Recently, the 2023 Tianjin Financial Services Manufacturing High-Quality Development Action was jointly organized by the Tianjin Municipal Finance Bureau, Tianjin Municipal Bureau of Industry and Information Technology, Tianjin Branch of the People’s Bank of China, Tianjin Supervision Bureau of the State Financial Supervision and Administration Bureau, and Tianjin Securities Regulatory Bureau. The “Golden Idea” and “Good Team” selection activities came to an end. The innovative “Jinzhao Science and Technology Innovation Loan” launched by China Merchants Bank Tianjin Branch successfully won the honor of “2023 Tianjin Financial Services Manufacturing High-Quality Development Action “Golden Idea””.
Since 2023, China Merchants Bank Tianjin Branch has continued to promote the ecological construction of technological financial scenarios, carried out data sharing and product co-construction with Tianjin High-tech Zone, and successfully created the bank’s first regional innovation project “Jinke Points Loan”. Based on this, with the guidance and help of the Tianjin Municipal Finance Bureau and the Municipal Science and Technology Bureau, the Tianjin Branch promoted innovation to the whole area – launching the “Tianjin Recruitment Science and Technology Innovation Loan”.
“Jinzhao Science and Technology Innovation Loan” fully considers the characteristics of technology-based small and medium-sized enterprises, starting from the logic of “data first, model driven”, combined with the government data of the Municipal Financial Bureau’s “Jinxinrong” platform and the “Technology Quantitative Points” of the Municipal Science and Technology Bureau, Realized the calculation of corporate pre-credit limit. At the same time, direct data connection with the “Jinxinrong” platform enables online transmission of some loan application data, improving approval efficiency and customer service experience. “Jinzhao Science and Technology Innovation Loan” is an important part of China Merchants Bank’s “Technology Innovation and Recruitment” service system. It is committed to serving the city’s technology-based small and medium-sized enterprises, changing the traditional bank’s evaluation method based on financial data and collateral, and The scientific and technological strength of enterprises is incorporated into the risk assessment system of China Merchants Bank, transforming scientific and technological strength into “real money”, so that scientific and technological enterprises no longer wait for “loans”.
In the future, China Merchants Bank Tianjin Branch will thoroughly implement the spirit of the Central Financial Work Conference and focus on five major articles such as technology finance and inclusive finance to provide high-quality financial services for the high-quality economic and social development of Tianjin.