一家研发新型服务器技术的科技型企业，凭借知识产权服务平台与高校专利合作，并依托专利成功 获得贷款；一家环保科技公司，用专利质押先后多次从银行得到资金支持，企业规模和营收持续增长； 一家软件企业，仅以商标权质押便获千万元融资，推动人工智能研发进入快车道…… 自2022年11月南京成功获批建设国家级科创金融改革试验区以来，知识产权金融创新加速发力， 构建覆盖"科技—产业—金融"全链条的服务体系，推动知识产权从"纸上专利"变为"真金白银"。记者从市 市场监管局（知识产权局）获悉，2025年，全市知识产权质押融资累计登记金额125亿元，惠及企业超 千家。 "此次突破离不开知识产权服务平台'我的麦田'的牵线搭桥以及中国银行'专利转化贷'的支持。"公司 负责人刘旭铭表示，企业曾在研发过程中遇到技术瓶颈，依托"我的麦田"平台"麦苗计划"自研的专利转 化智能匹配引擎，精准匹配到南京邮电大学的一项关键专利，在平台的积极撮合下，企业与南京邮电大 学迅速达成合作意向，成功完成专利交易。 随后，平台又为企业对接中国银行的"专利转化贷"，提供配套融资支持。"此次融资没有使用传统抵 押物，而是聚焦企业即将产业化的专利技术价值，通过专业评 ...

Group 1 - Nanjing Bank has successfully completed the first "Data Knowledge Loan" product in its system, marking the first dual pledge financing of "data intellectual property + data assets" in Jiangsu province, aimed at promoting the financialization of data assets [1] - Kaos Data Technology Co., Ltd. specializes in industrial IoT and has a solid foundation in data modeling and intellectual property, providing services such as equipment operation and industrial control [1] - The "Data Knowledge Loan" product allows technology-based SMEs with valuable and measurable data assets to convert these assets into low-cost credit funds, creating new financing pathways for innovative enterprises [1] Group 2 - Nanjing Bank has been innovating its financial services for technology enterprises, launching products like "R&D Pipeline Loan" in collaboration with a regional technology transfer center to address long-term funding needs for biopharmaceutical companies [2] - The bank has also established a "Loan-Equity Link" fund for technology talent, innovating cooperation models among government, banks, and parks to provide financing solutions [2] - As of November 2025, Nanjing Bank has served nearly 88,000 technology enterprises, providing over 860 billion yuan in funding, with more than 7,000 technology loan accounts in Nanjing and a loan balance of nearly 50 billion yuan [2]

Core Insights - The first "data intellectual property + data asset" dual pledge financing has been successfully implemented in Nanjing, marking a significant innovation in the financialization of data assets [1][3] - The "Shuzhi Loan" product, launched by Nanjing Bank, allows technology-based SMEs to convert their data assets into low-cost credit funding, providing a new financing pathway for innovative enterprises [3][6] Group 1 - Nanjing Bank has completed the first full-process data intellectual property and data asset pledge financing for Kaos Data Technology Co., Ltd., indicating that data assets can serve as collateral for financing [1][4] - The financing involved a total credit issuance of 10 million RMB, supported by a comprehensive evaluation of data rights ownership, value, and compliance conducted by Nanjing Bank in collaboration with relevant institutions [3][4] Group 2 - Nanjing Bank has been actively innovating its financial services for technology enterprises, having served nearly 88,000 tech companies and provided over 860 billion RMB in funding as of November [6] - The bank has also launched various innovative financial products, including the "R&D Pipeline Loan" and a talent financing fund, to address the funding needs of biotech companies and tech talent [6]

