同时，该行全面上线"科创雷达"科技企业评价体系，量化评估企业科技创新能力。此外，北京银行还整 合商行、投行、私行业务资源，支持企业一揽子、一站式便利融资，并加强了同政府、产业园区、投资 机构等多方合作，共同完善科技金融服务体系，挖掘优质项目和企业。 在北京银行2025年半年度业绩说明会上，霍学文就明确，打造"专精特新第一行"是北京银行的重要战 略，专精特新企业是发展新质生产力的重要力量，有些甚至是破解"卡脖子"难题的关键支撑。为此，该 行把科技金融作为第一站，把专精特新作为第一工程，坚定不移推进这一战略。 在服贸会上，霍学文再次重申，金融作为现代经济的血脉，肩负着为创新"输血"、为产业"搭桥"、为生 态"赋能"的重要使命。北京银行始终坚持以金融服务实体经济为己任，通过"科技-产业-生态"的三轮驱 动，为新质生产力发展聚力赋能。 北京银行将聚焦"大船引航、小船跟航、金融护航"的协同模式，以创新产品滴灌"产业链"，以专业服务 护航"走出去"，以合作精神构建"生态圈"。面向未来，北京银行将以更加开放包容的姿态，增强出海金 融服务效能，护航企业全球布局。 今年服贸会主题为"数智领航，服贸焕新"，因此，在服贸会上，北京 ...

2025年中国国际服务贸易交易会（简称"服贸会"）在北京首钢园举行，本届以"数智领航，服贸焕新"为 主题，金融服务成为一大亮点。 9月11日，作为服贸会的重要活动，"京帆引航 融通出海"金融助力企业协同创新发展大会举行。来自京 津冀地区的多家专精特新企业负责人现场分享技术与产品出海的实践经验，展望未来发展；多项助力企 业"走出去"的金融服务方案也在会上集中发布，为企业出海提供有力支撑。 "金融作为现代经济的核心，为企业国际化发展、融通资金、融通智慧、融通服务，在助力高水平对外 开放过程中发挥着桥梁纽带作用。"北京银行党委书记、董事长霍学文在会上向《华夏时报》等媒体记 者表示。 一批专精特新企业现场路演展成果 "当您结束一天的工作，最想为家人营造怎样的居家场景？是无需弯腰打扫的洁净地板，还是只需轻按 就能自动运转的智能家电？" "过去汽车只是一个铁盒子，如今搭载我们的技术后，它的表皮已能像皮肤一样感知触觉。" 在金融助力企业协同创新发展大会上，来自京津冀地区的多家专精特新企业负责人登台分享，一项项智 能科技的应用与创新理念的展示，赢得在场观众阵阵赞叹。 北京钛方科技有限责任公司（下称"钛方科技"）联合创始人李雄 ...

中共北京市委金融工作委员会委员、北京市地方金融管理局副局长王颖表示，此次大会对促进政银企协 跨界合作具有重要意义。北京作为创新活力之城，正着力建设国际科技创新中心，已形成多个万亿级和 千亿级产业集群；作为开放合作之城，积极推动"一带一路"合作和产业深度融合；作为金融要素集聚之 城，金融业一直是北京的重要支柱产业，有力支撑经济高质量发展。期待各方携手探索金融赋能实体经 济的新模式，共同推动经济金融高质量发展。 北京城建集团有限责任公司国际事业部总经理罗伟、联想中国方案服务业务群禾木咨询总监方伟分别发 表主题演讲，围绕企业全球化发展路径、新一轮全球化浪潮的内涵，以及在新发展格局下金融系统如何 以高质量服务助推科技创新、助力企业协同创新等议题展开深入探讨。 活动中，5家北京银行服务的专精特新企业依次登台路演，集中展示了企业在前沿领域的最新研发成果 与创新产品。在与会嘉宾的共同见证下，北京银行发布了"人工智能+"服务计划，"算力贷"、"京智避 险"、北银金科璇玑Data Agent金融产品等专项金融服务方案，推出了京帆协同创新平台机制，与北京 市建筑设计研究院股份有限公司、北京新发地企业管理有限公司、中荷人寿保险有限 ...

