本报讯（记者 潘福达）近年来，北京地区科技金融服务质效提升，科创企业获得金融"活水"精准滴 灌，这背后离不开金融机构着眼于长期、陪伴企业成长的"耐心资本"。记者近日从北京银行获悉，该行 在科技金融领域先行先试，以"耐心资本"为科技型企业提供长期稳定的支持，科技金融贷款余额突破 4400亿元，服务专精特新企业超3万家。 贷款余额即借款人尚未归还放款人的贷款总额，是衡量金融体系对实体经济支持力度的关键指标。一般 来说，金融机构各项贷款余额越高，表明对所在地区金融资金投入规模越高，对经济发展的贡献率也越 高。 党的二十届四中全会明确提出"加快建设金融强国"，强调要"大力发展科技金融、绿色金融、普惠金 融、养老金融、数字金融"。从率先在北京成立以科技园区命名的支行——中关村科技园区支行，到如 今明确锚定"专精特新第一行"战略，北京银行在科技金融领域正实现从服务单一客户到赋能产业生态的 转变。 2025年12月5日，"国产GPU（图形处理器）第一股"摩尔线程正式登陆科创板上市。作为一家国家级专 精特新"小巨人"企业，摩尔线程在GPU芯片多个应用领域实现国产化"从0到1"的跨越。从企业早期发展 到成功IPO上市，北京银行 ...

图①：在合源生物科技（天津）有限公司实验室，技术人员（左一）向北京银行天津分行工作人员详细 讲解细胞检验技术的流程工艺。 井永馨摄 图②：福建蓝海黑石新材料科技有限公司科研人员正在做锂离子电池正负极专用水性黏合剂实验。 王雅鹏摄 图③：工商银行洛阳涧西支行工作人员到洛轴集团智能化生产基地了解企业资金需求。 孟庆斌摄 图④：在微众银行企业总控中心，工作人员在监控系统运行情况。 章 微摄 中央经济工作会议提出，引导金融机构加力支持扩大内需、科技创新、中小微企业等重点领域。 金融是国民经济的血脉。近年来，我国持续发力做好金融"五篇大文章"，把更多金融资源配置到经济社 会发展的重点领域和薄弱环节，为实体经济发展提供了有力有效的金融支持。近日，记者走访多家金融 机构和企业，围绕各方关心的话题，探讨如何推动金融业更好服务实体经济发展壮大。 ——编 者 话题一：重点发力 在支持重大领域和薄弱环节上，不搞"大水漫灌"，而是精准滴灌 【镜头】 寒冬时节，洛轴集团的智能工厂里一派火热景象：高精度机械臂精准"起舞"，智能运输车穿梭搬运，一 条条智能生产线开足马力全力生产。 "近年来企业加快智能化、绿色化发展步伐，打算近期采购一批绿 ...

本报记者 吴秋余 葛孟超 中央经济工作会议提出，引导金融机构加力支持扩大内需、科技创新、中小微企业等重点领域。 金融是国民经济的血脉。近年来，我国持续发力做好金融"五篇大文章"，把更多金融资源配置到经济社 会发展的重点领域和薄弱环节，为实体经济发展提供了有力有效的金融支持。近日，记者走访多家金融 机构和企业，围绕各方关心的话题，探讨如何推动金融业更好服务实体经济发展壮大。 ——编 者 话题一：重点发力 在支持重大领域和薄弱环节上，不搞"大水漫灌"，而是精准滴灌 图①：在合源生物科技(天津)有限公司实验室，技术人员(左一)向北京银行天津分行工作人员详细讲解 细胞检验技术的流程工艺。 井永馨摄 图②：福建蓝海黑石新材料科技有限公司科研人员正在做锂离子 电池正负极专用水性黏合剂实验。 王雅鹏摄 图③：工商银行洛阳涧西支行工作人员到洛轴集团智能化 生产基地了解企业资金需求。 孟庆斌摄 图④：在微众银行企业总控中心，工作人员在监控系统运行情 况。 章 微摄 【镜头】 寒冬时节，洛轴集团的智能工厂里一派火热景象：高精度机械臂精准"起舞"，智能运输车穿梭搬运，一 条条智能生产线开足马力全力生产。 "近年来企业加快智能化、绿 ...

