Technology finance is an organic combination of financial development and technological innovation. It emphasizes promoting a high level of technological self-reliance and self-improvement with better financial products and services. As the first of the “Five Great Articles,” the proposal for technology finance not only shows that the country attaches great importance to technology, but also gives financial services a historical mission of technological innovation.

Bohai Bank Co., Ltd. (hereinafter referred to as “Bohai Bank”) places the financial empowerment of technology-based enterprises in a prominent position, and serves as a key breakthrough direction to support the real economy and a gripper for its own high-quality transformation and development. As of the first quarter of 2024, Bohai Bank's loan balance for various technology-based enterprises, such as technology-based small and medium-sized enterprises, specialized and innovative enterprises, and individual champions in the manufacturing industry, reached more than 75 billion yuan.

Product innovation enriches the content of technology financial services

Bohai Bank actively serves the national strategy, responds positively to national decisions and deployments, and continues to strengthen its focus on technology-based enterprises. In order to ensure the depth and breadth of financial services, the bank continues to improve the financial service system mechanism, provide “full-cycle, all-round, full-scenario” specialized financial services for technology-based enterprises, launch a “Bobank Science and Technology Innovation” comprehensive service system for enterprises at different stages such as start-up, growth, and maturity, and has built financial services covering the entire life cycle, entire ecological scenario, and entire industry chain of technology enterprises to help technology enterprises “soar through the sky”.

In particular, recently, Bohai Bank focused on technology-based enterprises such as national technological innovation demonstration enterprises, individual manufacturing champions, and specialized and special technology enterprises. In response to their strong specialty, light assets, low collateral, high growth, high risk characteristics, and traditional credit products are difficult to match support, etc., it has innovatively launched a special technology finance product - Kexu Loan, using “technology flow” dimensional information such as intellectual property rights, R&D investment, market position, management team, and capital operation of technology enterprises to provide more accurate financial support and approval for technology enterprises with innovative capacity and growth potential. Fast and efficient.

A technology company in Shanghai focuses on innovative research and development of cognitive intelligent robots. The company has independent intellectual property rights, proprietary technology and advanced knowledge. It has more than 400 independent patents, and has been rated as a national-level specialist, special and new giant. The company's financing needs were strong in 2024. After learning about this situation, Bohai Bank immediately visited and provided advanced services. Through “Bobank Express Loan”, it quickly completed the entire process from application to loan, meeting the actual capital needs of technology companies.

Seize the main line and make every effort to support the development of technology enterprises

In recent years, Bohai Bank has carried out many useful practices in the field of technology finance. By taking the initiative to know the needs and difficulties of science and innovation enterprises, it provides financial support at critical times, stimulates innovation in the science and innovation industry with financial power, and injects new vitality and new impetus into the high-quality development of the local economy.

While various products such as “Bobank Express Loan” and “Talent Loan” enrich the full life cycle service product shelf of science and technology innovation enterprises, Bohai Bank invests and loans with industrial funds and venture capital funds to build an ecological service bridge for internal and external collaboration. Focus on the innovative and entrepreneurial needs of “Tiankaiyuan” science and innovation enterprises and high-end talents in Tianjin, move the financial service window forward, provide “close” financial services, attract active financial resources, nurture new talents, and activate new development momentum from industry-academia research.

According to information, an industry-education integration company that grew and developed along with Tiankaiyuan is in the start-up stage, focusing on energy storage control, battery operation and maintenance technology transformation and product implementation in the fields of special power supplies, energy storage, and new energy power generation. Bohai Bank seizes the opportunity to build the Tiankai Higher Education Park Science and Technology Innovation Park, accompanies the customer's incubation and growth, and takes the initiative to visit the customer to fully understand the customer's “soft power” of science and innovation. Together with Haihe Industrial Fund, Begitang Fund, and Science and Technology Innovation Angel Fund, it uses an investment and loan linkage model to develop financing plans for customers to promote technological innovation and transformation of achievements. At the same time, it also provides customers with a comprehensive package of financial services such as intelligent financial management, distribution, and public financial management.

Since the opening of Tiankaiyuan Park in May 2023, Bohai Bank has used the Tianjin branch as a key fulcrum to strengthen investment and loan linkages with various fund companies and increase financial support for science and innovation enterprises that have settled in Tiankaiyuan. Up to now, the bank has granted more than 110 million yuan in credit to Tiankaiyuan, providing financial services to more than 10 science and innovation enterprises and more than 50 science and innovation talents.

As the deep integration of technology and industry continues to strengthen, the impact of technological innovation in financial services on the development of new quality productivity is becoming more and more prominent. As the years change and persevere, Bohai Bank will further enhance its ability and level of service finance to support technological innovation, and contribute to the construction of a strong financial nation, a beautiful China, and a beautiful Tianjin.