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 ...

9月17日，东莞松山湖科技金融集聚区系列活动之第二期政策性融资产品发布大会举行，正式推出"天使贷"与"园区保"两项创新金融产品，同步揭牌"缺口 介入机制"工作服务站，发布《"股贷担保租"联动服务队实施细则》，并启动东莞金融"五篇大文章"宣传平台，加快构建一个"金融生态圈"。此举标志着 松山湖在构建科技金融全生命周期服务体系方面迈出关键一步。 新增两款金融产品 覆盖全生命周期融资需求 本次活动发布的第二期政策性融资产品"天使贷" 与 "园区保"，为科技型企业提供了更加精准化、全周期的金融支持体系。其中，"天使贷"最高100万元的 额度，针对早期科技企业特点，专门设计用于支持种子期和初创期企业，解决其首贷难题；而"园区保"最高1000万元的贷款额度，则着眼于成长期和成熟 期企业，通过构建多方风险分担机制，为企业规模化发展提供强劲动力。 "针对科技型企业轻资产、高创新但融资难的特点，我们在首期'评级贷'产品基础上，进一步优化推出第二期产品，实现企业全生命周期融资需求覆 盖。"松山湖科技金融服务中心相关人员介绍。 此次活动得到多个省市单位支持，旨在通过政府与市场协同发力，引导金融资源更精准、更早期地注入科技创新领域。 ...

Group 1 - The article highlights the shift in financing for technology companies, moving away from traditional collateral-based models to more tailored financial products that recognize the unique characteristics of these firms [1][2] - Technology companies like Shenzhou Medical and Weiyuan Synthetic are leveraging advanced technologies and innovative solutions, yet they face challenges in securing financing due to their asset-light nature [1][2] - Banks are increasingly adopting a "tailored" approach to support technology firms, focusing on their innovation capabilities rather than traditional financial metrics [2][3] Group 2 - The introduction of products like "Technology Achievement Transformation Loan" by banks allows for a more nuanced evaluation of technology companies based on their patents, team, and market potential [2][3] - Financial institutions are encouraged to enhance their support for technology innovation as outlined in recent policies from multiple government departments [3][5] - Banks are forming partnerships with technology firms, providing not just loans but also comprehensive support that includes government subsidies and industry expertise [4][6] Group 3 - The concept of "system empowerment" is emerging, where banks aim to be partners in the growth of technology companies rather than just lenders [6][8] - Financial institutions are creating a product matrix that covers the entire lifecycle of technology companies, addressing diverse funding needs at different growth stages [8] - Collaboration among banks, government funds, and industry players is essential to build a supportive financial ecosystem for technology innovation [8]

Core Viewpoint - Hunan is advancing towards becoming a technology innovation hub with core competitiveness through various innovative practices and financial support from CITIC Bank's Changsha branch [1][2]. Group 1: Financial Support for Technology Innovation - CITIC Bank's Changsha branch has developed a three-year action plan for technology finance, focusing on organizational structure, mechanism construction, channel expansion, customer management, product system, and capability enhancement to activate the "power source" for technological innovation [2]. - The bank has established a technology finance center and designated ten "technology finance pioneer branches" to create a comprehensive financial support matrix for technology enterprises [2]. - The bank has organized financial service conferences for specialized and innovative enterprises in Hunan for two consecutive years, focusing on key industries such as biomedicine, information technology, and new materials [2]. Group 2: Product Matrix for Key Industries - CITIC Bank has introduced a multi-dimensional financial product matrix targeting strategic emerging industries in Hunan, such as artificial intelligence, integrated circuits, and new energy [3]. - The bank has launched products like the "localized points card" and "Gongxin E-loan" to provide precise services tailored to local policies and industry characteristics [3]. - A notable case involved a core material R&D company in chip localization that received a fixed asset loan of 19 million yuan to support its advanced laboratory construction and research capacity expansion [3]. Group 3: Upgrading Service Quality - CITIC Bank is enhancing its financial services by integrating them into regional development strategies, thereby energizing industrial clusters in Hunan [4]. - The bank facilitated the issuance of a 1 billion yuan technology innovation bond for SANY Group, marking it as Hunan's first such bond and exemplifying the deep integration of finance and technology innovation [4]. - The bank also provided a commitment for a 900 million yuan stock repurchase special loan, supporting the largest stock repurchase loan business in Hunan [4]. Group 4: Future Directions - CITIC Bank plans to continue advancing its technology finance services with a focus on providing comprehensive financial support for various innovative entities, contributing to high-level technological self-reliance and the construction of a modern industrial system [5].

