作为现代金融体系的"主力军"、实体经济的"输血者"，银 行业正以前所未有的深度与广度投身科技金融赛道。其 中，中信银行作为国有金融机构主力军，深度践行政策要 求与时代使命，将科技金融纳入战略发展核心，依托中信 集团"金融全牌照、实业广覆盖"协同优势，构建"股贷债 保"联动的多元化接力式服务支撑体系，以金融活水精准灌 溉科技创新沃土 。 封图：图片资料室 产品破局：为 "实验室到生产线"提供金融赋能 如果说传统银行信贷以"历史财务表现"为核心依据，那么银行的科技金融业务则以"未来潜 力"为导向。 如何突破财务依赖，使科技金融能更早介入创新链条？中信银行一项创新产品给行业提供了 借鉴： 8 月，中信银行北京分行在北京股权交易中心认股权综合服务试点平台完成首笔选择 权贷款认股权线上转让业务。 此次转让认股权的标的企业是北京一家"专精特新"专板中聚焦于空间激光通信技术的高新技 术企业，也是北京市商业航天和低空经济产业投资基金的被投企业。中信银行北京分行创新 采用"贷款 + 认股权"的模式支持企业发展，在北股交认股权平台完成认股权登记确权后， 近期提交认股权转让申请，通过认股权平台线上交易。 以往的银行信贷依赖企业提供 ...

此次转让认股权的标的企业是北京一家"专精特新"专板中聚焦于空间激光通信技术的高新技术企业，也 是北京市商业航天和低空经济产业投资基金的被投企业。中信银行北京分行创新采用"贷款+认股权"的 模式支持企业发展，在北股交认股权平台完成认股权登记确权后，近期提交认股权转让申请，通过认股 权平台线上交易。 以往的银行信贷依赖企业提供房产、土地等固定资产作为担保或抵押，但这种模式对轻资产科技企业形 成壁垒——许多科技企业的核心资产是知识产权、技术专利或人才团队，难以抵押。中信银行的这 项"选择权贷款"业务，以银行信贷超前布局优质早期科技企业，既拓宽了科技企业的融资渠道，也是银 行做好科技企业耐心资本的良好体现。 在科技创新领域，全国各地的资源禀赋存在差异，科技基因的构成不同。中信银行充分考虑这个因素， 鼓励各分行结合区域特征，推进属地化产品创设。首笔"中试研保贷"顺时而生。 该项目标的是西安交通大学重点科技成果转化项目，中信银行西安分行通过"科技成果贷"提供研发投入 等流动性资金；保险公司通过"科研保"提供发生重大经营困难等风险补偿。"中试研保贷"相当于同时提 供了"信贷支持"和"风险补偿"的双重保障，助力科技企业完成从 ...

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].