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中信银行科技金融“特色打法”:产品破局、生态赋能、协同增效
经济观察报· 2025-09-30 09:42
作为现代金融体系的"主力军"、实体经济的"输血者",银 行业正以前所未有的深度与广度投身科技金融赛道。其 中,中信银行作为国有金融机构主力军,深度践行政策要 求与时代使命,将科技金融纳入战略发展核心,依托中信 集团"金融全牌照、实业广覆盖"协同优势,构建"股贷债 保"联动的多元化接力式服务支撑体系,以金融活水精准灌 溉科技创新沃土 。 封图:图片资料室 产品破局:为 "实验室到生产线"提供金融赋能 如果说传统银行信贷以"历史财务表现"为核心依据,那么银行的科技金融业务则以"未来潜 力"为导向。 如何突破财务依赖,使科技金融能更早介入创新链条?中信银行一项创新产品给行业提供了 借鉴: 8 月,中信银行北京分行在北京股权交易中心认股权综合服务试点平台完成首笔选择 权贷款认股权线上转让业务。 此次转让认股权的标的企业是北京一家"专精特新"专板中聚焦于空间激光通信技术的高新技 术企业,也是北京市商业航天和低空经济产业投资基金的被投企业。中信银行北京分行创新 采用"贷款 + 认股权"的模式支持企业发展,在北股交认股权平台完成认股权登记确权后, 近期提交认股权转让申请,通过认股权平台线上交易。 以往的银行信贷依赖企业提供 ...
中信银行科技金融“特色打法”:产品破局、生态赋能、协同增效
Xin Hua Wang· 2025-09-30 07:58
此次转让认股权的标的企业是北京一家"专精特新"专板中聚焦于空间激光通信技术的高新技术企业,也 是北京市商业航天和低空经济产业投资基金的被投企业。中信银行北京分行创新采用"贷款+认股权"的 模式支持企业发展,在北股交认股权平台完成认股权登记确权后,近期提交认股权转让申请,通过认股 权平台线上交易。 以往的银行信贷依赖企业提供房产、土地等固定资产作为担保或抵押,但这种模式对轻资产科技企业形 成壁垒——许多科技企业的核心资产是知识产权、技术专利或人才团队,难以抵押。中信银行的这 项"选择权贷款"业务,以银行信贷超前布局优质早期科技企业,既拓宽了科技企业的融资渠道,也是银 行做好科技企业耐心资本的良好体现。 在科技创新领域,全国各地的资源禀赋存在差异,科技基因的构成不同。中信银行充分考虑这个因素, 鼓励各分行结合区域特征,推进属地化产品创设。首笔"中试研保贷"顺时而生。 该项目标的是西安交通大学重点科技成果转化项目,中信银行西安分行通过"科技成果贷"提供研发投入 等流动性资金;保险公司通过"科研保"提供发生重大经营困难等风险补偿。"中试研保贷"相当于同时提 供了"信贷支持"和"风险补偿"的双重保障,助力科技企业完成从 ...
华夏向新 绿动未来 华夏银行服贸会彰显科技与温度
Sou Hu Cai Jing· 2025-09-15 20:26
Core Viewpoint - The 2025 China International Fair for Trade in Services (CIFTIS) showcased the significant role of financial services in supporting the real economy, with Huaxia Bank highlighting its dual focus on technology and green finance [1][11]. Group 1: Event Overview - The CIFTIS took place from September 10 to 14, 2025, at the Shougang Park in Beijing, attracting numerous financial institutions [1]. - Huaxia Bank's theme was "Huaxia Towards New, Green Future," emphasizing its commitment to technology and green finance [1]. Group 2: Huaxia Bank's Innovations - Huaxia Bank created an interactive "financial playground" at its exhibition booth, featuring engaging technology scenarios to demonstrate its financial capabilities [6][8]. - The bank utilized VR technology to provide immersive experiences related to its support for renewable energy projects, allowing visitors to visualize its contributions to green finance [7]. Group 3: Consumer Engagement - Huaxia Bank introduced a "three-in-one" interactive layout at the fair, combining financial services with consumer discounts and cultural experiences [9]. - The bank's promotional activities included significant discounts for credit card users, enhancing visitor engagement and satisfaction [9]. Group 4: Financial Services Accessibility - As the "main bank" of the venue, Huaxia Bank extended its services throughout the park, ensuring easy access to cash transactions and other banking services for exhibitors and visitors [10]. - The bank also enhanced its online services to provide 24/7 support during peak times, ensuring a seamless experience for all attendees [10]. Group 5: Commitment to Green and Technology Finance - Huaxia Bank reported a green finance balance of 455.5 billion yuan, with green loans growing by 16.8% year-on-year, leading among comparable banks [12]. - The bank aims to support the transformation of the real economy by focusing on technology finance, offering tailored financial products for tech companies [12][13]. - Huaxia Bank's technology loans reached 210.5 billion yuan, reflecting a growth rate of 32.31%, significantly outpacing the overall loan growth [13]. Group 6: Future Outlook - The conclusion of the CIFTIS marks a new beginning for Huaxia Bank in deepening its financial practices, with a focus on enhancing its technology and green finance initiatives [14]. - The bank aims to channel financial resources more effectively into the real economy, supporting industrial upgrades and ecological protection [14].