Core Insights - The recent expansion of a security technology company in Shandong has led to a significant increase in order volume, necessitating funding for raw material procurement, which was addressed by Tai'an Bank through a tailored financial service solution [1] - Tai'an Bank aims to enhance its role as a boutique bank by focusing on excellent performance, employee trust, customer satisfaction, regulatory compliance, and government recognition, while increasing financial support for technological innovation [1][3] Group 1 - Tai'an Bank provided a 2 million yuan small and micro technology achievement transformation loan to alleviate the financial pressure on the company, ensuring smooth project progress [1] - As of the end of August, Tai'an Bank's loans to innovative enterprises reached 7.396 billion yuan, an increase of 461 million yuan since the beginning of the year, benefiting 430 innovative enterprises [1] Group 2 - The bank focuses on serving specialized and innovative "little giant" companies, gazelle enterprises, "single champions," and unicorns in strategic emerging industries such as energy conservation, high-end equipment manufacturing, biotechnology, new energy, and new materials [3] - Tai'an Bank has developed financial products tailored to the characteristics of innovative enterprises, such as specialized loans, technology achievement transformation loans, and intellectual property pledge loans, offering long terms, high limits, and flexible repayment options [3] Group 3 - The bank has implemented a leadership group to enhance financial support for innovative enterprises, ensuring strategic planning and resource allocation for technology finance [1][3] - By leveraging big data and technology, Tai'an Bank has upgraded its credit business and risk control processes, creating an online credit loan product matrix to facilitate efficient financing applications for enterprises [3]

Group 1 - A company in Shandong urgently needed funds for raw material procurement due to significant business expansion and increased order volume, leading to a timely loan of 2 million yuan from Tai'an Bank to alleviate financial pressure and ensure project progress [1] - Tai'an Bank aims to create a high-quality banking model recognized by employees, customers, regulators, and shareholders, increasing its support for technology innovation with a loan balance of 7.396 billion yuan for sci-tech enterprises, an increase of 461 million yuan since the beginning of the year, benefiting 430 companies [1] - To ensure effective financial services for technology enterprises, Tai'an Bank established a leadership group to oversee the planning and resource allocation of its technology finance strategy, implementing specialized approval mechanisms and incentive systems to encourage lending [1][3] Group 2 - Tai'an Bank focuses on serving regional economic development by targeting specialized and innovative "little giants," gazelle enterprises, and "single champions" in strategic emerging industries such as energy conservation, high-end equipment manufacturing, and new materials [3] - The bank has developed financial products tailored to the characteristics of technology enterprises, such as specialized loans and intellectual property pledge loans, offering flexible terms and high limits to support companies at different growth stages [3] - Tai'an Bank enhances service quality by leveraging big data and technology to streamline credit processes and improve efficiency, while also providing training to develop a team proficient in technology and business to meet the financing needs of enterprises [4]

