Shulou(Shulou.com)11/24 Report--

The Fifth Bund Financial Summit with the theme of "China and the World on a New Journey: recovery and Challenge" was held in Shanghai on September 22-24, 2023. During the summit, the results of the eighth Rongcheng Cup Financial Science and Technology Innovation case selection were officially announced. Ping an Bank Digital Investment Bank Science and Technology Innovation Enterprise Service Program (hereinafter referred to as Digital Investment Bank) won the honor for its innovative services to science and technology start-up enterprises and PE / VC institutions.

This case selection is jointly sponsored by the New Financial Alliance (NFA) and the City, with academic support provided by the China Financial Forty people Forum (CF40) and the Digital Finance Research Center of Peking University. A total of more than 80 cases were received. After primary selection, re-selection and final defense, 10 excellent cases were selected to highlight the cutting-edge trend of the application and development of financial technology.

The digital investment bank of Ping an Bank provides comprehensive and innovative financial products and services around the life cycle needs of the ecosphere clientele. Through the new industrial interconnection model of "commercial bank + investment bank + investment + industry", the development pattern of small and medium-sized enterprises with "policy for development, carrier for entrepreneurship, platform for service, financing channel and echelon for growth" will be formed to provide a solid guarantee for the high-quality development of scientific and technological innovation.

Based on the pain point of industry development, innovating the financial service model of science and technology

The report of the party Congress pointed out that high-quality development is the primary task of building a modern socialist country in an all-round way, and we must insist that science and technology is the primary productive force, talent is the first resource, and innovation is the first driving force. we will thoroughly implement the strategy of rejuvenating the country through science and education, the strategy of strengthening the country with talents, and the strategy of innovation-driven development. Scientific and technological enterprises have become a new force in the development of the real economy, and the backbone of stable economy, stable growth and stable employment. at the same time, they also have the inherent characteristics of "two high and one light", that is, high-tech investment, high talent investment and light assets. it is easy to be constrained by the difficulty and high cost of financing.

Compared with traditional enterprises, scientific and technological enterprises invest more in technology and product research and development, have a longer cycle, have slower capital recovery, and need a more open financial system to obtain adequate capital supply. In terms of equity financing, there are some problems, such as information asymmetry, difficult demand matching and so on. In terms of debt financing, the profit data of small and medium-sized enterprises created by science and technology are not necessarily eye-catching, and there is no traditional collateral such as plant and equipment, so it is difficult to meet the financing requirements of financial institutions.

To this end, Ping an Bank fully combs the resources and advantages of Ping an Group, government agencies, investment institutions (PE / VC) and industry-university-research institutions, gives full play to Ping an Group's financial and technological capabilities, constructs a "digital investment bank" ecosystem, integrates equity investment and commercial banking business, and provides comprehensive and effective services for the majority of scientific and technological enterprises.

First, based on the comprehensive financial advantages of Ping an Group, we cooperate with the professional subsidiaries of the Group to provide one-stop "comprehensive finance + science and technology services" for science and technology enterprises. For example, in the process of landing investment and loan linkage service, link the funds of private bank customers and Ping an Investment related subsidiaries for equity investment, quickly connect the relevant capabilities, and empower the science and technology to create the ecosystem.

The second is to give full play to the advantages of resources to connect industry and capital, establish a platform for exchanges between scientific and technological enterprises and investment institutions, and find projects and funds for investment institutions by holding industrial private meetings, project roadshows and other forms. At present, it has provided communication opportunities for more than 100 scientific and technological enterprises, covering mainstream tracks such as biology, aerospace and aviation, and high-end manufacturing, and has formed a good interactive relationship with investment institutions, scientific research institutions, and government agencies.

In-depth research on key technologies and cooperation with intelligent tools

In order to better support the development of scientific and technological enterprises, Ping an Bank continues to invest, combined with R & D and its own industry accumulation, self-developed digital investment system, enterprise growth evaluation system, and innovatively output through the system, cut into cooperation with investment institutions, scientific and technological enterprises and other customer groups.

Around the whole life cycle of private equity placement, investment, management and withdrawal, the digital investment system constructs an online management system to enable customers to operate digitally. at present, it has been connected to the digital financial system of Ping an Bank to serve the integration of customers' output of industry and money. it can also help PE / VC pre-investment project selection and government gradient cultivation through the enterprise growth evaluation system.

Relying on the massive underlying data inside and outside the bank, the ability of big data of Ping an Bank and the opinions of more than 50 senior experts inside and outside the bank, the enterprise growth evaluation system adopts AHP scientific scoring model to comprehensively evaluate enterprise growth from five dimensions, namely, operational stability, technological advancement, national recognition, capital recognition and talent building ability, and a total of more than 30 model parameters. To provide customers with accurate corporate portraits and scientific growth scores.

At present, with the help of science and technology resources inside and outside the bank, digital investment banks integrate and analyze the data of the primary equity market, achieve accurate portraits of private equity participants, and form the three unique databases of Ping an Bank, namely, LP database (capital side), GP database (investor side) and enterprise database (project side). Up to now, it has been stored in more than 7800 LP,800, more than GP,300 investment pedigree and more than 200 financing projects.

Since the launch of digital investment banking, Ping an Bank has established partnerships with more than 200 head market-oriented investment institutions and more than 30 local governments to provide financial services to more than 1200 small enterprises. In the future, Ping an Bank will continue to enhance its comprehensive financial strength and scientific and technological strength, and continue to inject financial "living water" into the development of the real economy through digital investment banks.

Welcome to subscribe "Shulou Technology Information " to get latest news, interesting things and hot topics in the IT industry, and controls the hottest and latest Internet news, technology news and IT industry trends.