Since the 18th National Congress of the Communist Party of China,the Party Central Committee with Comrade Xi Jinping as the core has placed scientific and technological innovation at the core of the overall national development.General Secretary Xi Jinping has emphasized that the key to Chinese-style modernization lies in scientific and technological modernization,which requires promoting a virtuous cycle of"technology-industry-finance"and accelerating the achievement of high-level technological self-reliance and self-strengthening.In the 2023 Central Economic Work Conference,it was proposed to"focus on five major areas",with technology finance ranking first.As the representatives of new productive forces,technological enterprises require increased financial support,which is not only an important guarantee for supporting Chinese-style modernization through technological modernization,but also a core element of building a financial power.However,for a long time,finance,especially commercial banks,have faced many practical challenges in supporting the virtuous cycle of"technology-industry-finance".The root cause lies in the mismatch between the financial services provided by the financial system and the financing needs of technological enterprises.This article analyzes the business strategies and effectiveness of the technology finance business of three typical listed banks,summarizing the shortcomings of commercial banks in areas such as risk assessment,professional capabilities,institutional mechanisms,and ecosystem cooperation.In the next step,commercial banks should focus on enhancing their ability to serve technology and industry,especially in terms of operational capabilities,gradient financing,and financial technology,to effectively support the virtuous cycle of"technology-industry-finance".
NETL
NSTL
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