以“数智”创“优质”华夏银行北京分行科技金融赋能首都经济发展
Bei Ke Cai Jing· 2025-06-30 02:03
Core Insights - Huaxia Bank Beijing Branch has successfully provided a customized credit loan of 300 million yuan to a local smart technology company, enabling the company to secure a large order with a laboratory in Zhejiang Province [1][3] - The bank's strategy focuses on enhancing its technology financial service system, which has become a key feature of its business development [1][2] Group 1: Technology Financial Services - Huaxia Bank Beijing Branch has established a dedicated technology financial center and 23 specialized branches to enhance service efficiency and create a professional team for technology finance [2] - The bank has developed a product matrix including "Kechuang Yidai," "Toulian Loan," "R&D Loan," and "Option Loan" to cater to the financing needs of technology enterprises [2] - The bank's marketing initiatives, such as the "Technology Finance Sets Sail" campaign, aim to optimize external services and drive internal motivation for continuous development in technology finance [2] Group 2: Internet Financial Services - The establishment of a financial technology innovation department has allowed Huaxia Bank Beijing Branch to capture high-quality customer resources through partnerships with leading internet platforms like JD.com, Douyin, Meituan, Xiaomi, and Ant Financial [4] - The bank has successfully launched consumer cash loans, installment loans, and personal business loans, addressing consumer credit needs and enhancing sales conversion for merchants [4] Group 3: Digital Transformation and Government Services - Huaxia Bank Beijing Branch has reinforced its technological foundation by leveraging digital, standardized, automated, and intelligent financial services to support various industries, including automotive, logistics, and healthcare [5][6] - The bank has integrated with the electronic centralized payment system of Beijing's treasury and has implemented digital currency applications for public tax scenarios [7] - The bank's online medical insurance services have connected with 93 designated hospitals and 144 pharmacies, improving healthcare accessibility and efficiency in Beijing [6][7]
实探中信银行科技金融一线:从单一贷款走向综合金融
Core Insights - The integration of finance and technology is accelerating, with banks moving beyond traditional loan offerings to provide ecosystem services and investment-loan linkage models [1][5] - The "启航计划" by CITIC Bank aims to support 10,000 technology enterprises over the next three years, focusing on key technology sectors such as artificial intelligence and biomedicine [6] Group 1: Company Innovations - Beijing Huashinuo Medical Technology Co., Ltd. is developing specialized equipment for precise ocular fluid sampling, enhancing precision medicine in ophthalmology [1] - The company has received multiple awards for its innovative projects, indicating strong recognition in the healthcare innovation space [1] - Beijing Xinhua Storage Technology Co., Ltd. is focusing on zinc-nickel flow battery technology, which is characterized by safety, environmental friendliness, and cost-effectiveness [3] Group 2: Financial Support and Collaboration - CITIC Bank has provided significant credit support to Huashinuo, emphasizing the importance of diverse financial services for technology enterprises [2] - The bank's technology achievement transformation loan product has been instrumental in supporting Xinhua Storage Technology's growth, allowing for a shift from equity financing to debt financing [4] - CITIC Bank is leveraging its full financial license to offer comprehensive support to technology companies, which is a competitive advantage over other banks [3][4] Group 3: Strategic Initiatives - The "启航计划" includes a six-product matrix tailored to the financial needs of technology companies at different growth stages, providing comprehensive financial support from technology breakthroughs to mass production [6] - CITIC Bank is creating a multi-dimensional service framework that integrates various financial services, aiming to address the unique challenges faced by technology enterprises [6] - The initiative aims to foster a collaborative ecosystem involving capital, policy support, and industry engagement to enhance the growth of technology companies [5][6]
中信银行温州分行打造科技金融“全链条服务”
Ren Min Wang· 2025-06-09 10:42
Group 1 - The core objective of CITIC Bank Wenzhou Branch is to establish a "CITIC Bank Technology Finance Pilot Zone" to support the innovation and development of industries in Wenzhou through system restructuring and service innovation [1] - As of the end of April, CITIC Bank Wenzhou Branch has provided credit services to nearly 200 technology enterprises, with a loan balance exceeding 5.5 billion yuan [1] - The bank has established partnerships with nearly 120 specialized "little giant" enterprises and specialized small and medium-sized enterprises, with a loan balance exceeding 2.7 billion yuan, adding over 1 billion yuan since the beginning of the year [1] Group 2 - CITIC Bank has launched six specialized financial products tailored to the different growth stages of technology enterprises, providing comprehensive financial support from "technological breakthroughs" to "mass production" [2] - The bank is transitioning from a "credit intermediary" to a "service intermediary" that offers comprehensive financial services, including commercial banking and investment banking [2] - CITIC Bank Wenzhou Branch aims to leverage the resources of CITIC Group to foster deep integration between technology and finance, promoting innovation through financial support [3]