科技金融是推动我国金融高质量发展必须要做好的"五篇大文章"之一，有关领导高度重视科技创新工 作，多次围绕加快实施创新驱动发展战略、提升科技自立自强能力发表讲话。交通银行作为国有大行， 始终胸怀"国之大者"，积极践行国家科技强国战略，主动担当起科技金融主力军的使命，集全集团之力 写好科技金融大文章。 交通银行山东省分行坚决落实总行工作部署，躬身入局，汇聚合力，积极搭建银企沟通桥梁，协助打通 科技成果供给、需求两端，在供给端、需求端、服务端做好对科技型企业全生命周期的赋能服务。2023 年初，交通银行山东省分行整合公司、普惠、审批、风险、投行、国际等条线专业人才，成立科技金融 柔性团队，10月组建科技金融专班。专班组建后，积极构建数字化产品体系、场景体系、增信体系、风 控体系，形成"全生命周期、全产品生态、全流程闭环"的"交银科创"科技金融展业新模式，从行业研 究、客户准入、产品设计、授信审批、风险防控等环节入手，探索服务科技奖补资金监管、科技股权投 资、科技企业融资与结算、科技人员代发工资与增值服务等全生命周期，打造山东省"交银科创"科技金 融数字化服务体系。 深化模型应用，打造数字化产品体系 交通银行山东省分 ...

Core Viewpoint - The Bank of Communications Shandong Branch has innovatively developed the "Sci-Tech Qilu Loan" brand to address the financing difficulties faced by technology enterprises, benefiting over 2,000 companies and approving loans exceeding 7 billion yuan within a few months of its launch [1][10]. Group 1: Financial Innovation and Support - The Bank of Communications, established in 1908, is one of China's oldest banks and has been a key player in providing diversified financial support to the real economy [2]. - The Shandong Branch has formed a specialized team focusing on technology finance, targeting four key sectors: new generation information technology, biomedicine, new energy materials, and high-end equipment [2]. - A comprehensive strategic cooperation agreement with the provincial science and technology department has led to the introduction of a technology finance pre-review mechanism, enhancing the entire lifecycle financial services for technology enterprises [2]. Group 2: Loan Products and Performance - The Shandong Branch has established business relationships with nearly 7,000 technology enterprises, with a loan balance exceeding 50 billion yuan, and has disbursed over 30 billion yuan in loans to more than 2,000 technology enterprises this year alone [3]. - The "Sci-Tech Qilu Loan" is an innovative online credit loan product launched in early 2024, which has been recognized as a 2025 "Good Financial - Technology Finance" innovative product [9]. - The loan approval process is streamlined, with a maximum credit limit of 20 million yuan and a loan term of up to 3 years, allowing for rapid disbursement within one day [9]. Group 3: Case Studies and Product Upgrades - Successful case studies include providing a 2.76 million yuan loan to a new materials company affected by trade tensions and a 2.61 million yuan loan to a biotechnology company lacking financing experience [11]. - The upcoming "Sci-Tech Qilu Loan 2.0" version will enhance flexibility in guarantee methods and improve the efficiency of loan renewals, set to launch by the end of June [11]. - The Bank of Communications Shandong Branch aims to continuously improve the quality and efficiency of its technology finance services, expanding financing channels for technology enterprises [12].

交通银行山东省分行积极服务国家创新驱动发展战略，围绕深入推进科技金融转型，着力实施"稳大、 强中、扩小"的客户经营策略，从行业研究、客户准入、产品设计、授信审批、风险防控等环节入手， 为企业定制一揽子专属综合金融服务方案，引导金融资源更多向"硬科技"领域聚集，逐渐形成科技金融 山东交行特色。 优化体制机制精准选定行业 交通银行山东省分行进一步发挥金融的桥梁纽带作用，围绕与科创企业紧密相关的产业链、科创圈、科 技园，为山东省科技型企业搭建"朋友圈"。该行积极对接政府部门，争取合作资格，与山东省有关部门 签署全面战略合作协议，获得"科融信"平台首批试点合作银行和"拨投贷"资金监管行资格，独家获取有 关部门科技立项评审委员会委员席位。综合分析科技奖补专项资金、投资机构业务需求，创新开发上 线"交银科创科技资金服务平台"，已推动省有关部门"拨投结合""先投后股"专项资金监管落地和济南产 发投资集团签约上线，实现银政企场景合作突破。积极对接省有关部门科融信平台、知识产权公共服务 平台、"爱山东"政府服务平台等，向平台海量客户投放产品链接广告。与科创促进中心、行业协会、投 资机构等深度合作，达成"齐鲁企舞""海右路演"等 ...