Core Insights - Nanjing Bank is committed to supporting innovative enterprises through tailored financial services, enhancing its reputation in the technology finance sector [1][4] - The bank has developed a new credit culture focused on future potential rather than historical performance, emphasizing team capabilities and cash flow over traditional collateral [2][3] - Nanjing Bank has implemented a "four-special" mechanism to empower technology innovation, including strategic, institutional, product, and team specialization [4] Group 1: Financial Support and Growth - Nanjing Bank has provided significant financial support to innovative companies, with cumulative funding exceeding 850 billion yuan and services extended to nearly 88,000 enterprises by September 2025 [1] - A specific case highlights a pet supplies company that received initial credit support of 4.8 million yuan, which grew to 55 million yuan, resulting in a revenue increase from 20 million yuan to 320 million yuan [3][5] - The bank's approach demonstrates a successful model of "financial + industry" integration, fostering mutual growth between financial institutions and enterprises [3] Group 2: Innovative Financial Models - Nanjing Bank has shifted from traditional debt financing to a model that combines equity and debt, addressing the needs of early-stage companies [5][6] - The bank has launched a "loan + equity" service model, which has already served over 200 companies and aims to become the first in Jiangsu to implement a "subscription rights registration + loan" business by 2024 [6] - A collaborative fund established with local government and investment institutions has successfully invested in 16 projects, showcasing the effectiveness of a "four-party linkage" model [7][8] Group 3: Ecosystem Development - Nanjing Bank is evolving from a mere financial provider to a co-builder of an industrial ecosystem, creating a network of nearly 20,000 technology enterprises and various investment and service institutions [9] - The bank plans to launch a "smart loan manager" platform by the end of 2024, facilitating real-time matching of financial needs among enterprises and investors [9][10] - The bank's service philosophy emphasizes building an open, collaborative, and win-win ecosystem, allowing for innovative solutions and growth opportunities for technology enterprises [11]

Core Insights - Jiangsu Financial Regulatory Bureau, in collaboration with the provincial Science and Technology Department and Finance Department, has initiated a special action to expand the first loan support for technology-based enterprises, resulting in 2,556 companies receiving first loans totaling 14.14 billion yuan by the end of September [1][3] Group 1: Special Action Implementation - Jiangsu financial institutions have developed specific implementation plans to achieve the goals of the special action, with banks like Jiangsu Bank, Nanjing Bank, and Agricultural Bank of Jiangsu quickly establishing their action plans [2] - Nanjing Bank has set up reward policies focusing on customer visits, marketing implementation, and comprehensive services [2] - Bank of China Jiangsu Branch has created a "Digital Inclusive" service platform for automatic customer assignment to nearby branches [2] Group 2: Product and Service Optimization - Jiangsu financial institutions are continuously optimizing products and services to ensure that technology-based enterprises with reasonable financing needs can access loans [3] - Industrial and Commercial Bank of China Jiangsu Branch has introduced a "Value Evaluation System" for technology enterprises, facilitating the transition from "no loan" to "first loan" [3] - Nanjing Bank has launched a product for the transformation of scientific and technological achievements, and upgraded its online standardized product "Xin e Technology Enterprise" [3] Group 3: Loan Growth Metrics - By the end of September, the loan balance for technology-based enterprises in Jiangsu reached 27.7 trillion yuan, reflecting a growth of 16.17% since the beginning of the year, which is 7.33 percentage points higher than the overall loan growth rate [3]

Core Insights - The special action for expanding the first loan for technology-based enterprises in Jiangsu has shown significant results, with 2,556 tech companies receiving a total of 14.14 billion yuan in new loans in the first three quarters of the year [1] Group 1: Implementation of the Special Action - The primary step of the special action involves solid visits and engagement with technology-based enterprises to assess their financing needs [2] - Jiangsu financial institutions have developed implementation plans in response to the special action, with banks like Jiangsu Bank, Nanjing Bank, and Agricultural Bank of China Jiangsu Branch quickly establishing their own action plans [2] - Nanjing Bank has set up reward policies for customer visits and marketing efforts, while Bank of China Jiangsu Branch has created a digital service platform for efficient client management [2] Group 2: Financial Products and Services Optimization - Financial institutions are continuously optimizing their products and services to ensure that technology-based enterprises with reasonable financing needs can access loans [3] - Industrial and Commercial Bank of China Jiangsu Branch has introduced a value evaluation system for tech enterprises, facilitating the transition from "no loan" to "first loan" [3] - Nanjing Bank has launched a product for the transformation of technological achievements, and its online product "Xin e Tech Enterprise" has served 450 first-loan tech companies, with 186 companies receiving a pre-loan credit of 352 million yuan [3] Group 3: Loan Growth Statistics - As of the end of September, the loan balance for technology-based enterprises in Jiangsu reached 27.7 trillion yuan, reflecting a growth of 16.17% since the beginning of the year, which is 7.33 percentage points higher than the overall loan growth rate [3]

