At the Robot Industry Innovation Achievements and Scenario Applications Exchange Meeting during the 28th China Beijing International High-tech Expo on May 9th, Jia Huayuan, General Manager of the Technology Finance Department at the Beijing Branch of Postal Savings Bank of China Co.,Ltd., detailed the bank's achievements and strategic plans in constructing a comprehensive technology finance service system. Leveraging its robust capital strength, extensive network, systematic expertise, and unique postal finance ecosystem, the Beijing Branch of Postal Savings Bank Of China Co.,Ltd. focuses on addressing the pain points of science and technology innovation enterprises. It continuously iterates its product portfolio, innovates service models, and precisely implements the service philosophy of "investing early, investing small, investing in core technologies, and investing long-term" to fully support the high-quality development of tech enterprises throughout their entire lifecycle. It is reported that based on years of deep experience in serving technology finance, Postal Savings Bank Of China Co.,Ltd. has established the "U Yi Chuang" dedicated technology finance service system. This system constructs a five-in-one product matrix covering "Financing, Investment, Transaction, Wealth, and Intelligence," comprehensively addressing the diverse needs of sci-tech innovation enterprises in capital financing, capital operations, payment and settlement, wealth management, and advisory services. Within the "U Chuang Rong" segment, the bank implements precise strategies for enterprises at their startup, growth, and mature stages. It offers specialized products such as Sci-tech E-loan, Startup Loan, Sci-tech Loan, IPO Loan, and M&A Loan. Notably, the Startup Loan targets early-stage companies with no revenue, utilizing two models—Talent Loan and Bank-Investment Linked Loan—to precisely address financing challenges in early-stage technology commercialization through working capital loans and fixed asset loans. Medium to long-term loans can extend up to 10 years, providing stable, long-term funding for project R&D and capacity expansion. In terms of equity investment empowerment, on March 20, 2026, China Post Financial Capital Investment Company officially commenced operations, having obtained approval to conduct equity investment business. It plans to subsequently establish a private equity subsidiary, focusing on future industries and strategic emerging industries. The company has already executed a 2 billion yuan debt-to-equity swap project for a new energy company, with the first tranche of 800 million yuan already disbursed. Concurrently, by leveraging platforms such as China Post Securities, China Post Insurance, and China Post Wealth Management, the bank is building a "Five-Pronged Synergy, Industry-Finance Integration" postal finance ecosystem. It collaborates with national-level industrial funds worth hundreds of billions to provide ample equity and debt capital support for the sci-tech innovation sector. Furthermore, the Beijing Branch of Postal Savings Bank Of China Co.,Ltd. enhances its offerings with diverse value-added services. Relying on a strong R&D team, it developed the "Postal Bank Wealth Management" system. This includes "Easy Enterprise Management," a one-stop digital operation and management SaaS platform for SMEs, integrating nine core functions such as Easy Office, Easy Finance & Tax, Easy Payroll, Easy Operations, Easy Invoicing, and Easy Procurement. It provides sci-tech innovation enterprises with free, full-chain digital management tools covering "personnel, finance, assets, production, supply, and sales," helping startups reduce costs and increase efficiency. The branch also establishes investment and financing think tanks, business matching platforms, and industry consulting services, collaborating with government departments, industrial funds, and venture capital institutions to create a sci-tech finance ecosystem. Currently, the Beijing Branch has formed a new technology finance landscape focusing on integrated circuits and semiconductors, new-generation information technology and artificial intelligence, new energy and new energy storage, and low-altitude economy and commercial aerospace. It has assisted multiple tech companies across various fields in transforming their scientific and technological achievements and successfully accessing the capital market. Additionally, the Beijing Branch of Postal Savings Bank Of China Co.,Ltd. has established multiple sci-tech innovation roadshow centers, auditoriums, and live streaming studios at locations including the Beijing PSBC Building Sub-center and the Jianguomen Private Banking Center, providing venue support for tech companies for roadshows, business matchmaking, and conference exchanges. In the future, Postal Savings Bank Of China Co.,Ltd. will continue to deepen its focus on the technology finance sector, continually improving its full-cycle, comprehensive, and ecosystem-based technology finance service system. It aims to precisely channel a "package" of financial resources to nurture the sci-tech innovation industry, serving as a steadfast guardian on the growth journey of technology enterprises.
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