Core Insights - Postal Savings Bank of China Beijing Branch has significantly enhanced the quality and efficiency of financial services for the real economy through the development of technology finance, providing strong support for the growth of new productive forces [1][2] Group 1: Financial Support and Innovation - The Beijing Branch has established a close collaboration with Xunzhong Communication since 2018, providing support during challenging times, including issuing a large "technology flow" loan in 2024 to help the company accelerate its development [1][2] - The branch has created a "technology flow" evaluation system to address the common challenges faced by high-growth technology enterprises, such as difficulties in access, assessment, and credit granting [1][2] Group 2: Focus on Key Industries - The branch focuses on six cutting-edge industries: artificial intelligence, integrated circuits, information technology, pharmaceutical health, new energy, and new materials, while innovating service models and product matrices to inject strong momentum into key industries in the capital [2][3] - As of July 2025, the branch has served over 2,000 technology enterprise clients, with a loan balance exceeding 20 billion yuan [2] Group 3: Collaborative Ecosystem - The branch strengthens cooperation with various government-funded industrial investment funds and collaborates with China Postal Securities to create an integrated service system, supporting specialized and innovative technology enterprises [3] - The branch aims to deepen financial services throughout the entire lifecycle of technology enterprises through public-private collaboration, investment-loan linkage, and cross-departmental collaboration, providing customized financial solutions [3]

Core Viewpoint - The Postal Savings Bank of China Beijing Branch is committed to supporting the development of specialized and innovative small and medium-sized enterprises (SMEs) through financial technology innovation, aligning with national strategic goals and enhancing financial services for the real economy [1][4]. Group 1: Financial Support and Services - The Beijing Branch has actively supported Xunzhong Communication Technology Co., Ltd. since their partnership began in 2018, providing significant financial assistance during challenging times, including a large "technology flow" loan in 2024 [4][5]. - The branch has offered comprehensive financial services to Xunzhong Communication, including settlement services, social security card processing, payroll services, and private banking for executives, facilitating the company's strategic move to the Hong Kong stock market [4][5]. Group 2: Innovative Financial Solutions - The "technology flow" evaluation system developed by the Postal Savings Bank addresses common challenges faced by high-growth technology companies, such as access, assessment, and credit difficulties, serving over a hundred technology enterprises and providing nearly 10 billion yuan in credit [5][6]. - The Beijing Branch focuses on six key industries: artificial intelligence, integrated circuits, information technology, pharmaceutical health, new energy, and new materials, enhancing financial services throughout the entire lifecycle of technology enterprises [5][6]. Group 3: Digital Transformation and New Financial Models - The branch is leading a digital transformation initiative, launching the "U Yi Calculation" loan platform project in 2024, emphasizing early, small, long-term investments in hard technology [6][7]. - The branch has implemented a "loan-equity linkage" business model, successfully executing the first loan-equity linkage disbursement in the country and introducing the "U Ju Investment" equity valuation model, serving over 2,000 technology enterprises with a loan balance exceeding 20 billion yuan [6][7]. Group 4: Collaborative Ecosystem Development - The Beijing Branch has strengthened cooperation with government and enterprise sectors, establishing a long-term mechanism for collaboration and creating an ecosystem that integrates investment, banking, and research to support specialized and innovative enterprises [7]. - The branch aims to deepen public-private collaboration, investment-loan linkage, and cross-departmental cooperation, enhancing its comprehensive service offerings and contributing to high-quality development in the capital [7].

Core Viewpoint - Technological innovation is a crucial driving force for China's economic development, with financial services playing an essential role in supporting the growth of technology-driven enterprises [1][2]. Group 1: Financial Support for Technological Innovation - Postal Savings Bank's Beijing branch focuses on six key industries: artificial intelligence, integrated circuits, information technology, pharmaceutical health, new energy, and new materials, providing tailored financial services to support the entire lifecycle of technology enterprises [1][2]. - The bank has established over 2,300 technology enterprise clients and provided loans exceeding 20 billion yuan [1]. Group 2: Innovative Financial Solutions - The bank has launched the "U Billion Computing" loan platform to address the unique needs of high-growth technology companies, emphasizing early, small, long-term investments in hard technology [2][3]. - A "Technical Flow" evaluation model has been implemented to better assess the value and risks of technology enterprises, facilitating easier access to credit for these companies [2][3]. Group 3: Product Development and Lifecycle Support - The bank has introduced a series of products tailored to the entire lifecycle of enterprises, including the "Easy Enterprise" platform for comprehensive financial management and the "U Benefit Innovation" financial brand with five service lines to meet diverse needs [3][4]. - The bank has successfully executed its first loan under the investment-loan linkage model, addressing the equity investment characteristics of technology enterprises [3]. Group 4: Strengthening Technological Capabilities - The bank is enhancing its technological capabilities by integrating advanced information technology with traditional banking services, exemplified by the opening of a new branch utilizing the HarmonyOS system [4][5]. - The establishment of the "Golden Harmony Laboratory" aims to deepen the integration of the Harmony system with financial terminals, contributing to national financial security [5]. Group 5: Promoting New Growth Drivers - The bank actively seeks to identify and support emerging industries, having hosted the "New Quality Wealth Competition" to showcase innovative technology companies in fields like biomedicine and artificial intelligence [6]. - The bank has organized multiple competitions to strengthen investment-loan linkages and enhance brand visibility, successfully attracting nearly 100 new clients [6]. Group 6: Future Strategies and Goals - The bank plans to deepen its three major linkages: public-private, investment-loan, and cross-departmental collaboration, to provide customized financial solutions [7]. - Future initiatives include increasing credit and medium-to-long-term loan offerings, optimizing product applications, and enhancing financial services for technology enterprise mergers and acquisitions [7].

在全球新一轮科技革命与产业变革加速演进的趋势下，建设国际科技创新中心，是推动首都高质量发展、率先基本实现社 会主义现代化的重要支撑。 "邮企同行，创引未来"邮储银行北京分行（昌平赛区）新质创富大赛决赛暨颁奖典礼在北京未来科学城举行。本次大赛的成 功举办，不仅彰显了邮储银行国有大行的责任与担当，更成功探索出"政银企"协同培育新质生产力的"昌平范式"。 中央金融工作会议提出做好金融"五篇大文章"，将科技金融放在"五篇大文章"首位。邮储银行北京分行深刻领会中央金融工 作会议精神，紧紧跟踪并把握科技前沿变化，不断优化产品和服务，加强对新科技、新赛道、新市场的金融支持，推动科 技与金融深度融合，不断开创金融支持北京国际科技创新中心建设的新局面。 北京分行将办公地点搬到位于城市副中心运河商务区核心区的北京邮储大厦，成为第一家在城市副中心落地的国有大行一 级分行，进一步支持城市副中心建设。 扎根科创沃土 推动产品服务适配度"再升级" 流"评价模型，创新打造"U亿算"算力贷平台、"U聚投"股权估值模型，重点支持先进制造业、专精特新与科创客户拓展。同 时，通过降低企业融资成本、提升知识产权评估能力、增加风险容忍度等措施，为新质 ...