On September 30th, the 14th Financial Development Forum and Outstanding Financial Enterprise Ceremony, hosted by the Economic Observer, was held. The forum, with the theme of "Focusing on High Quality Development and Co creating a New Chapter in Finance," focuses on topics such as the transformation of the financial industry and opportunities for technological revolution at the beginning of the 15th Five Year Plan period. Chengdu Bank, with its systematic innovation and solid achievements in the field of technology finance, has been selected as an excellent case of "Annual Excellent Science and Technology Innovation Financial Bank".

Guo Hongchao, Deputy Editor in Chief of the Economic Observer, stated in his speech that the next stage of China's financial "excellence" will no longer simply pursue large-scale expansion, but rather aim for greater accuracy, stability, and longevity. The industry is shifting from a focus on scale and speed to a focus on quality and efficiency. Evaluating companies is no longer just about collateral, but more about technology, cash flow, data, and teams. The service model is also upgrading from single product sales to comprehensive solutions throughout the entire lifecycle. This judgment is highly consistent with the innovation finance practice of Chengdu Bank.

Mechanism breakthrough: Reshaping credit discovery with the "four specialties" framework

Science and technology innovation enterprises generally have "light assets, lack of collateral, and difficulty in financing", and traditional credit models are difficult to effectively cover. Chengdu Bank has taken the lead in establishing the four specialized mechanisms of "specialized institutions+specialized teams+special credit+specialized products". In 2009, the bank established the first batch of technology finance specialized institutions in China - technology branches, implementing differentiated management, with technology enterprise loan balances and customer numbers accounting for over 90%; Through "external recruitment and internal training", we have built a composite talent team, with over 1000 corporate customer managers visiting more than 3200 technology companies across the bank; Granting independent approval authority to technology branches for intellectual property pledge loans of up to 3 million yuan per account, and over 90% of technology enterprise credit loans are directly approved by branch offices. Mechanized specialization allows "soft information" such as technology, data, and teams to enter the credit evaluation system, greatly improving the financing accessibility of science and technology innovation enterprises.

Ecology and Products: Government Bank Enterprise Collaboration, Covering the Entire Lifecycle

On the ecological side, Chengdu Bank deeply connects with the "Tianfu Science and Technology Innovation Loan" and constructs a "government+bank+guarantee+securities firm" model, relying on the risk compensation fund pool to expand the loan scale by 10-20 times, and supporting financial subsidies and guarantee fee subsidies; As a core cooperative of the "Kechuangtong" platform, we aim to achieve a closed loop of "online matchmaking+offline visits"; Deepen cooperation with Chengdu High tech Zone, implement products such as "Growth Loan" and "Stock Bond Connect", and rely on "Golden Panda" points and Yingchuang Power platform for precise credit.

On the product side, the bank has built a system of 18 technology finance products covering the incubation period to maturity of enterprises, including credit loans, pledge loans, investment loan linkage, supply chain and other types. In 2026, Chengdu Science and Technology Bureau and Chengdu Bank will launch an exclusive sub product "OPC Loan" for the artificial intelligence sub track under the "Science and Technology Innovation Loan" project, and enterprises can enjoy full interest subsidies based on the LPR of the same period. In April 2026, the bank issued a pure credit loan of 1 million yuan to Sichuan Yuanqi Symbiosis Artificial Intelligence Technology Co., Ltd., achieving a breakthrough in Chengdu's exclusive financing channel for OPC (one person company). At the same time, we have promoted the intellectual property pledge model and implemented innovative models such as "Gaozhi Loan" and "Credit Empowerment with Points". We have processed over 440 pledged loans and invested over 1.4 billion yuan, promoting the transformation of "intellectual property" into "assets".

Effectiveness and samples: Collaborative leap in scale and quality, exploring replicable paths

As of the end of 2025, the balance of technology-based enterprise loans from Chengdu Bank exceeded 88.3 billion yuan, an increase of 18.4 billion yuan from the beginning of the year, with a growth rate of over 26%, far exceeding the average loan growth rate of the entire bank; Accumulatively serving over 6000 technology enterprises; The coverage rate of specialized, refined, and new "little giants", science and technology innovation board, and growth enterprise board listed companies in Chengdu has exceeded 80%, and the coverage rate of national specialized, refined, and new enterprises has reached 86%; More than 30 science and technology innovation enterprises have been cultivated and listed on domestic and foreign capital markets such as the Science and Technology Innovation Board, Growth Enterprise Market, and Hong Kong Stock Exchange. The bank has won the Outstanding Technology and Financial Innovation Award of the 2024 "Golden Wisdom Award" and ranked first among legal person banks in the province in the evaluation of the effectiveness of technology and financial services organized by the People's Bank of China in 2025.

The practice of Chengdu Bank has shown that city commercial banks do not need to pursue all-round investment banks, but can rely on regional endowments, build differentiated competitiveness in the field of technology finance through specialized mechanisms, digital risk control, and deep collaboration between government, banks, and enterprises, and embark on a distinctive path of "small and beautiful, specialized and refined". Finance is an industry that is friends with time. In the short term, we look at size rankings, and in the long term, we look at credit, ability, and reputation. Taking the "Annual Excellent Science and Technology Innovation Financial Bank" as a new starting point, Chengdu Bank is precisely empowering science and technology innovation enterprises with financial vitality, and helping to promote a virtuous cycle of "technology industry finance".