根据2023年中央金融工作会议精神，进一步明确地方农信社、城市商业银行等地方性中小金融机构 要坚守"立足当地、服务本地、扎根本土"的初心，回归本源、专注主业，成为服务县域经济、中小微企 业和"三农"的"毛细血管"，形成特色化、差异化发展模式。打造科创银行是嘉兴银行作为本地法人机构 积极服务于地方经济中心工作，践行使命担当的必然选择。 中国正经历百年未有之大变局，高质量发展成为主基调，国内外的形势变化加快了我国从制造业大 国到制造业强国的转型步伐，而核心科技的突破和数字化转型则是这一战略中不可缺少的部分。当前， 嘉兴致力于融入长三角一体化发展，积极打造国家级科创走廊"示范段，将数字化经济作为"一号工 程"，并获批为国家级科创金融改革试验区试点城市。在此有利的大环境下，嘉兴银行争创科创银行正 当其时。 经济是肌体，金融是血脉，嘉兴银行打造科创银行将有利于聚焦资源，专注服务于嘉兴的数字化经 济转型，服务于嘉兴的科技科创企业发展，服务于嘉兴的高新企业和高端人才引育战略，实现对科技人 才的全方位金融服务，对科创企业的全生命周期金融服务，对数字化产业升级的精准金融支持。在此基 础上形成自身的差异化优势、核心竞争力优势，实 ...

Core Viewpoint - Jiaxing Bank has demonstrated strong operational resilience and strategic focus in a challenging macroeconomic environment, maintaining steady growth while advancing in key areas such as technology finance, green transformation, and digital empowerment [2][10]. Group 1: Steady Growth and Development Foundation - As of the end of August, Jiaxing Bank's total assets reached 192.70 billion yuan, an increase of 10.83 billion yuan, or 5.95%, since the beginning of the year [3]. - The bank's loan balance stood at 110.03 billion yuan, with an increase of 6.90 billion yuan, reflecting a growth rate of 6.69% [3]. - The growth in loans slightly outpaced asset growth, indicating a continued commitment to supporting the real economy [3]. Group 2: Breakthroughs in Technology Finance - Jiaxing Bank has positioned itself as a local bank with a focus on technology finance, achieving a technology loan balance of 27.15 billion yuan, which accounts for 24.67% of total loans, with a net increase of 2.35 billion yuan, or 9.46% [4]. - The bank has implemented innovative practices tailored to the characteristics of technology enterprises, such as the twin investment and loan linkage model and unique financial products to alleviate financing difficulties [4]. - Collaborations with Long Investment Group have helped establish a "bank-investment linkage" ecosystem, providing comprehensive financial services for technology enterprises [4]. Group 3: Multi-Dimensional Empowerment of the Real Economy - The bank's loan balance for the manufacturing sector reached 23.81 billion yuan, with a significant portion allocated to emerging industries, supporting regional industrial transformation [6]. - Green finance initiatives have also been notable, with a loan balance of 14.31 billion yuan and a specific product, "Sunshine Jia," showing a year-on-year growth of 31.6% [6]. - The bank has issued 19.95 billion yuan in no-repayment renewal loans, benefiting 22,285 market entities and saving approximately 9.30 million yuan in financing costs for small and micro enterprises [6]. Group 4: Accelerated Digital Transformation - Jiaxing Bank has established a CQC A-level certified green data center and completed a comprehensive upgrade of its core systems, enhancing its technological foundation [8]. - The bank has developed six digital service scenarios, including "Smart Canteen" and "DianDian Meal Card," which serve nearly 120,000 users and 4,000 partner merchants, integrating financial services into daily consumption [8]. Group 5: Industry Insights and Future Outlook - Industry observers attribute Jiaxing Bank's performance to its local focus and strategic differentiation in technology finance [10]. - The bank plans to continue enhancing its technology finance characteristics and aims to contribute significantly to the high-quality development of the regional economy [10]. - With the acceleration of the Yangtze River Delta integration process, Jiaxing Bank is expected to play a more prominent role in serving the real economy and driving innovation [10].

Core Insights - Financial sector plays a crucial role in promoting technological innovation, with Zhejiang province enhancing financial policy tools to support digital, intelligent, and green transformations [1][2] - As of the end of Q1, the loan balance for the technology service industry in Zhejiang reached 3.17 trillion yuan, marking a year-on-year growth of 19.6%, surpassing the overall loan growth rate by 10.9 percentage points [1] Group 1: Financial Support and Policy Initiatives - Zhejiang province has implemented the "Implementation Rules for Increasing Support for Technology Enterprises Financing," focusing on enhancing financial services for technology firms [1] - The province has initiated a special action to improve technology financial service capabilities, establishing a "four-special" service mechanism involving specialized teams, products, processes, and evaluations [1] Group 2: Regional Financial Innovations - The People's Bank of China, Zhejiang branch, is guiding the establishment of a robust technology financial service system in Hangzhou and Jiaxing, with significant loan growth in these areas [2] - As of March, the technology service industry loan balance in Hangzhou grew by 14.8%, while Jiaxing saw a remarkable increase of 27.5%, both exceeding the overall loan growth rates [2] Group 3: Innovative Financial Products - Zhejiang province is diversifying technology financial product offerings, encouraging banks to develop equity loans and acquisition loans to support strategic emerging industries [2] - The "Zhe Ke Loan" financing service has been introduced, providing hard technology enterprises with favorable loan terms, including maximum loan amounts, extended durations, and optimal interest rates [2] - Jiaxing Bank is exploring a "twin investment-loan" model to address challenges in external investment-loan coordination, while Hangzhou Bank collaborates with third-party investors to support technology enterprises through equity options [2]