Core Viewpoint - Nanjing Bank demonstrates robust growth and stability in its operations, aligning with its new five-year strategic plan, showcasing a balanced development across strategic business segments and overall positive quality improvement [1] Group 1: Financial Performance - As of June 30, Nanjing Bank's total assets reached 2.9 trillion yuan, an increase of nearly 12% from the end of the previous year [2] - The bank's deposit scale was 1.64 trillion yuan, and loan scale was 1.38 trillion yuan, growing by 9.98% and 10.41% respectively compared to the previous year [2] - Operating income was 28.5 billion yuan, with a year-on-year increase of 8.64%, while net profit attributable to shareholders was 12.6 billion yuan, up 8.84% year-on-year [2] - The non-performing loan ratio stood at 0.84%, with a provision coverage ratio of 311.65%, indicating good asset quality [2] Group 2: Business Segment Development - Nanjing Bank focuses on differentiated competitive advantages in sectors such as technology innovation, investment banking, green finance, and inclusive finance, leading to balanced growth across three major business segments [3] - Retail business revenue surged by 21.4% year-on-year to 7.6 billion yuan, contributing 829 million yuan in profit [3] - The corporate loan segment exceeded 1 trillion yuan, increasing by 119 billion yuan since the beginning of the year, enhancing credit support for the real economy [3] Group 3: Strategic Initiatives - Nanjing Bank actively supports national and local development strategies, increasing financial supply to key areas, and enhancing financial services for high-quality economic development [4] - The bank has launched various innovative financial products, including technology innovation bonds and green loans, to support the transformation of traditional industries and promote sustainable development [4] - As of June 30, the balance of green finance loans reached 258.3 billion yuan, an increase of 56.2 billion yuan, representing a growth rate of nearly 28% [4] Group 4: International and Consumer Services - Nanjing Bank is optimizing its cross-border financial product and service system, enhancing international business and free trade zone collaboration [5] - The bank has introduced digital products to support foreign trade enterprises, serving 1,257 small and micro foreign trade enterprises [5] - In the consumer finance sector, the bank has launched various initiatives to stimulate consumption, including the "Su Travel Loan" and support for the "old-for-new" policy in key consumer areas [6]

Core Viewpoint - Nanjing Bank's 2025 semi-annual report indicates steady growth in key operating indicators, balanced development across strategic business segments, and an overall improvement in quality, showcasing sustainable development in scale, quality, structure, and efficiency [1] Group 1: Financial Performance - Nanjing Bank has achieved a significant increase in green finance loans, with a balance of 258.3 billion yuan as of June, up 56.2 billion yuan from the beginning of the year, representing an increase of nearly 28% [3] - The personal loan balance reached approximately 332 billion yuan by the end of the second quarter, an increase of nearly 11.8 billion yuan, or 3.67%, compared to the end of the previous year [5] Group 2: Strategic Initiatives - The bank is focusing on key areas such as "two highs and two new" and new quality productivity, enhancing credit investment in these sectors to better align financial services with high-quality economic development [3] - Nanjing Bank has launched various innovative financial products, including the "ecological loan" and the first "near-zero carbon factory-linked loan" in the province, to support the green transformation of traditional industries [3] Group 3: International Business and Consumer Support - The bank is optimizing its cross-border financial product and service system, launching the upgraded "Export Quick Loan 2.0" to support foreign trade enterprises and meet diverse financing needs [4] - Nanjing Bank has initiated a special action to boost consumption, introducing a comprehensive upgrade of its consumer finance product service system, including the "Su Travel Loan" and various measures to stimulate consumer demand [4][5]

Core Viewpoint - Nanjing Bank's 2025 semi-annual report indicates robust growth in core operating indicators, balanced development across strategic business segments, and an overall improvement in quality, showcasing sustainable development in scale, quality, structure, and efficiency [1] Group 1: Financial Performance and Strategy - Nanjing Bank has implemented a new five-year strategic plan, leading to steady growth in key financial metrics [1] - The bank's green finance loan balance reached 25.83 billion yuan, an increase of 5.62 billion yuan, representing a growth rate of nearly 28% compared to the beginning of the year [3] Group 2: Support for Innovation and Industry - The bank focuses on key areas such as "two highs and two new" and new quality productivity, enhancing credit support for these sectors to align financial services with high-quality economic development [3] - Nanjing Bank has launched various financial products to support technology innovation, including the "Xing E Technology Enterprise" service, which has served nearly 26,000 clients [3] Group 3: International Business and Trade - The bank is optimizing its cross-border financial product and service system, promoting the synergy between international business and free trade zone operations [4] - Nanjing Bank has introduced the "Export Quick Loan 2.0" to support foreign trade enterprises, achieving full coverage of various export clients [4] Group 4: Consumer Finance Initiatives - The bank has launched a special action to boost consumption, introducing 20 new measures to enhance consumer scenarios and stimulate demand [4] - By the end of the second quarter, the bank's personal loan balance was approximately 332 billion yuan, an increase of nearly 11.8 billion yuan, with a growth rate of 3.67% [5]