China Merchants Bank Qingdao Branch Ignites New Engine of New Quality Productive Forces through Technology Finance

From: Xinhua Finance

In recent years, China Merchants Bank Qingdao Branch has focused on the strategic direction of a virtuous cycle of “technology—industry—finance,” anchoring on three major areas: ecological, professional, and systematic development, continuously deepening its focus on the science and technology innovation track.

Digital Empowerment: Making Technology a “Hard Currency” for Financing

Facing the growth characteristics of tech companies that are “light assets, high R&D, and heavy innovation,” China Merchants Bank Qingdao Branch leverages digitalization as a foundation to promote financial evaluation from traditional experience to data-driven insights. By building enterprise qualification and credit scoring models and utilizing AI and big data technologies for precise profiling, technological strength and R&D investment become “hard currencies” for financing. The innovative “Sci-Tech Innovation Loan” series, covering Huikang, Kuaidai, and Yidai modes, provides pure credit financing support, enabling tech finance to shift from “having” to “excellent.”

Precise Solutions: Innovative Strategies for Innovative Needs

China Merchants Bank Qingdao Branch accelerates the evolution of tech finance from “single product innovation” to “service matrix breakthrough.” In exploring new models, the branch adopts a “dare to try” attitude to break industry barriers. Recently, the successful implementation of the “Sci-Tech Innovation Fast Loan Scoring Card + Batch Guarantee” mode demonstrates that this innovation is not just a simple product overlay but a combination of “credit + batch guarantee,” extending financial services into traditional credit blind spots under controlled risk conditions, paving a replicable and scalable way to serve tech companies.

In targeted drip-feed services, the branch reconstructs service logic through “data insights.” For high-tech enterprises with academic backgrounds that are “light assets, heavy R&D,” the upgraded “Sci-Tech Talent Loan 2.0” breaks the traditional evaluation system that relies solely on collateral or revenue. For example, a startup founded by a university professor focusing on fuel cells and water electrolysis hydrogen production equipment, the branch uses digital models to precisely profile the company’s technical strength and talent value, enabling a “speedy” approval process within just 8 minutes based on pure credit, ensuring that financial “lifeblood” reaches key points in technological transformation.

Full-Cycle Support: Providing Financial Company on the Growth Path

China Merchants Bank Qingdao Branch adheres to tailored strategies, creating a comprehensive “one-stop” service covering the entire lifecycle from startup to growth and maturity. For early-stage companies, the branch offers account management, settlement, financing, wealth management, and talent retention services through advanced systems like Treasury Management, Salary Pass, Bill Manager, and Guarantee Manager, driven by both “people + digitalization.” With policies like the LuKe Loan subsidy and risk compensation, it accelerates the transformation of scientific and technological achievements; for growth-stage companies, it alleviates financing difficulties through products like Sci-Tech Innovation Loans; for mature companies, leveraging the advantages of “commercial bank + investment bank,” it provides integrated services such as financial advisory, capital connection, cross-border finance, and IPO cultivation, supporting all channels of equity, debt, and loans.

Additionally, focusing on industry chain collaboration, the branch deepens cooperation with leading enterprises and industrial parks, empowering upstream and downstream SMEs through digital supply chain finance. As several companies preparing for IPO successfully list on the capital markets, the branch’s deep “binding” cooperation has gained high recognition from corporate executives, continuously enhancing regional influence.

Ecological Win-Win: Gathering Qingdao’s Strength in Tech Finance

Tech finance is a systemic project. China Merchants Bank Qingdao Branch adheres to platform thinking, actively coordinating with government, industrial parks, and capital markets to jointly build three ecological circles: government-bank, industry, and capital. Through the “Qian Ying Zhan Yi” series of activities supporting pre-IPO companies, over a hundred enterprises have been reached; by anchoring in industrial parks, services are delivered directly to enterprises; and by collaborating with venture capital firms, industry funds, and securities firms, the branch addresses bottlenecks between loans and capital markets, providing full-process support for tech companies to go public. From laboratories to production lines, from incubators to industrial parks, from core enterprises to upstream and downstream micro entities, the branch offers professional, efficient, and warm financial services, precisely nurturing the innovative soil for Qingdao’s modern industrial system. By the end of December 2025, the branch will have served nearly 5,000 tech companies with a total of about 13 billion yuan in tech loans. This is not only an outstanding achievement but also a vivid testament to the mutual efforts of finance and technology.

A relevant leader of China Merchants Bank Qingdao Branch stated that moving forward, the branch will continue to uphold its original mission of serving the real economy, deeply cultivate the main position of tech finance, continuously innovate products, optimize services, and upgrade the ecosystem, contributing to Qingdao’s development as a modern international metropolis with socialist characteristics in the new era and building a national demonstration zone for new industrialization, writing an even more brilliant chapter in the “First Major Article” of “招商银行” (China Merchants Bank). (Wang Ziwen)

Editor: Mu Hao

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