Core Viewpoint - Beijing Bank has successfully positioned itself as a key player in supporting innovation and the real economy over the past thirty years, focusing on nurturing new productive forces and fostering a symbiotic relationship with enterprises [1][12]. Group 1: Nurturing Innovation - The bank's long-term strategy in the technology innovation sector has allowed it to cultivate "seeds" of future productive forces, providing essential financial support to innovative SMEs and contributing to China's modernization [1][12]. - Beijing Bank acts as a financial intermediary, unlocking potential value in future industries while safeguarding the production value of traditional sectors [2][6]. Group 2: Supporting Emerging Industries - The bank emphasizes the importance of investing in "seeds" that can generate future growth momentum, accepting short-term uncertainties for long-term value [4][5]. - Beijing Bank has supported numerous seed enterprises in future industries, such as Digital Huaxia, which focuses on humanoid robots and intelligent hardware, by providing tailored financial products like "Lianchuang e-loan" [5][12]. Group 3: Partnership with Leading Enterprises - Beijing Bank has a long-standing partnership with leading companies like BOE Technology Group, providing comprehensive financial services that have supported the company's growth over two decades [8][9]. - The bank has actively participated in financing BOE's technological innovations, including issuing technology innovation bonds totaling over 1 billion yuan [9][12]. Group 4: Revitalizing Traditional Industries - Traditional industries serve as the foundation for future technological advancements, and financial support for their upgrade is crucial for maintaining their core value [11][12]. - Beijing Bank has provided significant financial backing to companies like Shenwan Innovation, facilitating their expansion and technological upgrades through products like "Kechuang e-loan" [12]. Group 5: Future Outlook - With the Chinese government's focus on high-level technological self-reliance and the development of new productive forces, Beijing Bank aims to deepen the integration of finance and technology, offering more flexible products and intelligent services [13].

Core Insights - The article emphasizes the role of Beijing Bank in nurturing future industries by providing financial support to innovative companies, thereby creating and safeguarding value across various sectors [2][3][8] Group 1: Future Industry Development - Future industries are seen as "innovation engines" that drive the entire industrial chain, requiring financial institutions to focus on long-term value despite short-term uncertainties [2] - Beijing Bank has supported numerous "seed" companies in future industries, such as Digital Huaxia, which specializes in humanoid robots and intelligent hardware [2][3] - Digital Huaxia received a credit line of 10 million yuan from Beijing Bank to accelerate its humanoid robot production and commercialization [3] Group 2: Collaboration with Leading Enterprises - Leading companies like BOE are pivotal in connecting traditional and future industries, with BOE supplying one in four smart display terminals globally [4] - Beijing Bank has a long-standing partnership with BOE, providing comprehensive financial services since 2005, including loans and project financing [4][5] - In 2025, Beijing Bank participated in the issuance of technology innovation bonds for BOE, raising over 1 billion yuan to support its technological advancements [5] Group 3: Traditional Industry Transformation - Traditional industries serve as the foundation for future technologies, and financial support is crucial for their upgrade and transformation [6] - Beijing Shenwan Innovation, a leader in high-temperature furnace visualization, has collaborated with Beijing Bank since 2008 for various financial services [6][7] - In 2023, Beijing Bank provided a 5 million yuan "Science and Technology Loan" to Shenwan Innovation to support its production expansion [7] Group 4: Financial Support and Impact - As of September 2025, Beijing Bank has provided over 1.4 trillion yuan in credit to 58,000 technology-oriented SMEs, supporting a significant number of specialized and innovative enterprises [8] - The bank aims to continue fostering the integration of finance and technology, contributing to the development of new productive forces in the economy [8]

