9月25日下午，"融聚十五载・智绘新征程"苏州银行科创金融白皮书发布暨金融同业交流会在苏州成功举办。苏州市委常委、常务副市长顾海东，苏州 银行党委书记、董事长崔庆军，国泰海通证券党委副书记、总裁李俊杰出席会议并致辞。苏州银行总行相关领导，各部门、子公司负责人，科创企业代表， 以及来自全国范围内的银行、证券、保险、基金、信托、理财子公司等60余家机构的近200位代表参会。 苏州市委常委、常务副市长顾海东对会议举办表示热烈祝贺。他指出，此次活动为金融机构与科创企业深度交流互鉴提供了宝贵机会，希望各金融机构 能够坚持"投早、投小、投硬科技"，持续创新特色金融产品，全面提升金融服务质效，支持苏州科创企业蓬勃发展。 活动现场，苏州市委金融办常务副主任、市地方金融管理局局长曹晔，苏州市科学技术局副局长廖希明，苏州市工业和信息化局副局长陆科杰，苏州银 行党委副书记、行长王强共同发布《苏州银行科创金融白皮书》。 苏州银行党委书记、董事长崔庆军表示，希望通过此次科创金融白皮书发布暨金融同业交流会，与各金融同业机构进一步深化合作共赢，实现优势互 补、资源共享、能力共建，凝聚发展合力，为中国式现代化江苏、苏州新实践贡献更多金融力量 ...

Core Insights - Suzhou Bank has successfully transformed from a local agricultural bank to a significant regional financial institution over its 15 years of operation, with total assets exceeding 720 billion yuan and maintaining high asset quality [1][3][4] - The bank's dual-engine strategy focuses on "Technology Innovation + Cross-border" and "People's Livelihood + Wealth," aligning with national policy directions to drive financial service innovation and support regional economic prosperity [1][5][20] Group 1: Strategic Development - Suzhou Bank's growth is characterized by a strategic focus on local economic characteristics, emphasizing retail banking and community services, such as the issuance of social security cards [3][4] - The bank has established a comprehensive risk management system to ensure sustainable development, maintaining a non-performing loan ratio below 1% and achieving a record low of 0.83% by the end of 2024 [4][20] Group 2: Business Expansion and Quality Improvement - The bank has expanded its physical network significantly, achieving full coverage in Suzhou and establishing branches across Jiangsu province, with total assets growing nearly 15 times since its inception [4][20] - Suzhou Bank has successfully listed on the Shenzhen Stock Exchange, becoming the 33rd listed bank in China, with total assets reaching 727.15 billion yuan as of March 2023, reflecting a 112% increase since its listing [4][20] Group 3: Innovation in Financial Services - The bank has developed a unique financial service model that integrates technology and cross-border finance, launching various innovative products to support technology enterprises and enhance cross-border trade [5][9][10] - Suzhou Bank has implemented a "345" action plan to optimize the business environment, enhancing financial service efficiency and supporting small and medium-sized enterprises in their digital transformation [7][20] Group 4: Support for Local Economy and SMEs - The bank has actively supported local small and micro enterprises, with inclusive loans exceeding 70.5 billion yuan, utilizing digital risk control to balance support for the real economy and asset quality management [17][18] - Suzhou Bank has introduced various financial products tailored to meet the needs of local businesses, including credit products and supply chain financing, to stimulate market vitality [19][20] Group 5: Commitment to Social Responsibility - The bank has launched initiatives to enhance consumer finance and services for new citizens, providing tailored financial solutions and promoting community engagement [12][13][20] - Suzhou Bank has focused on developing a comprehensive financial service ecosystem for technology innovation, supporting over 13,000 technology enterprises with a credit scale exceeding 130 billion yuan [14][15][16]

Core Viewpoint - Suzhou Bank aims to enhance its service to the real economy and improve customer-centric integrated operations through its new three-year strategic plan starting in 2024, emphasizing high-quality financial practices and innovation [1] Group 1: Financial Support for Real Economy - Suzhou Bank is committed to supporting the real economy by implementing a "6+1+O" model for science and technology financial services, focusing on innovation and green finance [2] - The bank has introduced a series of financial products tailored for science and technology enterprises, including "伴飞贷" and "伴飞e贷," to meet various operational needs [3] - As of the end of 2024, the bank has partnered with over 12,000 science and technology enterprises, with a total credit amount exceeding 1,200 billion [3] Group 2: Green Finance Initiatives - Suzhou Bank is actively exploring new pathways for financial support towards green and low-carbon development, contributing to the "dual carbon" goals [4] - The bank has developed a comprehensive product system for green credit, focusing on key areas such as clean energy and ecological protection, with a green loan balance of 41.231 billion, reflecting a 36.62% increase from the beginning of the year [4] Group 3: Financial Services for Livelihood - The bank emphasizes its commitment to "financial services for the people," particularly in the areas of pension finance and talent finance, under the brand concept of "苏心让您舒心" [5] - By the end of 2024, the bank has issued over 4.7 million social security cards and nearly 350,000 senior citizen cards, serving millions in pension-related services [6] - The talent service model has been expanded, with over 20,000 talent cards issued, covering multiple regions and supporting over 2,500 enterprises [7] Group 4: Cross-Border Financial Services - Suzhou Bank is enhancing its cross-border financial services to support high-level openness and foreign trade, implementing a "five-dimensional ten-strategy" approach [8] - The bank has introduced various measures to support foreign trade enterprises, including specialized credit support and innovative supply chain financial services [9] - The bank aims to improve its international market competitiveness by offering a comprehensive suite of services, including cross-border financing and risk management [9] Group 5: Commitment to National Policies - Suzhou Bank is dedicated to aligning its operations with national and local policy directives, enhancing its role in serving the real economy and regional development [10]

Core Viewpoint - The article highlights Suzhou Bank's innovative approach in the field of intellectual property finance, showcasing its significant achievements and contributions to the technology and innovation sector [1]. Group 1: Innovations in Intellectual Property Finance - Suzhou Bank developed the "Suxin Innovation Capability" enterprise evaluation model, which successfully opened the door to data intellectual property registration in the banking industry, earning the first certificate in the country [2]. - The bank executed the first data intellectual property licensing revenue rights pledge financing in the country, enabling a technology company to secure 3 million yuan in funding by pledging future licensing revenues [2]. - The bank has completed six cases of intellectual property asset securitization and eight first cases of data intellectual property pledges across various cities, demonstrating its leadership in the sector [3]. Group 2: Comprehensive Financial Services - Suzhou Bank offers a full lifecycle service model for technology enterprises, including the "Accompanying Flight Plan" for startups, "Wingspan Plan" for growth-stage companies, and "Navigation Plan" for mature enterprises [4]. - Specific financing examples include a biotechnology company obtaining millions in funding through a mixed pledge of patents and copyrights, and a vehicle networking company securing tens of millions through data intellectual property pledges [4]. Group 3: Future Vision and Ecosystem Development - On the 25th World Intellectual Property Day, Suzhou Bank aims to create a "GOAI Innovation Financial Ecosystem," focusing on integrating intellectual property evaluation models with blockchain and AI technologies [5]. - The bank plans to build a knowledge property transaction platform and participate in local standards, responding to the "Comprehensive Pilot Work Plan for Intellectual Property Finance Ecosystem" [5]. - Suzhou Bank's brand philosophy emphasizes growth and innovation in technology finance, aiming to enhance the value of intellectual property through dynamic transactions [5].