From "A Pool of Living Water" to "An Ecosystem," Jiangsu Bank Nanjing Branch vigorously cultivates Nanjing's sci-tech innovation "forest."

(Source: Nanjing Morning Post)

Transferred from: Nanjing Morning Post

 Finance, as the lifeblood of the real economy, has become a focal point of attention during the 2026 National Two Sessions, particularly regarding how to further innovate financial technology services. According to reports, in recent years, Jiangsu Bank Nanjing Branch has seized the opportunity presented by Nanjing's approval to establish a national-level financial reform pilot zone for science and technology innovation. Under the guidance of its head office, the branch has actively implemented the decisions and deployments of the Nanjing Municipal Party Committee and Government, continuously improving the technology financial service system, and injecting a steady stream of financial resources into local technology innovation enterprises. It is reported that as of now, the bank has served over 3,400 technology enterprises, with a technology loan balance exceeding 20 billion yuan, covering more than half of the city's key specialized and innovative firms. With solid and innovative financial services, it has robustly supported the transformation and upgrading of the local technology industry, becoming an important financial force in promoting Nanjing to build a globally influential industrial technology innovation center.

Responding with achievements

Comprehensive improvement of technology financial service quality and efficiency

Recently, the results of the "Financial Benefits for the People and Enterprises (Technology Financial)" labor competition held jointly by the Jiangsu Provincial Branch of the People's Bank of China, the Nanjing Municipal Financial Office, and other departments were announced, with Jiangsu Bank Nanjing Branch receiving a first prize. Among 67 participating projects submitted by 46 financial institutions, all three innovative projects submitted by the branch won awards, with the number of awards ranking first in the city.

Among them, the "Jiangsu Silver Technology Innovation Financial Service Plan" won the first prize for institutional innovation, constructing a closed loop of full lifecycle technology financial services through four service models and six guarantee systems, effectively solving the financing difficulties of light asset technology enterprises. The "National University Regional Technology Transfer and Transformation Center (Jiangsu) Nanjing Bearing Area Service Plan" won the second prize for service product innovation, pioneering the "Results Transformation Loan," launching the "loan upon signing, loan upon disbursement, and loan upon investment" model, which has provided credit support for 11 university transformation projects, including organ chips from Southeast University. The "4266 Industry Customer Group Digital Operation" won the third prize for service technology innovation, achieving precise profiling and intelligent risk control of industry customer groups through digital means, comprehensively enhancing the quality and efficiency of technology financial services.

Behind the honor lies solid service effectiveness. In recent years, the bank has deeply integrated into the construction of the national-level technology financial reform pilot zone, using financial resources to nourish technology innovation, with solid and impressive service results. For example, it has launched 12 distinctive products, including "4266 Industry Loan," and realized the first national technology transformation loan and 15 first-instance businesses, with its product system increasingly improving. Additionally, it has received honors such as "Excellent" in the People's Bank of China’s service evaluation of technology innovation, first prize in the "Entrepreneur Jiangsu" technology entrepreneurship competition, and recognition as a "Meritorious Unit" in the financial industry's contribution to developing new productive forces, continuously enhancing its brand influence.

A relevant person in charge of the bank stated that it will use these honors as a new starting point, providing higher quality financial services to assist in the transformation of technological achievements.

With professional judgment

Policy dividends reach micro and small enterprises directly

Jiangsu Bank Nanjing Branch closely follows policy guidance, empowering industries with technology and bringing services closer to enterprises, launching a series of pragmatic actions.

Recently, the Ministry of Finance, the Ministry of Industry and Information Technology, the People's Bank of China, and the Financial Regulatory Administration jointly issued a notice on implementing a special guarantee plan for private investment, established by the National Guarantee Fund with a total scale of 500 billion yuan, focusing on supporting micro, small, and medium-sized enterprises in obtaining medium- and long-term loans, expanding new scenarios, and exploring innovations. After the policy was implemented, Jiangsu Bank Nanjing Branch quickly acted, closely coordinating with Jiangsu Credit Insurance Group, Nanjing Technology Innovation Guarantee, and other institutions to jointly promote the rapid landing of the first batch of projects.

Recently, after precisely assessing the financing needs of enterprises, the bank successfully landed the first "Private Investment Special Guarantee Plan" business in Nanjing, providing 3.5 million yuan in financing support for a local technology enterprise, assisting it in completing equipment procurement, achieving technological upgrades, and increasing production capacity. Leveraging the special guarantee policy, the bank assisted the enterprise in obtaining credit with a 0.2% ultra-low annual guarantee fee rate over a three-year medium- and long-term guarantee period, effectively delivering policy dividends to technology-oriented micro and small enterprises and aiding them in increasing capital and expanding production, thus activating the endogenous driving force of private capital.

