Science and technology are the primary productive forces, and scientific and technological innovation is the first driving force to lead development. The "14th Five-Year Plan" proposes that innovation should be placed at the core of China's overall modernization, and self-reliance in science and technology should be regarded as the strategic support for national development. The Bank of China has implemented the planning requirements, enabling finance to deeply empower science and technology and vigorously promoting the vigorous development of technology and finance. On the occasion of the anniversary of the establishment of Bank of China 1 10, this paper, with the theme of "Technology and Finance", tells the good practice of Shandong Branch of Bank of China to empower technology-based enterprises with financial strength and help the high-quality development of regional economy.

Economic development depends on science and technology, and the development of science and technology industry needs the strong boost of finance. According to the technology and finance Plan of the Bank of China in the Tenth Five-Year Plan, technology and finance refers to a series of financial instruments, financial policies and financial services used for scientific and technological research and development, achievement transformation and industrial growth. Bank of China Shandong Branch (hereinafter referred to as "Bank of China in Shandong") closely focuses on the strategic deployment of the head office, and is committed to becoming a full-factor integrator, a full-chain innovator and a full-cycle service provider of financial support for scientific and technological innovation.

As the longest-running commercial bank in China, China Bank has always taken the development of technology and finance as its own responsibility. In the 1980s. Bank of China loans to support the completion of Furi TV Factory, the first Sino-foreign joint venture in China; In the 1990s, the first Sino-foreign joint-venture Jinwen Railway in China was successfully opened to traffic, which helped the development of science and technology industry in China at that time. In the new era, Bank of China Shandong Branch has made great efforts to improve the service level of scientific and technological innovation enterprises in combination with the development status of the scientific and technological innovation market in Shandong Province. By the end of 20021,the bank had provided credit support to more than 460 science and technology enterprises, with a total loan of more than 20 billion yuan.

Optimize the organization and focus on clusters, and improve the service capacity of science and technology.

With the deepening of the development project of strategic emerging industrial clusters, a number of leading enterprises with international competitiveness and a large number of small and medium-sized enterprises with great development potential have emerged in Shandong Province, and industrial clusters with strong innovation ability and leading and driving ability have achieved remarkable results. Bank of Shandong deeply integrated into the development strategy of strategic emerging industries in Shandong Province during the "14th Five-Year Plan" period, gave full play to the advantages of the Group's comprehensive operation, and focused on supporting key core technologies and "bottleneck" technology enterprises, thus injecting new impetus into enhancing the competitiveness of strategic emerging industries in Shandong Province.

Zhangqiu District of Jinan City is known as the "hometown of forging", and a large number of forging enterprises have gathered in Chengdong Industrial Park, forming an industrial cluster focusing on forging. An energy equipment company in the industrial park is a scientific and technological enterprise with forging as its main business and diversified product management. 202 1, enterprises urgently need loan support to carry out the high-end equipment science and technology industrial park project of nuclear power deep-sea engineering. The Bank of China in Jinan conducted in-depth enterprise research and organized a syndicated loan of 900 million yuan for enterprises at the first time, which eased the urgent needs of enterprises.

At the same time, China Bank continued to optimize the internal and external working mechanisms, set up a special service leading group in technology and finance, established a collaborative working mechanism, and built an all-round differentiated financial service chain for scientific and technological innovation enterprises; Explore the green approval mechanism of science and technology enterprises, give grass-roots organizations more autonomy, and strive to promote science and technology and finance to become bigger and stronger, improve quality and increase efficiency.

Cooperation between banks and governments, integration of resources, and creation of innovation support platform.

For a long time, Shandong Bank of China has been actively docking with the provincial science and technology department and the municipal science and technology bureaus. In June, 20021,10, the bank signed a strategic cooperation agreement with the provincial department of industry and information technology to support "specialized and innovative" SMEs, and joined the Shandong SME investment and financing alliance, and entered the "specialized and innovative" SME credit docking service system of the Ministry of industry and information technology as the first batch of six banks, which was included in the risk compensation system. By the end of 20021,the loan balance of the bank's "specialized innovation" enterprises exceeded 5 billion yuan, with nearly 600 households.

A new material co., ltd in Shandong province is a large local PVC manufacturer. In 20021year, the enterprise won the titles of "Gazelle Enterprise", "Invisible Champion" and "Specialized and Innovative" in Shandong Province with excellent scientific research technology and rich scientific research achievements. Near the end of the year, enterprises have a large number of unfinished orders, and there is a demand for funds when foreign exchange cannot be settled. Weifang Bank of China introduced the preferential policies of the Bank to the enterprise, and finally the enterprise chose Bank of China as the short-term floating loan business, and successfully completed the investment of100000 yuan the day after approval.

Bank of China Shandong Branch actively participated in the first "Leading the Innovation and Entrepreneurship" activity of Shandong Province 20021,gave technical guidance in project evaluation and access, and deeply participated in financing negotiations. Since the launch of the activity, the bank has participated in negotiations with 64 customers and reached a credit intention of 90.7 million yuan.

Focus on full-cycle professional services and fully support the development of science and technology enterprises.

The approval of (Jinan) Science and Technology Innovation Financial Experimental Zone has ushered in a golden opportunity for the development of technology and finance. Shandong Bank carefully studied the overall scheme of the experimental zone, and in view of the key areas and outstanding problems of financial support for scientific and technological innovation, tried first and strengthened financial support for product innovation, system innovation and service innovation of scientific and technological enterprises, and formed the overall scheme of Shandong Bank's service scientific and technological innovation experimental zone.

In the next step, Bank of China Shandong will deeply integrate into Shandong's scientific and technological innovation strategy, further explore new ideas and innovative models, put financial support technology in a more important position, fully promote the integrated development of finance and technology, and contribute to the high-quality economic development of Shandong Province.