去的道路、身后已有的车辆以及新出现的车辆。 这和商业银行传统信贷审批逻辑有些相似：审视企业近年的财务报表、当下的固定资产以及企业的现金 流。 这套逻辑能快速梳理传统企业的发展阶段及资金需求，但对绝大多数发展尚在早期的科技企业、尤其 是"硬科技"企业来说，以上条件足以让他们与银行"绝缘"：前期研发投入大、销售渠道小、固定资产 少、现金流依赖融资。 2023年中央金融工作会议将"科技金融"置于"五篇大文章"之首后，一个新命题清晰摆在所有金融机构面 前：如何用金融的活水，精准滴灌科技创新的根脉？ 在实践中，有银行开始拿起"望远镜"向前看赛道、看技术、看团队，打造科技金融服务的新范式。 以思变破局： 中信银行杭州的业务团队在接触该项目时，并未将评估重点放在资产负债表上，尽职调查关注的核心要 素包括：技术是否源于顶尖科研机构、核心团队背景是否扎实、产业前景是否广阔等。 重塑价值评估体系 2022年，中信银行（601998）在总行层面成立科技金融中心，其特殊之处在于，该中心由投资银行部与 科技金融中心合署办公。组织架构安排，意在将投资银行的专业判断、资源整合与价值发现能力 ...

对于商业银行而言，发展科技金融是必由之路。作为较早设置科技金融专营机制的银行，中信银行 （601998）近年来在产品创新、投贷联动、生态建设等方面迈出诸多探索和创新的步伐。 二是作为发展驱动中心，搭好顶层设计之梁，立稳体系建设之柱，夯实能力提升之基。中信银行科技金 融中心重点锚定专精特新等高科技属性、高成长性的硬科技客群开展名单制营销，建立科技金融产品矩 阵，不断丰富完善政府部门、科研院所、私募机构、要素市场、行业协会以及券商等市场服务机构的合 作生态，实现对科技企业多元化、接力式的全生命周期综合金融服务。 三是作为资源统筹中心，牵头优化体制机制、整合保障资源、配置专项政策。中信银行将科技金融业务 相关指标纳入考核体系，并给予专项补贴；设置双人审批、"1+2"审批等差异化审批机制，提升科技企 业授信效率和可获得性；制定科技金融业务授信调查、审查审批尽职免责制度；将科技创新要素纳入评 级模型，进一步优化了评估效果。 创新引擎驱动：产品列阵 全链赋能 据中信银行介绍，该行2022年在总行设立科技金融中心，负责推动全行科技金融业务发展。科技金融中 心发挥战略实施中心、发展驱动中心、资源统筹中心作用，将产品创新作为重 ...

Core Viewpoint - The banking industry, as a key player in the modern financial system and a vital supporter of the real economy, is increasingly engaging in the technology finance sector, with CITIC Bank leading the way by integrating technology finance into its strategic development [2] Group 1: Financial Innovation - CITIC Bank has introduced innovative financial products that focus on "future potential" rather than historical financial performance, exemplified by its first option loan transaction in August, which supports early-stage technology enterprises [5][6] - The "option loan" model allows CITIC Bank to support technology companies that lack traditional collateral, thus broadening their financing channels and demonstrating the bank's commitment to nurturing early-stage tech firms [6] - The "mid-term research insurance + technology achievement transformation loan + option loan" project creates a comprehensive support system that benefits banks, enterprises, and insurance companies [7] Group 2: Ecosystem Empowerment - CITIC Bank recognizes that technology enterprises require more than just financial products; they need comprehensive services including technical support and policy consultation to address key pain points in technology finance [10] - The establishment of a Technology Finance Center at CITIC Bank aims to integrate resources and expertise from various departments to better serve technology enterprises [11] - By collaborating with government agencies, investment institutions, and industry leaders, CITIC Bank has created five ecological circles to provide diverse financial services throughout the entire lifecycle of technology enterprises [11] Group 3: Collaborative Efficiency - CITIC Bank leverages the comprehensive advantages of CITIC Group to develop a unique financial service model, launching the CITIC Equity Investment Alliance to provide a one-stop comprehensive financial service model [14] - The CITIC Equity Investment Alliance has managed funds exceeding 320 billion and has invested in over 1,100 technology enterprises, showcasing the bank's commitment to supporting early-stage tech firms [14] - As of June 2025, CITIC Bank's technology enterprise loan balance reached 660.637 billion, reflecting an 8.14% increase year-on-year, indicating the bank's effective engagement in the technology finance sector [15]