With time refining

"Financial resources" nourish the "little giants"

In this year's Jiangsu Province Urban Football League micro and small enterprise business selection lottery event, Jiangsu Bank Nanjing Branch's long-term partner—Nanjing Jingyao Intelligent Technology Co., Ltd. successfully won the lottery and will soon shine on the "Super League" stage. This chapter of bank-enterprise cooperation began in 2016.

Ten years ago, Jingyao Technology faced the challenge of high R&D investment and financing difficulties due to light assets and lack of collateral. Jiangsu Bank Nanjing Branch thoroughly assessed the situation and provided financial support through the "Jiangsu Technology Loan." This "first bucket of gold" was timely, laying a solid foundation for Jingyao Technology's deep exploration in the fields of machine vision and intelligent robotics. Thus began a decade-long relationship between the bank and the enterprise.

From the timely help of the "Jiangsu Technology Loan" to the now tailor-made specialized loans for innovative enterprises, the bank's increase in credit limits for the company demonstrates Jingyao Technology's perfect transformation from a "potential stock" to an "industry star"—from initially exploring in the laboratory to now growing into a national-level specialized and innovative "little giant" and a national high-tech enterprise.

Over the past decade, Jingyao Technology has deeply engaged in the field of automatic inspection in rail transit. Just during this year's Spring Festival travel season, in railway maintenance depots in Guangzhou, Kunming, and Nanjing, Jingyao Technology's wheeled intelligent inspection robots flexibly navigate through narrow spaces, conducting millimeter-level detections of key components in trains, ensuring the safe journeys of millions of travelers. Additionally, not long ago, Jingyao Technology signed a strategic cooperation agreement with the globally renowned robotics company Yushu Technology, jointly creating an intelligent solution integrating "robotics + AI + industry scenarios," promoting the digital transformation of key national fields such as rail transit and energy power.

A relevant person in charge of Jiangsu Bank Nanjing Branch stated that the bank always adheres to empowering technology-oriented micro and small enterprises with financial strength. It is also honored to accompany companies like Jingyao Technology, witnessing their growth from "seeds" to "giants."

Reconstructing with strength

Customizing a new ecosystem for OPC "one-person companies"

On the road of advancing together, innovation is the core driving force of technology finance. As AI begins to redefine organizational boundaries, "one-person companies" (OPC) are becoming the most dynamic units in the digital economy. Supported by AI agents, a single person assumes multiple roles, including founder, operator, finance, and sales. Facing this new group of light asset, unsecured, and high-growth entities, Jiangsu Bank Nanjing Branch has stepped out of traditional credit thinking and innovatively constructed a comprehensive financial service plan suitable for "super individuals." Centered on the "Jiangsu Silver Financial Manager" digital operation platform, the bank integrates account management, payment settlement, and financing support into one, forming a full-cycle support system. Here, industry trends, core technologies, and order information are transformed into credit basis— the bank's launched OPC exclusive financing products realize instant approval and flexible borrowing and repayment, truly allowing technology to generate credit and credit to convert into funds.

Mengdandang (Nanjing) Co., Ltd. has become the first beneficiary of this model in the Nanjing area. As a typical knowledge service and digital content OPC enterprise within the AI ecosystem, Mengdandang has long faced operational challenges such as high-frequency small settlements, financial accounting outsourcing, and difficulties in financing due to light assets. As its technical accumulation in the application of AI large models gradually deepens, the team successfully entered a scientific research software development project, achieving revenue breakthroughs. However, business needs such as technology upgrades, team expansion, and data collection have also created a more urgent funding gap.

In response to the company's actual needs, Jiangsu Bank Nanjing Branch established a dedicated service team with Jiangsu Province Technology Financing Guarantee Co., Ltd., opening a green approval channel focused on its technology innovation attributes, using the "five-dimensional profiling" credit model and the "Jiangsu Innovation Points Guarantee" evaluation model to achieve instant approval and guarantee. In just five working days, the entire process of business acceptance, material review, guarantee issuance, and loan disbursement was completed. In the future, the two financial institutions will also launch a replicable exclusive financial service model for OPCs, jointly aiding in the cultivation of intelligent new business formats.

A relevant person in charge of the bank stated: "We have seen Mengdandang's innovative vitality and product market potential, and we also realize that OPCs, as an emerging entrepreneurial form in the AI era, urgently need a customized financial service system. This first deal's landing reflects our patience and determination to 'invest early, invest small, and invest in hard technology,' illuminating the path for AI entrepreneurs who are 'one-person armies' in new business formats."

Looking to the future, Jiangsu Bank Nanjing Branch will continue to adhere to its original intention of serving the real economy, constantly improving the technology financial service system, deepening multi-party collaboration among banks, governments, guarantees, and enterprises, injecting financial resources more precisely into the front lines of technology innovation, empowering enterprises to "accelerate," and injecting strong financial momentum into Nanjing's solid promotion of deep integration of technological innovation and industrial innovation.

Intern Reporter Li Jixin 

Nanjing Morning Post / Love Nanjing Reporter Zhong Min 

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