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]

中证报中证网讯(记者吴杨)9月12日，记者从北京农商银行获悉，该行把基于生态交易基础的信用重构 与知识产权技术、大模型等人工智能技术创新性地相结合，正式推出"科创智贷"和"科创链贷"两款知识 产权金融生态融资产品。 北京农商银行"科创智贷"和"科创链贷"两款产品，通过在生态交易中挖掘科技型企业核心知识产权价 值，逐步减少对传统财务数据的依赖，辅以宽维数据验证，形成对科技型企业未来视角的风险识别，提 高数据的及时性和真实性。 北京农商银行表示，该行将持续做好金融"五篇大文章"，深化知识产权金融生态服务创新，重点支持新 一代信息技术、人工智能、生物医药、节能环保、数字经济等战略新兴产业。 据了解，科技型企业普遍存在轻资产、高成长、高风险、高投入的特征，对于科技型企业来说，知识产 权往往是其主要资产，尤其是科技型企业的核心专利、知名商标或优质版权等核心知识产权。知识产权 一般具有无形性、非标性和非独立性的特点。如何研判和审视知识产权的价值，拓宽未来视角的风险识 别，这与银行贷款未来偿债能力的研判息息相关。 产业化程度较高的知识产权，通常对应企业核心业务或产品，且已形成订单、流水等交易数据，这些数 据既印证了知识产权 ...

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]