Core Insights - The article discusses the innovative approaches taken by CITIC Bank in the realm of technology finance, emphasizing a shift from traditional credit reliance on historical financial performance to a focus on future potential [1][2][3] Group 1: Innovative Financial Products - CITIC Bank has introduced a "choice loan" model that allows for the financing of high-tech enterprises, particularly those with intangible assets like intellectual property, thus overcoming traditional collateral barriers [1] - The "Mid-term Research Insurance Loan" combines credit support and risk compensation, facilitating the transformation of scientific research into production [2] - A comprehensive product service system has been established, covering various stages of enterprise development, including "Technology Achievement Transformation Loan" and "Torch Loan" [2] Group 2: Ecosystem Empowerment - CITIC Bank is creating a collaborative ecosystem involving government departments, investment institutions, and industry leaders to provide diversified financial services throughout the entire lifecycle of technology enterprises [5] - The establishment of a Technology Finance Center at CITIC Bank aims to integrate resources and expertise to better serve the diverse needs of technology companies [3][4] Group 3: Collaborative Efficiency - The CITIC Equity Investment Alliance has been launched to provide a one-stop comprehensive financial service model, focusing on early-stage technology enterprises [6] - As of July 2024, the CITIC Equity Investment Alliance manages over 320 billion yuan in funds and has invested in over 1,100 technology companies [6] Group 4: Performance Metrics - As of June 2025, CITIC Bank's technology enterprise loan balance reached 660.637 billion yuan, reflecting an 8.14% increase year-on-year, with a customer base of 92,100 technology clients [7] - The bank has successfully engaged with national-level specialized and innovative enterprises, with a total of 10,947 accounts opened in this segment [7]

Core Viewpoint - The recently released "Implementation Plan for High-Quality Development of Financial Technology in Banking and Insurance" emphasizes the need for banks to enhance their technology financial services, product systems, professional capabilities, and risk control abilities. China CITIC Bank has made significant strides in product innovation and ecosystem development in this area [1][2]. Group 1: Strategic Implementation - CITIC Bank established a Technology Financial Center in 2022 to drive the development of technology financial services across the bank, acting as a strategic implementation center to ensure national strategies and policies are effectively executed [1][2]. - As of the end of 2024, CITIC Bank's technology enterprise loan balance reached 564.37 billion yuan, a growth of 19.34% from the beginning of the year, positioning it among the top banks in the country [2]. Group 2: Development Driving Center - The Technology Financial Center focuses on high-tech and high-growth enterprises, implementing a "7+8+N" product matrix to provide comprehensive financial services throughout the lifecycle of technology enterprises [2][3]. - Nearly 90% of specialized and innovative enterprises are covered by CITIC Bank's services, with coverage of almost half of the enterprises awarded the National Science and Technology Progress Award [2]. Group 3: Resource Coordination - CITIC Bank integrates technology financial business indicators into its assessment system and offers special subsidies, enhancing the efficiency and accessibility of credit for technology enterprises [3]. - The bank has implemented differentiated approval mechanisms to improve the credit granting process for technology companies [3]. Group 4: Product Innovation - CITIC Bank has developed innovative products such as the "Torch Loan" and "Technology Achievement Transformation Loan," which cater to the specific needs of technology enterprises at various growth stages [4]. - The bank's product offerings include a full lifecycle service model, providing tailored financial solutions for startups, growth-stage companies, and mature enterprises [4]. Group 5: Ecosystem Development - CITIC Bank aims to provide comprehensive support for technology enterprises through a "five-circle" ecosystem, which includes activating capital support, enhancing government collaboration, fostering listing cultivation, expanding industry connections, and accelerating results transformation [6]. - The bank's approach includes building a platform for technology enterprise financing and collaborating with government departments to provide essential support such as financial subsidies and guarantees [6]. Group 6: Future Outlook - CITIC Bank plans to integrate various innovative elements from government, industry, academia, research, finance, and services to create a one-stop resource interface for technology enterprises [7].