未来，北京农商银行将以此次首笔科技研发贷落地为契机，持续深化科技金融创新实践，丰富科技信贷 产品矩阵，完善全生命周期金融服务。通过加强政企协同、细化行业服务方案，加大对高新技术企业、 专精特新企业的支持力度，让金融活水更精准地滴灌科技创新沃土，为北京国际科技创新中心建设与实 体经济高质量发展贡献更多金融力量。 北京华诺泰生物医药科技有限公司是经开区"土生土长"的生物医药企业，深耕疫苗研发领域，其攻关的 相关疫苗项目具有重要公共卫生价值与市场潜力。 一笔236万余元的"科技研发贷"，如一场及时雨，为企业注入了发展活力。后续这笔资金将专项支持疫 苗创新研发与技术攻关，用于企业研发过程中的原材料采购、实验设备升级及研发团队保障等一系列关 键环节，助力企业加速科技成果转化，为提升区域生物医药产业核心竞争力注入动力。 "科技研发贷"是北京农商银行面向科技型企业创新推出的流动资金贷款，用于满足企业在科技创新及成 果转化、科技项目研发和持续型技术服务等方面的需求。除此之外，北京农商银行在科技金融领域形成 了涵盖"专精特新信用贷""科技人才贷""科技订单贷""科创智贷""科创链贷"等产品的75项产品矩阵，覆 盖企业全生命周期 ...

专家表示，我国科技金融产业发展已经取得成绩，但还存在科技型小微企业融资难、融资贵，行业 内"投早、投小、投硬科技"服务水平不够等问题。工业和信息化部火炬中心副主任李有平建议："银行 金融机构需要进一步强化产品创新，形成全链条金融服务精准配置和支持，特别是针对企业孵化、技术 转移等环节开发金融工具和服务。" "推动科技金融服务提质，银行需要加大对科技创新项目的专项融资、科技领域收购兼并融资、技术更 新改造融资等支持力度；加大与政府机构、风险投资机构的合作，通过联合投资、风险共担等方式，积 极助力科技企业的股权投资。同时应优化其风险控制模型，以更好地评估和管理潜在的风险，在支持企 业创新的同时保持稳健的运营。"清华大学国家金融研究院院长田轩说。 国有银行业积极创新多维度评价模式支持科技企业融资。交通银行行长张宝江介绍："在企业静态经营 数据的基础上，我们更多关注研发投入、人力资本、社会认可、行业地位等动态经营行为，多维度评价 企业的科技含量。"面对轻资产、高研发投入科技型制造企业的融资痛点，中国工商银行湖州分行推 出"看未来"的科创企业专属信用评价体系，评价体系融合科技局平台数据，将评价维度从有形资产和历 史业绩 ...

Core Insights - Beijing Rural Commercial Bank has transformed from a rural credit cooperative into a modern commercial bank with an asset scale exceeding 1.3 trillion yuan, marking a significant evolution over 20 years [1][18] - The bank's establishment in 2005 as the first provincial-level shareholding rural commercial bank in China initiated a new chapter in its development, focusing on modern corporate governance and service to urban and rural areas [1][3] Historical Development - The bank's roots trace back to the establishment of the first rural credit cooperative in the Beijing suburbs in 1950, which laid the foundation for its future growth [2][3] - The bank faced significant challenges during its early reform phase, including high non-performing loan rates and the need to establish a modern governance framework [3][4] Financial Performance - From 2005 to 2025, the bank's asset scale grew by over 1.15 trillion yuan, with cumulative operating income exceeding 245 billion yuan and net profit surpassing 93.5 billion yuan [4] - The bank maintained a non-performing loan ratio around 1% for 12 consecutive years, significantly improving its ranking among global banks [4] Governance and Organizational Structure - The bank has implemented a governance framework that emphasizes clear responsibilities and efficient operations, transitioning from a loose governance structure to a more effective one [8][9] - Organizational restructuring has focused on reducing redundancy while enhancing service capabilities, particularly in microfinance and digital transformation [9][10] Digital Transformation - The bank has prioritized digital transformation as a core driver of high-quality development, establishing a comprehensive digital ecosystem that integrates management, operations, risk control, and customer service [13][16] - By mid-2025, the bank had launched over 800 digital projects, significantly enhancing its operational efficiency and customer engagement [15][16] Future Outlook - The bank aims to continue its growth trajectory by aligning with national strategies and focusing on serving urban and rural communities, small and medium enterprises, and enhancing its digital capabilities [18][19] - The vision for the future includes becoming a "smart rural commercial bank" that contributes to the modernization of China's economy while maintaining its commitment to social responsibility [19]

Core Insights - Beijing Rural Commercial Bank has launched two innovative financial products, "Sci-Tech Smart Loan" and "Sci-Tech Chain Loan," which integrate ecological transaction-based credit reconstruction with artificial intelligence technologies [1][2] - These products are designed to support technology-based enterprises by focusing on their core intellectual property and the associated transaction credit data [1][2] Product Overview - "Sci-Tech Smart Loan" targets technology enterprises in industrial parks, offering financing up to 10 million yuan for small and micro enterprises and up to 30 million yuan for medium and large enterprises, based on their core intellectual property [1][2] - "Sci-Tech Chain Loan" focuses on the synergy between intellectual property advantages and supply chain stability, providing accounts receivable pledge financing for upstream technology enterprises [1][2] Market Context - Technology enterprises typically exhibit characteristics of being asset-light, high-growth, high-risk, and high-investment, with intellectual property being their primary asset [2] - The bank aims to reduce reliance on traditional financial data by leveraging the actual value of intellectual property and transaction credit data to assess credit risk [2] Strategic Focus - Beijing Rural Commercial Bank plans to enhance its financial services in strategic emerging industries such as information technology, artificial intelligence, biomedicine, energy conservation, and digital economy [2]

Group 1: Emerging Technologies and Innovations - The 2025 Service Trade Fair showcased new technologies and service solutions, including AI, healthcare, smart logistics, and the integration of business, travel, culture, and sports [1] - COFCO Group presented its achievements in digital transformation within the global agricultural supply chain, including the completion of cross-border electronic bill practices under the China-Singapore "Digital Trade Port" project [1] - China Merchants Industry Group designed four immersive interactive experience routes at its exhibition, highlighting online booking, intelligent tracking during transport, and maritime navigation experiences [1] Group 2: Construction and Engineering Innovations - China State Construction Engineering Corporation (CSCEC) displayed the world's first subway shield tunneling muck resource utilization production line, which has received 26 invention patents, aimed at reducing costs and carbon emissions [2] - CSCEC also showcased various innovative solutions for urban issues, such as mechanical parking systems and drainage solutions, to improve living conditions in old residential areas [2] - The "Beijing Office" intelligent government collaboration platform, developed by the Beijing Big Data Center, integrates AI and large model technology to enhance government office efficiency [2] Group 3: Financial Services and Circular Economy - JD Group demonstrated multiple applications of its "JoyAI" model, including AI-driven robots and toys that enhance interactive experiences for users [3] - Beijing Rural Commercial Bank launched two new financing products focused on intellectual property, aimed at providing differentiated financial support for various innovation-driven enterprises [3] - Zhuanzhuan Group, a pioneer in the second-hand circulation economy, aims to improve transaction trust and experience through services like "official verification" [3]