Group 1 - The National Healthcare Security Administration released the "Commercial Health Insurance Innovative Drug Catalog (2025)", which includes five CAR-T cell therapies, with the product from Huyuan Biotech, Nakiolunase Injection (Yuanruida®), being one of them [2] - CAR-T therapy involves genetically modifying T lymphocytes to express specific chimeric antigen receptors, enabling them to target and kill tumor cells, providing hope for over 300 patients when traditional chemotherapy fails [2][3] - Huyuan Biotech's Nakiolunase Injection (Yuanruida®) has a high clinical cure rate for adult acute lymphoblastic leukemia, which has a relapse rate of 60% and a median survival of only 2 to 6 months under traditional chemotherapy [3] Group 2 - Huyuan Biotech was founded in 2018 and collaborated with the Chinese Academy of Medical Sciences to develop a unique HI19a sequence structure embedded in CAR-T cells for precise tumor targeting [3] - The company received approval from the National Medical Products Administration for its first core product, Nakiolunase Injection (Yuanruida®), in 2023, establishing a solid foundation for drug accessibility through its self-developed production process and quality control system [3] - Beijing Bank's Tianjin branch provided critical financial support to Huyuan Biotech, customizing a financing plan that included a 10 million yuan credit loan to support CAR-T drug production [4][6] Group 3 - Huyuan Biotech's CEO expressed gratitude for the financial support from Beijing Bank, which enabled the company to invest more in research and production despite the unique challenges of the biotech industry [5] - Beijing Bank's lending strategy has evolved to focus on the technological barriers, patents, research teams, and shareholder backgrounds of biotech firms, rather than solely on financial statements [6] - The bank aims to enhance its service offerings for technology-driven companies, with a focus on innovative financing solutions and building a sustainable technology finance ecosystem [6][7]

Core Viewpoint - The article emphasizes the importance of nurturing and supporting technology-driven enterprises in China as a national strategy for industrial upgrading and achieving high-level technological self-reliance, while highlighting the persistent challenges of "difficult and expensive financing" faced by many small and medium-sized tech companies [1][3]. Group 1: Background and Context - The Chinese government has recognized the need to support specialized and innovative small and medium-sized enterprises (SMEs) as a strategic priority, with multiple policy endorsements since 2021 [3]. - Traditional banking practices, which rely heavily on collateral and current profitability, are misaligned with the characteristics of tech enterprises that often have high R&D costs and long profit cycles [1][3]. Group 2: Beijing Bank's Strategic Initiatives - Beijing Bank has positioned itself as the "first bank for specialized and innovative enterprises," capturing policy benefits and providing a systematic service model to support the development of new productive forces [2][4]. - As of June 2025, Beijing Bank reported total assets of 4.75 trillion yuan and a technology finance loan balance of 434.6 billion yuan, reflecting a 19.31% increase from the beginning of the year and a 131% increase from June 2022 [2]. Group 3: Structural and Operational Innovations - To address the financing challenges of specialized and innovative enterprises, Beijing Bank has established a specialized financial system with a structure of "1+18+N," which includes a central technology finance department and numerous specialized branches [6]. - The bank has implemented a differentiated management approach in its credit approval process, creating a technology enterprise evaluation system that considers factors beyond traditional financial metrics [7]. Group 4: Product Development and Client Engagement - Beijing Bank has developed a tiered product matrix tailored to the different stages of tech enterprises, offering various loan products to meet specific needs, such as "Innovation e-loan" for startups and "Leading e-loan" for growth-stage companies [8][9]. - The bank's approach has shifted from merely providing financial products to actively engaging with clients and understanding their unique requirements, exemplified by its support for companies like Changsha Yingxin Semiconductor Technology Co., Ltd. [8][10]. Group 5: Ecosystem Building and Value Creation - Beijing Bank has transitioned from being a mere fund provider to becoming an ecosystem builder, linking thousands of specialized enterprises with government, industry leaders, and investment institutions [11][12]. - The bank's initiatives include creating collaborative mechanisms and innovative financing products that enhance the value proposition for tech enterprises, demonstrating a comprehensive approach to fostering innovation [12][13].