北京商报讯（记者 孟凡霞 实习记者 周义力）9月11日，在2025年中国国际服务贸易交易会（简称"2025 年服贸会"）"京帆引航 融通出海"金融助力企业协同创新发展大会上，北京银行亮出金融助力企业出海 的"组合拳"。北京银行党委书记、董事长霍学文表示，未来将以开放包容姿态增强出海金融服务效能， 从精进服务、精准赋能、精益能力三大维度护航企业全球布局。 为强化精益能力与智能支撑，北京银行在会上推出两项产品服务：一是"人工智能+"服务计划，将面向 人工智能全产业链提供专项资金支持，构建"以金融服务AI，以AI服务AI"的综合服务体系，推动人工 智能与各行业深度融合；二是北银金科璇玑Data Agent产品，这一新一代数据智能产品由北京银行科技 子公司北银金科研发，通过对话式、全渠道、多模态交互实现"自由用数"，打造一站式决策分析闭环， 助力挖掘数据价值，提升金融服务效率、透明度与安全性。 在精进服务维度上，北京银行聚焦完善产品体系，计划全面构建覆盖全生命周期、全产业链的"出海"金 融服务包，推动实现从"单点支撑"升级为"生态赋能"、从"被动响应"转变为"主动引领"的服务升级。会 上，该行发布"京智避险"企业汇率 ...

Core Insights - China Bank has significantly increased its financial support in key areas, with domestic RMB loans rising by 1.41 trillion yuan, a growth of 7.72% compared to the beginning of the year [1] - The bank is focusing on optimizing its business structure and enhancing its financial services in technology and green finance [2][3] Group 1: Financial Performance - As of the end of June, China Bank's technology loans reached 4.59 trillion yuan, with 161,100 credit accounts [1] - The bank's green loan balance was 4.54 trillion yuan, reflecting a growth of 16.95% from the end of the previous year [2] - The balance of inclusive small and micro enterprise loans exceeded 2.65 trillion yuan, growing by 16.39% since the beginning of the year [2] Group 2: Technology and Innovation - China Bank has prioritized technology finance, with technology loans accounting for over 30% of the total corporate loan balance, maintaining a leading position among peers [2] - The bank has introduced innovative products like "computing power loans" to support technology-driven enterprises [1] Group 3: Inclusive Finance and Employment Support - The number of inclusive small and micro enterprise loan clients surpassed 1.72 million, an increase of 15.58% since the beginning of the year [2] - The bank issued over 300 billion yuan in special loans to stabilize employment and support enterprises [2] Group 4: Digital and Pension Finance - China Bank is enhancing its digital transformation, with monthly active users of its mobile banking app increasing by 8.59% year-on-year [3] - The bank is developing a distinctive pension finance service system, serving over 20,000 enterprise annuity clients [3]

Core Insights - The six major state-owned banks in China have released their mid-year performance reports for 2025, showing a strong focus on technology finance through various channels including loans, bonds, and equity investments [1] Group 1: Technology Loan Growth - As of June 2023, several state-owned banks reported double-digit growth in technology loan balances compared to the end of 2024, significantly outpacing average loan growth [2] - Five major banks have technology loan balances exceeding 1 trillion yuan, with Industrial and Commercial Bank of China (ICBC) leading at over 6 trillion yuan, a 20% increase from 2024 [2] - Agricultural Bank of China (ABC) and China Construction Bank (CCB) also showed substantial growth, with ABC's technology loan balance reaching 4.69 trillion yuan (21% increase) and CCB's at 5.15 trillion yuan (16.81% increase) [2] Group 2: Bond Issuance and Equity Investments - In the bond market, ICBC led the issuance of technology innovation bonds, with a maximum single issuance of 20 billion yuan and a total underwriting scale of nearly 50 billion yuan [3] - Other banks like CCB and ABC successfully issued 30 billion yuan in technology innovation bonds, supporting technological innovation [3] - State-owned banks are actively establishing AIC (Asset Investment Company) equity investment pilot funds, with ICBC signing agreements for over 150 billion yuan in fund intentions [3] Group 3: Optimization of Service Ecosystem - State-owned banks are optimizing their technology finance service ecosystems through organizational restructuring, innovative product offerings, and enhanced resource collaboration [4] - ICBC has established a multi-tiered organizational structure for technology finance, while ABC has launched specialized online products like "Kejie Loan" [4] - The banks are focusing on creating a comprehensive service system that integrates various financial products to support technology enterprises [4] Group 4: Future Trends in Technology Finance - Experts predict that technology finance will continue to grow, with a focus on "hard technology" sectors, accelerated digital transformation, and the evolution of banks from mere fund providers to ecosystem builders [6][7] - The development of a comprehensive technology finance ecosystem is expected to enhance support for innovative enterprises and facilitate the transition to an innovation-driven economy [6][7]

