By love-89.com Recently, the “Investment Flow” financial technology service platform, developed by China Construction Bank, was recognized at the 2024 Financial Street Forum annual meeting and was successfully announced during the “Voice of Financial Street” segment. The Financial Street Forum is a national-level, international professional forum, serving as an important platform for the country’s open development. Co-hosted by the Beijing Municipal Government, the People’s Bank of China, the National Financial Regulatory Administration, the China Securities Regulatory Commission, Xinhua News Agency, and the State Administration of Foreign Exchange, the forum showcased over 70 achievements, with the “Investment Flow” platform emerging as one of the top ten results recognized at the closing ceremony.
In response to the common challenges faced by technology innovation companies, such as difficulties in assessments and limited product offerings, China Construction Bank has targeted the “light asset, heavy equity” characteristics of these enterprises. The bank established the “Investment Flow” platform to integrate equity investment concepts into its credit culture, paving new pathways for financial support of technological innovation. The platform addresses key pain points by focusing on innovative evaluation, professional references, quantitative analysis, precise matching, and the integration of business and investment. By leveraging hybrid financing options, it aims to tackle the limitations of traditional credit financing and equity financing. The platform offers a series of innovative solutions, including big data evaluation models, unique labeling sequences, multi-scenario toolkits, cloud service systems, technology financing, government services, venture capital empowerment, and rural revitalization projects, serving over 8 million technology innovation enterprises while enhancing their access to and convenience of financing from multiple perspectives.
At the core of the “Investment Flow” platform is a differentiated evaluation for technology innovation enterprises, complemented by support tools for enterprise rating, product quotas, credit enhancement, and risk management. It also fills a market gap by providing a product line with credit limits between 10 million to 30 million yuan, catering to the integrated financing needs of enterprises across different markets.
The “Investment Flow” platform is one of the key outcomes of China Construction Bank’s participation in the national pilot project for assessing scientific and technological achievements. Looking ahead, the bank aims to continue its commitment to an “integrated business and investment banking” model, underpinned by a comprehensive technology finance service system and the VALUE service system, as well as a collaborative development strategy centered around equity, loans, and debt protection. These efforts are designed to build a financial service framework that aligns with the development of new productive forces, thereby providing robust support for cultivating new momentum and advantages in development.