Group 1 - The current wave of technological innovation is thriving, with various industries such as biomedicine, artificial intelligence, commercial aerospace, and new materials experiencing significant growth [1] - The number of technology and innovation-oriented small and medium-sized enterprises in China has exceeded 600,000 [8] - As of June 2025, the number of specialized and innovative "little giant" enterprises in China has reached 14,600 [15] Group 2 - A series of policy documents have been released to guide the development of technology finance, which is crucial for achieving technological self-reliance and fostering new productive forces [6] - Beijing Bank has launched various financial products aimed at supporting technology-driven small and micro enterprises, focusing on their independent intellectual property and R&D investment [10][13] - As of June 2025, Beijing Bank has served over 26,000 specialized and innovative enterprises, with a loan balance exceeding 120 billion yuan [16] Group 3 - Beijing Bank has implemented a comprehensive service plan called "Talent Finance," which integrates services for individuals, families, and enterprises, promoting the deep integration of innovation, industry, finance, and talent [22] - The bank has established a mechanism for interconnection with the Beijing Stock Exchange, providing comprehensive services for listed companies [34] - The balance of technology finance loans from Beijing Bank has shown significant growth, reaching 434.61 billion yuan by June 2025, with a year-on-year increase of 12.5% [42]

Group 1 - The article highlights the importance of financial support for technology innovation, emphasizing the need for tailored financial services to meet the unique demands of tech companies at various growth stages [1][4][5] - Several banks, including China Construction Bank and Bank of Beijing, have developed specialized loan products to cater to the financing needs of technology-driven enterprises, demonstrating a shift towards differentiated financial services [2][6] - The introduction of policies by the Chinese government, such as the increase of 300 billion yuan in re-loan quotas for technology innovation, aims to stimulate bank support for small and medium-sized tech enterprises [3][7] Group 2 - The article discusses the trend of banks integrating equity investment with traditional lending to better support early-stage and smaller tech companies, indicating a move towards a "loan plus equity" model [6][7] - Financial institutions are actively collaborating with venture capital and private equity firms to create a comprehensive financing ecosystem for tech enterprises, enhancing their ability to secure funding [6][7] - The issuance of technology innovation bonds by various banks is expected to provide additional funding avenues for tech companies, further alleviating their financing challenges [7]

Core Viewpoint - Beijing Bank is actively exploring differentiated development strategies to navigate the challenges of financial supply-side structural reforms, aiming for high-quality growth and innovation in its services [1][3]. Group 1: Technological Financial Development - Beijing Bank established its first technology-oriented SME credit branch in 2009 and has since pioneered various financial products and services tailored for technology enterprises, achieving significant growth in its client base and loan balances [5][6]. - By the end of 2024, the bank served over 20,000 specialized and innovative clients, with a loan balance of 106.8 billion yuan, marking a 3.2-fold increase compared to two years prior [5][6]. Group 2: Green Finance Initiatives - In response to national policies on carbon neutrality, Beijing Bank launched a dedicated green finance team and introduced innovative products such as "Waste-Free Loans" and "Water-Saving Loans," achieving a green finance loan balance of 210.35 billion yuan, a 43.11% increase [9][10]. - The bank aims to integrate ESG factors into its business development, establishing a comprehensive ESG governance structure and setting 20 key initiatives to enhance its ESG capabilities [10]. Group 3: Cultural Finance Development - Beijing Bank has made significant strides in cultural finance, with a loan balance of 116.64 billion yuan by the end of 2024, reflecting a 32.39% growth [11]. - The bank has implemented various initiatives to support cultural consumption and has partnered with major film production companies to provide financial services for popular films [11]. Group 4: Digital Transformation - Over the past three years, Beijing Bank has focused on digital transformation, achieving comprehensive upgrades in technology, business models, and organizational structures [13]. - The bank has developed an AI-driven operational model, launching innovative tools that enhance efficiency and reduce operational costs, such as the AI collaboration service that improves staff productivity by over 10% [14]. Group 5: Future Outlook - Looking ahead, Beijing Bank plans to leverage its regional advantages to continue high-quality development, focusing on becoming a "children-friendly bank" and an "AI-driven commercial bank" while enhancing its digital capabilities [15].