Group 1: Financial Support for Innovation - Shanghai Rural Commercial Bank has played a crucial role in supporting technology innovation, particularly in the fields of integrated circuits, biomedicine, and artificial intelligence, by developing a financial system that meets the diverse needs of different industries and stages of development [1][2] - The bank has introduced a loan scheme based on "technology milestones" to address the high costs and risks associated with biopharmaceutical innovation, allowing for funding that aligns with the progress of core projects and financing needs [2][3] - The bank's innovative financial solutions have enabled related pharmaceutical companies to secure funding and achieve significant milestones, such as being recognized among the "2024 Shanghai Most Investable Startups" [3] Group 2: Green Finance Initiatives - The bank is actively promoting green finance as a means to achieve the "dual carbon" goals, with initiatives that include the first market-based knowledge property securitization and customized financial products for various industries [4][7] - The bank has launched a green finance brand "Green Xin Tong Zhou" and aims to exceed 100 billion yuan in green financial assets by mid-2025, positioning itself as a leader in green finance within the Yangtze River Delta [7] Group 3: Elderly Care Financial Solutions - With a significant portion of Shanghai's population being elderly, the bank has developed financial products and services tailored to the needs of the aging population, including a regulatory model for prepayment in elderly care institutions [8][9] - The bank has established a comprehensive service brand for elderly finance, focusing on pension finance, elderly service finance, and elderly industry finance, with plans to expand its pension service network significantly by 2025 [9][10] - The "Heart Home" public service project integrates various resources to meet the social and emotional needs of the elderly, enhancing their quality of life [8][10]

Core Insights - Shanghai Rural Commercial Bank has been committed to serving national strategies and urban development for 20 years, integrating value creation into its banking development DNA [1] - The bank plays a crucial role in accelerating the transformation of scientific and technological achievements into marketable products, particularly in key industries like integrated circuits, biomedicine, and artificial intelligence [2][3] - The bank has innovated a loan scheme based on "technology milestones" to support biomedicine companies, aligning loan amounts with the progress of their core projects [3][4] - The bank is actively promoting green finance to achieve "dual carbon" goals, facilitating the realization of ecological value through various financial products [5][8] - The bank is addressing the challenges of an aging population in Shanghai by providing tailored financial services for the elderly and supporting the development of private nursing homes [9][12] Group 1: Financial Innovation and Support - Shanghai Rural Commercial Bank has designed a loan scheme that matches loan usage with the progress of core projects, helping biomedicine companies secure funding [3] - The bank has established a technology finance research institute to evaluate companies based on future growth potential rather than past financial reports [4] - The bank has launched customized financial products for different industries, such as "computing loans" for AI and "clinical loans" for innovative drug companies [4] Group 2: Green Finance Initiatives - The bank has implemented the first market-based water rights pledge loan in Shanghai, encouraging companies to conserve water [8] - It has issued the first sustainable development-linked loan to an airline, incentivizing carbon emission reductions [8] - The bank's green finance asset scale is expected to exceed 100 billion yuan by June 2025, with a comprehensive green finance service platform established [8] Group 3: Aging Population and Social Responsibility - The bank is involved in the regulatory oversight of pre-paid fees for nursing homes, ensuring the financial security of elderly residents [9] - It has launched a pension financial service brand to provide comprehensive services to the elderly population, aiming to reach over 70% of the elderly in Shanghai by 2025 [12] - The "Heart Home" public service project integrates various resources to meet the social and emotional needs of the elderly, enhancing their quality of life [10][11]

