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 ...

扎实的积累使得北京银行的科技金融版图，既有对产业源头的持续支持，也有对创新主 体的细致托举。多年来，它始终坚持走一条专业主义、长期主义的道路，在技术萌芽时 坚定支持，在企业探索期播下种子，在产业链关键处精准滴灌。 导语：三十载春秋，北京银行从一家规模尚小的地方城商行起步，成长为如今服务城市 发展和产业升级的重要金融力量。从支持科创到服务民生，北京银行始终在这条改革主 线中探索新的解法，打造了金融供给侧结构性改革的"京行样本"。透过点滴故事，我们 能看见一座城市如何被金融滋养，也看见金融供给侧结构性改革在最细微处的温度和力 量。 三十年前，北京银行的前身"北京城市合作银行"在原宣武区一栋五层小楼中挂牌成立。 市民在银行排队等待，人声、翻动资料声、拨弄算盘声，是那个年代的网点最真实的背 景音。 如今，北京银行早已换了另一种节奏：智能系统在后台静默却高效地处理海量数据，线 上贷款申请能在短时间内完成批复，社保卡通过上门服务送达市民手中，新发地的商户 使用该行打造的智慧收银系统便能轻松掌握每日经营情况。 时代的声音在变，但北京银行的底色没有变——守护便捷、提升效率、支撑创新，让生 活更稳，让未来更近。这既是一家城商行 ...

来源：新浪金融研究院 导语：三十载春秋，北京银行从一家规模尚小的地方城商行起步，成长为如今服务城市发展和产业升级 的重要金融力量。从支持科创到服务民生，北京银行始终在这条改革主线中探索新的解法，打造了金融 供给侧结构性改革的"京行样本"。透过点滴故事，我们能看见一座城市如何被金融滋养，也看见金融供 给侧结构性改革在最细微处的温度和力量。 三十年前，北京银行的前身"北京城市合作银行"在原宣武区一栋五层小楼中挂牌成立。市民在银行排队 等待，人声、翻动资料声、拨弄算盘声，是那个年代的网点最真实的背景音。 如今，北京银行早已换了另一种节奏：智能系统在后台静默却高效地处理海量数据，线上贷款申请能在 短时间内完成批复，社保卡通过上门服务送达市民手中，新发地的商户使用该行打造的智慧收银系统便 能轻松掌握每日经营情况。 时代的声音在变，但北京银行的底色没有变——守护便捷、提升效率、支撑创新，让生活更稳，让未来 更近。这既是一家城商行不断重塑自身、超越自我的故事，也是一部中国金融业探索如何让服务抵 达"更深层、更细处、更贴近人心"的实践史。 新|浪|金|融|研|究|院 创新的根系 二十多年前的中关村，还没有今天林立的科研楼、孵 ...

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]

Core Insights - The financial system in Xinjiang has achieved the highest deposit growth rate and third highest loan growth rate in the country, with social financing scale growth at 1.4 times the national average, indicating strong financial support for high-quality development in the region [1][4]. Monetary Policy Measures - The People's Bank of China (PBOC) introduced a comprehensive set of monetary policy measures to support key sectors such as technology innovation, consumption, and foreign trade, enhancing support for the real economy [2]. - The PBOC lowered the reserve requirement ratio by 0.5 percentage points, releasing long-term funds of 12 billion yuan for Xinjiang [2]. - The reduction in personal housing provident fund loan rates by 0.25 percentage points is expected to save approximately 400 million yuan in interest for 550,000 households in Xinjiang annually [2]. Financial Support and Loan Growth - In the first half of the year, the PBOC's Xinjiang branch issued 29.18 billion yuan in re-loans for agriculture and small enterprises, leading to an increase of 75.6 billion yuan in agricultural loans and 66.1 billion yuan in loans for small enterprises [3]. - The total amount of loans issued by financial institutions reached 274.4 billion yuan, significantly boosted by various policy tools [3]. Social Financing and Loan Balances - By the end of June, the social financing scale in Xinjiang reached 5.5 trillion yuan, with a year-on-year growth of 12.8%, and the balance of RMB loans was 3.49 trillion yuan, growing by 9.6%, which is nearly 40% higher than the national average [4]. Focus on Key Areas - The PBOC's Xinjiang branch, in collaboration with 15 departments, implemented a comprehensive plan focusing on five key areas: technology, green finance, inclusive finance, pension finance, and digital finance [5][6]. - The balance of technology loans reached 731.91 billion yuan, growing by 14%, while green loans increased by 593.3 billion yuan, accounting for one-third of the new loan amount [7]. Financing Cost Reduction - The PBOC's measures have led to a significant reduction in financing costs, with the average interest rate for new loans in Xinjiang dropping to 3.24%, a decrease of 52 basis points year-on-year [10]. - The average interest rates for small and micro enterprises have also seen notable declines, with rates for small enterprises at 3.45% and micro enterprises at 3.51% [10]. Comprehensive Financing Cost Services - Since the launch of the comprehensive financing cost pilot program in March, 34 banks have provided services to 4,388 enterprises, involving loans totaling 32.97 billion yuan, effectively reducing overall financing costs [11].

