对于商业银行而言，发展科技金融是必由之路。作为较早设置科技金融专营机制的银行，中信银行 （601998）近年来在产品创新、投贷联动、生态建设等方面迈出诸多探索和创新的步伐。 二是作为发展驱动中心，搭好顶层设计之梁，立稳体系建设之柱，夯实能力提升之基。中信银行科技金 融中心重点锚定专精特新等高科技属性、高成长性的硬科技客群开展名单制营销，建立科技金融产品矩 阵，不断丰富完善政府部门、科研院所、私募机构、要素市场、行业协会以及券商等市场服务机构的合 作生态，实现对科技企业多元化、接力式的全生命周期综合金融服务。 三是作为资源统筹中心，牵头优化体制机制、整合保障资源、配置专项政策。中信银行将科技金融业务 相关指标纳入考核体系，并给予专项补贴；设置双人审批、"1+2"审批等差异化审批机制，提升科技企 业授信效率和可获得性；制定科技金融业务授信调查、审查审批尽职免责制度；将科技创新要素纳入评 级模型，进一步优化了评估效果。 创新引擎驱动：产品列阵 全链赋能 据中信银行介绍，该行2022年在总行设立科技金融中心，负责推动全行科技金融业务发展。科技金融中 心发挥战略实施中心、发展驱动中心、资源统筹中心作用，将产品创新作为重 ...

Core Viewpoint - The recently released "Implementation Plan for High-Quality Development of Financial Technology in Banking and Insurance" emphasizes the need for banks to enhance their technology financial services, product systems, professional capabilities, and risk control abilities. China CITIC Bank has made significant strides in product innovation and ecosystem development in this area [1][2]. Group 1: Strategic Implementation - CITIC Bank established a Technology Financial Center in 2022 to drive the development of technology financial services across the bank, acting as a strategic implementation center to ensure national strategies and policies are effectively executed [1][2]. - As of the end of 2024, CITIC Bank's technology enterprise loan balance reached 564.37 billion yuan, a growth of 19.34% from the beginning of the year, positioning it among the top banks in the country [2]. Group 2: Development Driving Center - The Technology Financial Center focuses on high-tech and high-growth enterprises, implementing a "7+8+N" product matrix to provide comprehensive financial services throughout the lifecycle of technology enterprises [2][3]. - Nearly 90% of specialized and innovative enterprises are covered by CITIC Bank's services, with coverage of almost half of the enterprises awarded the National Science and Technology Progress Award [2]. Group 3: Resource Coordination - CITIC Bank integrates technology financial business indicators into its assessment system and offers special subsidies, enhancing the efficiency and accessibility of credit for technology enterprises [3]. - The bank has implemented differentiated approval mechanisms to improve the credit granting process for technology companies [3]. Group 4: Product Innovation - CITIC Bank has developed innovative products such as the "Torch Loan" and "Technology Achievement Transformation Loan," which cater to the specific needs of technology enterprises at various growth stages [4]. - The bank's product offerings include a full lifecycle service model, providing tailored financial solutions for startups, growth-stage companies, and mature enterprises [4]. Group 5: Ecosystem Development - CITIC Bank aims to provide comprehensive support for technology enterprises through a "five-circle" ecosystem, which includes activating capital support, enhancing government collaboration, fostering listing cultivation, expanding industry connections, and accelerating results transformation [6]. - The bank's approach includes building a platform for technology enterprise financing and collaborating with government departments to provide essential support such as financial subsidies and guarantees [6]. Group 6: Future Outlook - CITIC Bank plans to integrate various innovative elements from government, industry, academia, research, finance, and services to create a one-stop resource interface for technology enterprises [7].