Core Viewpoint - Nanjing Bank's Q3 2025 report indicates robust growth in key operational metrics, demonstrating resilience and high-quality development amidst a complex external environment, aligning with national and regional development strategies [1] Group 1: Financial Performance - Total assets reached 2.96 trillion yuan, a 14.31% increase from the end of last year [2] - Total liabilities grew to 2.75 trillion yuan, up 14.48% year-on-year [2] - Deposits increased to 1.64 trillion yuan, a 9.65% rise, while loans reached 1.41 trillion yuan, growing by 12.34% [2] - Operating income was 41.949 billion yuan, an 8.79% year-on-year increase, with net interest income at 25.207 billion yuan, up 28.5% [2] - Net profit attributable to shareholders was 18 billion yuan, reflecting an 8.06% increase [2] - Non-performing loan ratio remained stable at 0.83%, with a cost-to-income ratio of 23.27%, down 4.81 percentage points [2] - Provision coverage ratio stood at 313.22%, and core Tier 1 capital adequacy ratio was 9.54%, showing strong capital strength [2] Group 2: Business Segments - The bank focused on three main business segments: corporate finance, retail finance, and financial markets, enhancing its comprehensive financial service capabilities [3] - Corporate finance loans reached 1.07 trillion yuan, with a growth rate exceeding 14.6%, and medium to long-term loans for manufacturing increased by 31.56% [3] - Technology finance loans amounted to 174.28 billion yuan, a 17.5% increase, with various innovative products launched to support enterprises [4] - Inclusive finance served 200,000 small and micro enterprises, with inclusive loan balances growing over 16.1% [4] - Green finance loans increased by 667.7 billion yuan, a growth rate exceeding 33%, with over 5,500 green loan clients [5] - Retail financial assets reached 968.7 billion yuan, a 17.1% increase, with personal deposits growing by 18.6% [6] Group 3: Market Recognition and Shareholder Support - Major shareholders, including Nanjing High-Tech and Zijin Trust, have increased their stakes, reflecting confidence in the bank's stable operations and future growth [8] - The bank celebrated its 20th anniversary of strategic cooperation with BNP Paribas, signing a new memorandum to deepen collaboration [8] - The bank's high-quality performance has attracted positive evaluations from multiple domestic and international securities firms [9] - A cash dividend of 3.062 yuan per share was announced, totaling 3.7857 billion yuan, representing 30% of the net profit attributable to shareholders [9]

Core Viewpoint - Nanjing Bank has demonstrated resilient high-quality development in the first three quarters of 2025, with steady growth in key operational indicators and a solid foundation for achieving annual business goals [1] Group 1: Financial Performance - Total assets reached 2.96 trillion yuan, an increase of 14.31% compared to the end of the previous year [2] - Total liabilities amounted to 2.75 trillion yuan, growing by 14.48% year-on-year [2] - Deposits stood at 1.64 trillion yuan, with a growth of 9.65%, while loans reached 1.41 trillion yuan, increasing by 12.34% [2] - Operating income was 41.949 billion yuan, up 8.79% year-on-year, with net interest income at 25.207 billion yuan, reflecting a 28.5% increase [2] - Net profit attributable to shareholders was 18 billion yuan, marking an 8.06% year-on-year growth [2] Group 2: Risk Management and Asset Quality - Non-performing loan ratio remained stable at 0.83% [3] - Cost-to-income ratio improved to 23.27%, a decrease of 4.81 percentage points from the previous year [3] - Provision coverage ratio was 313.22%, and the core Tier 1 capital adequacy ratio was 9.54%, up 0.18 percentage points from the beginning of the year [3] Group 3: Business Segments - The bank focused on three main business segments: corporate finance, retail finance, and financial markets, enhancing its comprehensive financial service capabilities [4] - Corporate loans reached 1.07 trillion yuan, with a growth rate exceeding 14.6%, and medium to long-term loans in the manufacturing sector increased by 31.56% [4] - Technology finance loans amounted to 174.28 billion yuan, growing by 17.5% year-on-year [5] - Inclusive finance served 200,000 small and micro enterprises, with inclusive loan balances of 156.1 billion yuan, up over 16.1% [6] - Green finance loans increased by 66.77 billion yuan, a growth of over 33% [7] - Retail financial assets reached 968.7 billion yuan, with personal deposits growing by 18.6% to 565.17 billion yuan [8] Group 4: Market Recognition and Shareholder Support - Major shareholders, including Nanjing High-Tech and Zijin Trust, have increased their stakes, reflecting confidence in the bank's stable operations [10][11] - The bank's high-quality development has attracted positive evaluations from various securities firms, with recommendations for strong buy and outperform ratings [12] - The bank plans to distribute cash dividends of 3.062 yuan per 10 shares, totaling 3.7857 billion yuan, which is 30% of the net profit attributable to shareholders [12]