Core Viewpoint - The article emphasizes the transition of the banking sector from traditional "scale expansion" to "structural optimization" in response to a challenging economic environment, highlighting the resilience of China's economy and the strategic adjustments made by China Bank to maintain stable growth and profitability [1][3][4]. Financial Performance - In the first half of 2025, China Bank achieved an operating income of 329.42 billion yuan, a year-on-year increase of 3.61%, with net interest income at 214.82 billion yuan and non-interest income at 114.60 billion yuan [5]. - The net profit attributable to shareholders was 117.59 billion yuan, reflecting a stable operational trend [5]. - Non-interest income became the main driver of revenue growth, increasing by 25.70% year-on-year and accounting for 34.79% of total revenue [5]. Asset and Liability Management - As of June 30, 2025, China Bank's total assets reached 36.79 trillion yuan, a growth of 4.93% from the beginning of the year, with loans amounting to 23.05 trillion yuan [6]. - The capital adequacy ratio stood at 15.58%, with a core Tier 1 capital adequacy ratio of 12.57%, reflecting a solid capital position [6]. - The bank focused on increasing the proportion of core deposits, with total liabilities growing by 4.85% to 33.66 trillion yuan [6]. Credit Structure Optimization - China Bank continued to optimize its loan structure, with domestic RMB loans increasing by 1.41 trillion yuan, a growth of 7.72% [9]. - Loans to high-tech and high-value-added sectors saw significant increases, with manufacturing loans up by 12.99% and loans to strategic emerging industries growing by 22.92% [9]. Strategic Initiatives - The bank's focus on the "Five Major Articles" strategy—technology finance, green finance, inclusive finance, pension finance, and digital finance—has shown significant progress, with technology finance loans reaching 4.59 trillion yuan [10][11]. - Green finance maintained a leading position with a loan balance of 4.54 trillion yuan, growing by 16.95% [11]. Globalization and Cross-Border Services - China Bank reinforced its global banking positioning, with international settlement volumes reaching 2.1 trillion USD and cross-border RMB settlement volumes at 8.5 trillion yuan, reflecting growth rates of 16.51% and 17.47%, respectively [12]. - The bank actively supported the Belt and Road Initiative, with over 1,300 company credit projects and cumulative credit support exceeding 400 billion USD [12]. Risk Management and Digital Transformation - The bank enhanced its risk management capabilities, with a focus on liquidity and market risk control, and improved credit risk monitoring systems [14]. - Digital transformation progressed with 40 technology strategic projects, improving operational efficiency and customer experience [15].

Core Viewpoint - The six major state-owned banks in China reported mixed performance in their 2025 mid-year results, with a total net profit of 682.5 billion yuan, reflecting stable asset quality despite challenges in net interest margin [1][3]. Financial Performance - The total operating income of the six banks reached 1.833 trillion yuan, with all banks showing year-on-year growth in operating income [3]. - Individual bank performances include: - Industrial and Commercial Bank of China: Operating income of 427.09 billion yuan, net profit of 168.10 billion yuan [1][3]. - Agricultural Bank of China: Operating income of 369.94 billion yuan, net profit of 139.51 billion yuan [1][3]. - Bank of China: Operating income of 329.00 billion yuan, net profit of 117.59 billion yuan [1][3]. - China Construction Bank: Operating income of 394.27 billion yuan, net profit of 162.08 billion yuan [1][3]. - Bank of Communications: Operating income of 133.37 billion yuan, net profit of 46.02 billion yuan [1][3]. - Postal Savings Bank: Operating income of 179.45 billion yuan, net profit of 49.23 billion yuan [1][3]. - The Agricultural Bank of China showed the highest growth in net profit at 2.66% year-on-year, while the other three banks experienced declines [3]. Net Interest Margin Outlook - Banks are implementing strategies to stabilize net interest margins, with expectations of a continued decline but at a reduced rate [2][4]. - Management from various banks indicated that proactive measures are being taken to adapt to interest rate changes and broaden non-interest income sources [3][4]. Dividend Plans - All six banks announced mid-term dividend plans despite varying performance results: - Industrial and Commercial Bank of China plans to distribute 1.414 yuan per 10 shares, totaling approximately 50.40 billion yuan [4][5]. - Agricultural Bank of China plans to distribute 1.195 yuan per 10 shares, totaling about 41.82 billion yuan [5]. - Bank of China plans to distribute 1.094 yuan per 10 shares, totaling around 35.25 billion yuan [5]. - China Construction Bank plans a mid-term dividend of approximately 48.61 billion yuan [5]. Asset Quality and Risk Management - The asset quality of the six banks remains stable, with non-performing loan ratios showing slight improvements or stability [5]. - Non-performing loan ratios as of June 30 are as follows: - Industrial and Commercial Bank of China: 1.33% - Agricultural Bank of China: 1.28% - Bank of China: 1.24% - China Construction Bank: 1.33% - Bank of Communications: 1.28% - Postal Savings Bank: 0.92% [5]. Strategic Focus Areas - The banks are focusing on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, to enhance service to the real economy [6][7]. - For instance, China Construction Bank reported a technology loan balance of 5.15 trillion yuan, growing by 16.81% year-on-year [6]. - Agricultural Bank of China reported a green loan balance of 5.72 trillion yuan, with significant new issuances in green financial products [7].