Shandong Bank's technology loan balance exceeds 150 billion yuan

This article is republished from: Jinan Daily

News report: (Reporter Zhou Fang) Recently, data released by the Bank of China Shandong Branch showed that as of the end of 2025, the branch’s science and technology loan balance exceeded 150 billion yuan, up by 55.9 billion yuan from the beginning of the year, with a growth rate of 59.55%. It has served more than 7,300 technology-based enterprises, up by 35.27% from the beginning of the year. This is the latest set of results achieved by the branch since it innovatively implemented the “Science and Technology Finance Full-Cycle Empowerment Project.”

To address the pain points of technology companies—“light assets, difficult collateral, and urgent financing”—Bank of China Shandong has built a dedicated technology-finance arrangement of “2+16+N,” forming a service model of “professional leadership with localized execution.” The science and technology finance center of the provincial branch is responsible for direct tackling efforts for large and mid-sized technology enterprises across the province. The 16 second-tier branches focus on developing local markets. N technology-finance specialty branches move services closer to the front line. Since the center was established, it has approved 120 customers, approved a total of 63 billion yuan, and the non-performing loan rate has remained at zero.

To solve the issues of “difficulty in screening” and “scattered marketing” for technology enterprises, the bank has established a long-term management mechanism for the science and technology finance white list. It selected 202 high-quality companies to be included in the list, covering the province’s major science-and-innovation industrial clusters. As of the end of 2025, 55 white-list customers had been approved, with an approved total of 9.3 billion yuan.

To address the core challenge of “lack of collateral” faced by light-asset enterprises, Bank of China Shandong relies on its cooperation with the Torch Center of the Ministry of Science and Technology and has innovatively developed the “Innovation Points Loan,” quantifying a company’s innovation capability into points and using them as a basis for credit approval, shortening average approval turnaround time by 30%. So far, the product has been approved for 162 enterprises, with an approved total of 13.3 billion yuan.

In terms of investment and loan linkage, Bank of China Shandong successfully promoted the launch of the province’s first registered-and-filed AIC equity investment fund. The fund size is 1 billion yuan, and the first tranche of 100 million yuan has been completed and settled for delivery. Meanwhile, in Jinan, it promoted the registration and filing of a 1 billion-yuan medical innovation guidance fund and a 1 billion-yuan artificial-intelligence integrated circuit fund, providing precise support for the development of key science-and-innovation industries.

A relevant official from Bank of China Shandong said that in the next step, it will continue to align with the development goals of “increasing incremental volume, expanding coverage, and pursuing integrated development,” and will continuously optimize the science-and-technology finance service system, providing strong financial support for Shandong’s effort to build a powerful province for technological innovation.