Core Viewpoint - Nanjing Bank's Q3 2025 report highlights robust growth in key operational metrics, demonstrating resilience and high-quality development amid a complex external environment, aligning with national and regional development strategies [1] Group 1: Financial Performance - Total assets reached CNY 2.96 trillion, a 14.31% increase from the previous year [2] - Total liabilities grew to CNY 2.75 trillion, up 14.48% year-on-year [2] - Deposits increased to CNY 1.64 trillion, a growth of 9.65%, while loans reached CNY 1.41 trillion, up 12.34% [2] - Operating income was CNY 419.49 billion, an 8.79% year-on-year increase, with net interest income rising by 28.5% to CNY 252.07 billion [2] - Net profit attributable to shareholders was CNY 180 billion, reflecting an 8.06% increase [2] - Non-performing loan ratio remained stable at 0.83%, with a cost-to-income ratio of 23.27%, down 4.81 percentage points from the previous year [2] - Provision coverage ratio stood at 313.22%, and core Tier 1 capital adequacy ratio was 9.54%, indicating strong capital and risk absorption capacity [2] Group 2: Business Segments - Focused on three main business segments: corporate finance, retail finance, and financial markets, enhancing comprehensive financial service capabilities [3] - Corporate finance loans reached CNY 1.07 trillion, with a growth rate exceeding 14.6%, and medium to long-term loans for manufacturing increased by 31.56% [3] - Technology finance loans amounted to CNY 174.28 billion, a 17.5% increase, with various innovative products launched to support enterprises [4] - Inclusive finance served 200,000 small and micro enterprises, with inclusive loan balances growing over 16.1% to CNY 156.1 billion [4] - Green finance loans increased by CNY 667.7 billion, a growth of over 33%, with more than 5,500 green loan clients [5] - Retail financial assets reached CNY 968.7 billion, up 17.1%, with personal deposits growing by 18.6% to CNY 565.17 billion [6] Group 3: Market Recognition and Strategic Partnerships - Major shareholders, including Nanjing High-Tech and Zijin Trust, have increased their stakes, reflecting confidence in the bank's stable operations and future growth [8] - Nanjing Bank celebrated its 20th anniversary of strategic cooperation with BNP Paribas, signing a new memorandum to deepen collaboration across multiple dimensions [8] - The bank received strong recommendations from various securities firms, maintaining a high dividend payout ratio of 30% of net profit [9]

Core Insights - The article emphasizes the unprecedented strategic development opportunities for technology finance, highlighted by the recent policies from multiple government departments aimed at strengthening financial support for major technological tasks and technology-based SMEs [1] Group 1: Opportunities in Technology Finance - The national emphasis on technology finance presents significant growth opportunities for banks, particularly in serving technology enterprises, which are becoming key drivers of economic growth [2] - Banks are encouraged to enhance their cross-financial service capabilities, particularly in areas like cross-border financing and international settlements, to support technology enterprises expanding globally [2] - Collaboration with non-bank financial institutions and other entities is essential for banks to meet the complex financial needs of technology enterprises at various stages of development [3] Group 2: Challenges in Serving Technology Enterprises - Banks face challenges in risk assessment due to the high complexity and instability of technology enterprises' business models, making it difficult to evaluate their repayment capabilities [4] - The mismatch between the long financing cycles of technology enterprises and the short-term nature of traditional bank loans poses a significant challenge [4] - The need for banks to adapt their assessment mechanisms and develop innovative credit products to better serve technology enterprises is critical [5] Group 3: Regional Advantages of Local Banks - Local banks like Nanjing Bank have unique advantages in serving local technology enterprises, including a deeper understanding of the local economic environment and industry characteristics [6] - The flexibility in decision-making processes allows local banks to tailor financial solutions to the specific needs of technology enterprises [6] - Local banks can leverage their established relationships with local governments and industry parks to better support technology enterprises [7] Group 4: Collaboration with Government and Industry Capital - Banks should focus on local industries and utilize innovative models like "investment-loan linkage" to effectively connect with government-guided funds and industry capital [8] - By addressing the funding gaps in key segments of the industrial chain, banks can design specialized financial solutions to support projects in emerging sectors [9] - The integration of banking and investment banking capabilities allows banks to provide comprehensive support to industry capital, promoting long-term partnerships and funding solutions [10]