Core Viewpoint - The article highlights the role of financial support from Beijing Bank in facilitating the growth and innovation of technology-driven companies like Feiyu Technology, showcasing how tailored financial products can address the unique challenges faced by such enterprises [1][4][11]. Group 1: Company Overview - Feiyu Technology, located in Xi'an, has developed a mobile pet grooming vehicle, expanding its product line to include various specialized vehicles, demonstrating its growth in the niche market of customized vehicle modifications [1][2]. - The company has achieved significant milestones, including holding 15 independent intellectual property rights and patents, and has been recognized as a national high-tech small and micro enterprise [1][2]. Group 2: Financial Support and Impact - In 2021, Feiyu Technology faced financial difficulties due to slow customer payments and urgent cash flow needs, prompting the company to seek loans from multiple banks [2][3]. - Beijing Bank provided a quick response, approving a 3 million yuan (approximately 0.43 million USD) online credit loan within a few days, which helped stabilize the company's operations and customer relationships [3][5]. Group 3: Financial Products and Services - Beijing Bank has developed specialized financial products like "Kechuang e-loan," designed for technology companies with high growth potential, allowing for online applications and quick funding [5][6]. - The bank has also introduced "Innovation Credit Loan" and "Jinli e-loan" to cater to different stages of enterprise development, focusing on intellectual property and innovation as key evaluation criteria [6][9]. Group 4: Ecosystem and Long-term Support - Beijing Bank aims to create a comprehensive service ecosystem that supports companies throughout their growth stages, from initial funding to equity financing and mergers and acquisitions [7][8]. - The bank has established a specialized team to provide tailored financial services, ensuring a deep understanding of both technology and finance to better serve innovative enterprises [9][10]. Group 5: Growth and Future Outlook - Feiyu Technology has achieved an 80% market share in modified ambulances in Shaanxi and continues to grow, supported by the increasing credit limits from Beijing Bank, creating a positive cycle of growth and financial support [11][12]. - As of May 2023, Beijing Bank's technology finance loan balance reached nearly 15 billion yuan (approximately 2.2 billion USD), with over a thousand clients benefiting from these services [11].

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].

Core Viewpoint - Beijing Bank is undergoing a significant digital transformation, entering the 2.0 phase, which emphasizes comprehensive digital operations and the integration of artificial intelligence into its business model [2][3]. Digital Transformation - The bank has upgraded its technological capabilities through a three-year digital transformation, focusing on a unified data foundation, financial operating system, and risk control platform [2]. - In 2024, technology investment will account for 4.6% of revenue, which is relatively high compared to peers [2]. - The bank aims to shift from "experience-based decision-making" to "data-driven decision-making" across seven key operational areas [2]. Net Interest Margin - The net interest margin for 2024 is reported at 1.47%, remaining stable for three consecutive quarters starting from Q2 2024 [3]. - The decline in net interest margin is significantly lower than the industry average, attributed to four competitive advantages: low-cost liabilities, cost control, financial market advantages, and asset quality management [3]. Competitive Advantages - The bank has expanded low-cost deposit sources through refined customer management and innovative financial products [3]. - Cost-to-income ratio remains low due to strict expense control, further enhanced by digital transformation [3]. - Non-interest income grew by 10% year-on-year in 2024, driven by active engagement in financial market operations [3]. - Continuous improvement in asset quality is noted, with a declining rate of non-performing assets for four consecutive years [3]. Differentiated Competition - The bank's location in Beijing is highlighted as a significant competitive advantage, ranking third in both deposits and loans in the local market [5]. - The bank has a long-standing commitment to serving local economies and small to medium-sized enterprises, with many notable companies receiving initial loans from Beijing Bank [5]. Technology Finance - The bank aims to become the "first bank for specialized, refined, unique, and new" enterprises, having served over 20,000 such clients by the end of 2024 [6]. - The loan balance for specialized and new enterprises reached 106.8 billion yuan, with significant support provided to technology-oriented SMEs [6]. - Innovative credit products have been launched to enhance financing services for specialized and new enterprises [6]. Future Outlook - The bank plans to integrate its strategy of becoming the "first bank for specialized and new enterprises" with advancements in technology finance, focusing on professional and tailored financial services [7]. - There will be an emphasis on expanding support for high-tech enterprises and innovative SMEs, optimizing financial product offerings to enhance overall client profitability [7].

Core Insights - Beijing Bank has provided over 1.2 trillion yuan in credit to 50,000 technology-oriented SMEs and supported more than 18,000 first-time borrowers [1] - The bank aims to create five specialized banking models to enhance its service offerings [1][2] - The introduction of AI-driven financial products is part of Beijing Bank's strategy to redefine online financing [1] Group 1: Financial Services to SMEs - Beijing Bank has developed a product matrix including "Linghang e-loan," "Lianchuang e-loan," "Jinli e-loan," and "Tong e-integration" to serve specialized and innovative enterprises [1] - The bank has served over 20,000 specialized and innovative enterprises through its financial services [1] Group 2: Talent Services - Beijing Bank has launched a talent financial service plan that includes various products aimed at providing exclusive rights and services for talents [1] - The plan promotes the integration of the capital chain, talent chain, innovation chain, and industry chain [1] Group 3: AI Integration - Beijing Bank has adopted AI technologies and concepts like "AI Banking" to explore new banking models [2] - The bank collaborates with industry funds and VC/PE to provide long-term stable support to enterprises, emphasizing its role as a "patient capital" provider [2] Group 4: Support for Private Enterprises - Over 90% of Beijing Bank's loan clients are private enterprises, highlighting its commitment to supporting the private sector [2] - The bank recognizes private enterprises as a driving force for technological innovation [2]