China Merchants Bank: Create a new situation in science and technology finance with systematic capabilities
[ad_1]
The integration of technology and finance is an important driving force for promoting high-quality economic and social development.The data shows that as ofBy the end of 2023, China Merchants Bank will serve more than 140,000 technology enterprise customers, accounting for 23% of the companies on the country’s major technology list;Technology enterprise loan balance breaks through420 billion yuan, a year-on-year increase of more than 80 billion yuan. The diversified comprehensive services of science and technology finance represented by bank financing have effectively supported the development and growth of technology companies.
According to reports,Since 2023, China Merchants Bank has regarded technology finance as the main direction of serving the real economy.Further focus on serving technology companies,byThe three constructions of “systematic mechanism, professional capabilities, and ecological scenarios” will be used as the starting point to do a good job in science and technology finance.China Merchants Bank attaches great importance to the construction of systematic mechanisms and has built a solid foundation for the development of technology financial business in areas such as organizational structure, mechanism improvement and brand building.
Improve the organizational structure and gradually expand the coverage of key branches
In order to improve the financial support for technological innovation system and increase financial support for technological enterprises, the establishment of specialized institutions and professional teams is the only way to go..In recent years, the state has continuously introduced policies to encourage commercial banks to improve the layout of specialized institutions in science and technology finance.In May 2023, the central bank and other eight ministries and commissions proposed to “guide the specialized development of existing science and technology innovation finance, cultivate science and technology finance specialty branches, science and technology finance divisions and other specialized organizations that focus on serving science and technology innovation enterprises, and improve the differentiation of specialized organizations management mechanism”. On January 12, the State Administration of Financial Supervision proposed to “encourage banking and insurance institutions to standardize the construction of specialized or featured branches in science and technology finance in areas where science and technology resources are concentrated, and focus on providing financial services to technology-based enterprises.”
China Merchants Bank actively implements national policy guidance and accelerates the improvement of the organizational structure of science and technology finance. It is understood that China Merchants Bank has established a technology and finance leading group to promote the layout of key technology and finance branches across the country step by step.After comprehensively considering factors such as the regional economic development of science and technology finance, the potential of science and technology enterprises, and government policy support, China Merchants Bank identified Shenzhen, Beijing, Shanghai, Hangzhou, Nanjing, and Hefei as the first batch ofSix first-level branches and one second-level branch in Jiaxing took the lead in carrying out science and technology finance pilots, and combined with the successful experience of the pilot branches, they replicated and promoted it to branches with a large number of technology companies, gradually expanding the scope of key science and technology finance branches. As of the end of 2023, 11 first-level branches have become key branches for technology finance, and 15 technology sub-branches have been established, which will be further expanded to 20 in 2024.At the same time, China Merchants Bank has strengthened the construction of its professional team in science and technology finance, and established specialized front, middle and back-office service teams in key branches to continuously improve the service quality and efficiency of technology enterprises..
At the beginning of the new year of 2024, Yang Sisi received many inquiries from customers about China Merchants Bank’s innovative financing product “Technology Innovation Loan”. As an account manager at Jiuxianqiao Science and Technology Finance Branch of China Merchants Bank Beijing Branch, Yang Sisi has served more than double the number of technology companies she serves compared to the previous year, and her professional level and service capabilities have also been significantly improved. While methodically guiding customers to initiate financing applications online on the China Merchants Bank Enterprise App, Yang Sisi also talked about the changes brought about by the Science and Technology Sub-branch one year after its establishment, “Beijing is a center of science and technology innovation, and China Merchants Bank has specially established a science and technology finance branch on a pilot basis. , providing targeted high-quality services for the economic and social development of Beijing. The Jiuxianqiao branch where I work was officially transformed into a science and technology finance branch in January 2023. The transformation of the science and technology finance branch made me more focused on technology enterprises. I have mastered the technology financial products and services of China Merchants Bank, studied more deeply the industry fields and business scenarios of my customers, mastered their technology principles, technical paths and business models, and strived to become an expert in the industry where my customers are. Now, I am becoming more and more capable of providing good services. With the confidence and confidence of our customers, our technology branches have gradually won high recognition from more and more technology companies.”
