On September 3rd, Hangzhou Bank elaborated on the latest strategic direction of Sci Tech Innovation Finance at its semi annual performance briefing. Data shows that as of the end of the reporting period, the balance of technology loans from Hangzhou Bank reached 138.014 billion yuan, an increase of 18.21% from the end of the previous year, significantly higher than the average loan growth rate of the entire bank. In the current situation where the banking industry is generally facing pressure to narrow interest rates, Sci Tech Innovation Finance is becoming an important growth pole for Hangzhou Bank's characteristic operations.

Behind this growth is the continuous iteration of Hangzhou Bank's innovative financial model. According to the performance briefing, the bank's Sci Tech Innovation Finance has entered the 3.0 digital driven stage from the 1.0 era of bank government cooperation and the 2.0 era of investment loan linkage. The core logic is to shift from "looking at the past" to "looking at the future", and from "looking at reports" to "looking at the track".

With professional judgment, cast the first vote of confidence

In May of this year, at the "Lucky Meeting Hangzhou · Dialogue on the Future" conference hosted by the Hangzhou Municipal Government, eight hard technology companies deeply involved in vertical tracks appeared under the name of "Hangzhou New Eight Horses", distributed in the forefront fields of smart glasses, space computing, embodied intelligence, reasoning GPU, etc. Most of these companies are in a critical period of transition from laboratories to industrialization - with rapidly rising valuations and intensive financing rhythms, but they have not yet been widely recognized by the market. Outside the spotlight, a detail was noticed: Hangzhou Bank has achieved full credit coverage for the "New Eight Juns", with the "first bank credit" of six companies all coming from Hangzhou Bank.

The first loan is the first vote of trust that a bank gives to a company. Becoming the "first lending bank" of a company means daring to make independent decisions based on judgment of technology and team during the stage when the company lacks credit records and is least understood by the traditional financial system.

Rokid technology in the field of AR glasses is an example. In 2020, when the product had not yet been commercialized on a large scale, Hangzhou Bank became its "first lending bank". Banks value not financial statements, but technical accumulation and team background. Subsequently, we provided credit support for six consecutive years, witnessing its growth into an industry benchmark.

In the more forward-looking future industry track, Hangzhou Bank has also demonstrated its "discerning eye" for identifying hard technology. Taking the local enterprise Diwei Er Space Technology (Hangzhou) Co., Ltd. in Hangzhou as an example, this is a space intelligence technology enterprise with AI as its core. Based on a deep analysis of the aerospace economy, Hangzhou Bank became its first credit cooperative bank within just one year of its establishment, investing tens of millions of yuan in its first loan and providing comprehensive financial services such as credit expansion, cross-border settlement, and exchange rate hedging.

Data is a powerful support. In the list of 461 unicorn and quasi unicorn companies in Hangzhou in 2026, the cooperation coverage rate of Hangzhou Bank exceeds 91%.

Methodology of "Looking to the Future": Five Dimensional Evaluation and Forward Moving Industry Research

The confidence to invest early, invest small, and invest hard comes from a constantly improving methodology. Traditional credit values collateral, cash flow, and profit records. Hangzhou Bank's breakthrough approach is a self-developed dynamic evaluation model for the growth of start-up enterprises, covering five dimensions: "policy, capital, technology, team, and industry".

Based on this, the bank has established specialized teams in industries such as artificial intelligence, biomedicine, and intelligent manufacturing - one team looks at one industry, and personnel allocation, industry research, and customer expansion revolve around one track. There are not only traditional bankers in the team, but also master's and doctoral students in computer science and biomedical sciences. It is based on the professional judgment of "looking at technology, looking at the team" that Hangzhou Bank can achieve accurate identification and early coverage of hard technology enterprises such as "New Eight Jun" without relying entirely on collateral.

From a six-month growth rate of 18.21% to becoming the "first lending bank" for six companies in the "New Eight Juns", Hangzhou Bank has demonstrated through practice that the core of technology finance lies not in the impulse to scale, but in whether it has the "professional eye" to identify hard technology and the determination to support it in its infancy.

From Science and Technology Innovation Finance 1.0 to 3.0, Hangzhou Bank is attempting to become a professional financial partner who truly understands science and technology innovation and dares to "take action" in critical initial stages through data-driven and industrial research, providing a pragmatic and recognizable answer to the proposition of "financial support for new quality productivity" for Hangzhou Bank.