The Shanghai banking industry must cultivate and build a large number of technological branches, which has made it clear

Recently, the Shanghai Supervision Bureau of the State Administration of Financial Supervision and Administration issued the "Notice on the Opinions on Gradient Cultivation and Improvement of the Professional Capacity of Science and Technology Finance of Shanghai Banking Technology Branches" to encourage banking institutions within Shanghai's jurisdiction to deepen the professional development of science and technology finance and actively participate in the innovation ecosystem. Construction, effectively improve the level of banking institutions serving the real economy, and further support Shanghai in building a technological innovation center with global influence.

The "Notice" clarifies the goal of building science and technology sub-branches, that is, using about five years to cultivate a batch, establish a new batch, and transform a batch, we will strive to cultivate and build 30 science and technology sub-branches in Shanghai that are recognized by the regulatory authorities and hold financial licenses. , 90 banking institutions independently determined branches with scientific and technological characteristics. The scientific and technological financial franchise system with science and technology branches as the core has made significant breakthroughs. The balance, proportion, and number of customers of science and technology credit have increased year by year, forming a technological branch with scientific and technological characteristics that has a demonstration and leading role. The branch has achieved full coverage of Shanghai’s important scientific and technological innovation areas, functional areas and industrial parks.

After the establishment of the science and technology branch, the construction of various mechanisms and business development will be based on the "four modernizations" operation, and it will play a leading and demonstration effect in the field of science and technology finance in Shanghai. One is professional management. The science and technology branch will be equipped with a professional science and technology finance team, and is encouraged to form a professional research team and carry out regular industry research; it can combine the characteristics of the industries served by the science and technology branch and the development of the science and technology branch, and maintain appropriate stability of the person in charge in accordance with relevant regulations. The second is characteristic development. The Science and Technology Sub-branch will further explore implementation mechanism and model innovation, encourage the establishment of exclusive evaluation standards for science and technology financial business, and support the coordinated development of Shanghai's key science and technology industry chains and the progress of core technology research and development. The third is systematic operation. The Science and Technology Branch will establish a diversified cooperation platform with relevant external institutions to provide full-cycle, multi-level, differentiated empowering value-added services to technology-based enterprise customers; encourage the planning of effective talent training plans, and create continuous training and seminars , mentoring, and job rotation mechanisms. The fourth is brand management. The science and technology branch will enhance the soft power of the brand, give priority to the application of science and technology financial reform experimental innovation policies and pilot innovative products, and form a number of key service projects for innovative demonstration technology enterprises, a number of special service projects for specialized new enterprises, and a number of intellectual property financing Applied services.

The Shanghai Supervision Bureau of the State Administration of Financial Supervision and Administration will help the science and technology branch to develop in a standardized and sustainable manner by establishing a "three modernization" supporting mechanism. The first is diversified assessment. Based on the characteristics of the professional capacity allocation of science and technology finance of banking institutions within the jurisdiction of Shanghai, as well as the differences in financial service needs of various science and technology parks/agglomeration areas, comprehensive management branches and single operating outlets will be further distinguished, and appropriately differentiated assessment plans will be adopted respectively. The second is differentiated supervision. Combined with the current promotion of science and technology finance, the "96" assessment model is established using a combination of qualitative and quantitative scoring and comprehensive scoring to more comprehensively reflect the effectiveness of science and technology sub-branches in the field of science and technology finance and allow the diversified development of science and technology sub-branches. The third is continuous management. Establish a continuous management mechanism for science and technology branches and conduct post-evaluation of the science and technology branches of the banks under its jurisdiction. Through differentiated curve evaluation and periodic adjustment, it is ensured that the evaluation of science and technology branches can always be adapted to the current key tasks of science and technology finance and the development of science and technology finance.

In recent years, the credit scale of Shanghai's science and technology enterprises has steadily expanded. At the end of last year, the balance of loans to science and technology enterprises exceeded the one trillion yuan mark, continuously empowering the construction of science and technology innovation centers with financial vitality. As of the end of the first quarter of 2024, the loan balance of Shanghai's science and technology enterprises was 1.16 trillion yuan, a year-on-year increase of 36%; the number of loan households was 33,200, a year-on-year increase of 46%. The balance of loans to specialized, special and new enterprises was 303.908 billion yuan, a year-on-year increase of 45%. The balance of loans to high-tech enterprises was 663.336 billion yuan, a year-on-year increase of 21%. The balance of intellectual property pledge financing loans was 14.427 billion yuan, a year-on-year increase of 90%.