introduced“Six Specialties” to strengthen institutional guarantees
The growth pattern of technology companies is obviously different from that of traditional companies, especially for technology companies in the early stages of growth.The traditional credit service model of commercial banks is difficult to match the characteristics of “light asset operations, large growth potential, and strong uncertainty.” Commercial banks need to make innovative arrangements in supporting policy mechanisms. In fact, China Merchants Bank has been exploring and practicing in the field of technology finance for more than ten years and can be regarded as a veritable “pioneer”.Since the launch of the “Thousand Eagles Spreading Wings” innovative enterprise cultivation program in 2010, China Merchants Bank has begun to pay attention to the unique needs of the technology enterprise group, and its efforts in serving technology enterprises have gradually won wide recognition from all parties in society.formedGood market reputation and brand reputation,It has also accumulated solid professional capabilities and a strong customer base. As a whole, technology enterprisesService effectiveness has also been continuously accelerated.
With the continuous development of science and technology finance, China Merchants Bank has improved the matching efficiency of finance and technology through the innovation and optimization of a series of mechanisms, and launched science and technology finance that includes specialized teams, specialized products, specialized policies, specialized institutions, specialized evaluations, and specialized processes.The “six specializations” working mechanism requires key branches to carry out specialized transformation and adaptive innovation for technology enterprises in aspects such as institutional teams, products and services, marketing organizations, business processes, policy evaluation and risk management.
According to China Merchants Bank,As an exclusive supporting mechanism for science and technology finance, the “Six Specialties” play a key role in resource allocation, team building, capability improvement, long-term incentives and process optimization..2023,11Technology FinanceKey branchesThe business in the region has accelerated its development, and the scale of loans to technology companies has increased by nearly 10% year-on-year.30%,For the whole bank’s technology and financeSteady progressmade major contributions,fullReflectsThe driving effect of the “six specialties mechanism” on business development.
Adhere to the original intention of service and accompany the growth of the enterprise
“The market situation is turbulent and changeable, and the company has experienced too many ups and downs over the years. CMB’s consistent support makes us unconditionally trust them.” Looking back on the nearly ten years of cooperation with CMB, Zhejiang Shangfang Biotechnology in Jiaxing, Zhejiang The person in charge of the Co., Ltd. said.The company’s trust stems from CMB’s long-term companionship and full support – in 2020, when the company’s key projects were put into production, China Merchants Bank approved a comprehensive credit of 180 million yuan within one month; in 2021, CMB provided more than 600 employees of the company with High-quality online personal financial services; in 2023, China Merchants Bank will further introduce investment institutions to help enterprises strengthen their capital strength; in early 2024, when China Merchants Bank’s “Technology Innovation Loan” product will be launched, Shangfang Biotechnology has outstanding innovation and research and development capabilities and rich accumulation of intellectual property rights its own characteristicsIt is in line with the target customer screening criteria of Kechuang Loan products.With the active recommendation of the account manager, the enterprise passed the China Merchants Bank EnterpriseInitiate product application online with one click on the App, and experience a convenient and efficient onlineA new financing experience. The person in charge of the aforementioned company said frankly,“The all-round support from China Merchants Bank has given us sufficient confidence to help the company consolidate and develop into a ‘specialized, special and innovative’ small giant enterprise and invisible champion enterprise step by step.”
In fact, there are many technology companies similar to Zhejiang Shangfang Biotechnology Co., Ltd.
According to China Merchants Bank,“Technology + Finance” is a bridge that helps technology companies realize their beautiful visions – it not only supports the original vision of small and micro enterprises in science and technology to draw a development blueprint and continue to grow and expand; it also supports leading technology companies to carry out national strategies and courageously The mission of reaching the peak of science and technology. China Merchants Bank’s original intention to develop technology finance is just like the core concept declared by the bank in its technology finance brand launch conference. On the journey of innovation and development of technology enterprises, China Merchants Bank will accompany the enterprises every step of their growth with a complete system and professional services.
[ad_2]
Source link