Sebastian Goyon visits a DJI store at APM Mall in Beijing, capital of China, July 2, 2025. [Photo/Xinhua]
Under the guidance of financial regulators, Chinese banks and insurance companies are tailoring services to the needs of technology enterprises, offering targeted solutions such as "loans plus direct equity investment", intellectual property pledge financing, and patent insurance. Commercial banks are accelerating their expansion into tech finance to better serve emerging industries and new business tracks.
Banks now attach far greater importance to tech finance than they did five years ago. Beyond financial indicators, they focus more on a company's growth potential and provide more integrated, diversified services, from traditional loans to financing packages combining equity and debt, said Wang Hua, vice-president of the Hefei branch of China CITIC Bank. Wang added that banks now better understand industrial ecosystems and are more willing to fund small-scale innovators and early-stage startups.
