2023年，专注于新能源电池关键材料的臻锂新材，正处于从实验室研发迈向中试量产的关键节点。作为苏州创新创业领军企业，其技术 前景获得IDG资本、苏创投等知名机构三轮融资认可，但尚未形成稳定现金流的现状，使其难以通过传统银行授信审批。就在企业为扩 建投产资金发愁之际，上海银行苏州自贸区支行客户经理余华主动找上门来。通过定期走访苏州工业园区科技招商中心的"行商"模式， 余华深入考察了企业的技术团队、研发进展和市场前景，最终通过"投联贷"为其提供近亿元融资支持，解了企业的燃眉之急。 这款颠覆传统信贷逻辑的创新产品，核心亮点在于打破了对抵押物和短期财务指标的依赖。"投联贷"以专业投资机构的股权融资决策为 重要参考，结合银行自身风控体系，通过投资金额与评估系数的科学核算，确定授信额度，让企业的技术实力和成长潜力成为融资的"硬 通货"。上海银行苏州分行副行长范荣表示，硬科技领域的核心价值往往隐藏在技术壁垒和团队实力中，而非短期财务报表，"投联贷"的 设计正是基于对科技企业成长规律的深刻洞察。2023年，该产品成功入选苏州工业园区"一行一品"特色金融产品库，成为服务"早小 硬"科技企业的标杆之作。 从"坐商"到"行商"的转 ...

Core Viewpoint - Traditional credit logic is mismatched with the needs of technology innovation enterprises, necessitating a self-revolution in commercial banks to transition from "lenders" to "enablers" [1][4] Group 1: Financial Needs of Technology Enterprises - Technology innovation enterprises exhibit characteristics of light capital, light assets, high growth, and high risk, leading to a composite financing demand for both equity and low-cost bank debt [3] - These enterprises require financial services throughout their lifecycle, including initial loans, credit, and medium to long-term financing solutions [3] Group 2: Challenges in Financial Support - The key challenges in providing financial support to technology innovation enterprises include the difficulty in value assessment due to traditional credit evaluation methods relying on financial statements and collateral, which do not suit the characteristics of tech firms [3] - There is also a challenge in balancing risk and return, as traditional fixed loan rates do not adequately compensate for the risks associated with lending to technology enterprises [3][4] Group 3: Shanghai Bank's Transformation Strategy - Shanghai Bank is focusing on two main transformations: reshaping the risk evaluation logic for technology enterprises and balancing the risk-return logic in financial products [4] - The bank aims to create a dedicated evaluation method for tech enterprises, design collaborative financing solutions, and engage in active management to support enterprise growth [4] Group 4: Innovative Service Models in Shenzhen - In Shenzhen, Shanghai Bank is implementing a three-pronged service model that includes a specialized organizational structure, industry-specific operations, and an ecosystem for service innovation [6][7] - The bank has established partnerships with local research and investment institutions to provide comprehensive services to over 2,500 enterprises, positioning itself as a key node in the innovation resources of the Guangdong-Hong Kong-Macao Greater Bay Area [7] Group 5: Future Vision and Planning - Shanghai Bank aims to serve national strategies and become the preferred bank for technology transformation and incubation, focusing on early-stage technology enterprises and innovative products [8] - The bank plans to enhance its service capabilities by concentrating on strategic industries, conducting in-depth research, and building a collaborative ecosystem with various partners [8]