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the third plenary session of the 20th cpc central committee clearly emphasized the need to build a science and technology financial system that is compatible with scientific and technological innovation, strengthen financial support for major national scientific and technological tasks and technology-based small and medium-sized enterprises, and improve support policies for long-term capital investment in early, small, long-term, and hard technology.

as an important part of the financial system, commercial banks play a key role in supporting technological innovation. in order to better implement the spirit of the third plenary session of the 18th cpc central committee, commercial banks need to follow the development trend of technological innovation, enhance their ability to undertake responsibilities and cope with challenges through transformation and upgrading, and better serve the real economy and national strategic needs.

china's practice and typical cases of commercial banks serving technological innovation

technological innovation has always been at the core of national development, and commercial banks have made an indelible contribution to improving technological innovation capabilities. this is mainly because commercial banks can provide financial support and professional services to technology-based innovative enterprises, and most of them adopt the dominant business model of equity investment.

from the origin, commercial bank equity investment emerged on a large scale in the united states in the 1980s. although the practices of various commercial banks are slightly different, according to the successful equity investment experience of many internationally renowned financial institutions such as citigroup, goldman sachs group, and jpmorgan chase, efficient demonstration of investment strategies, unique risk control strategies, professional operations, integrated financial services, investment-loan linkage models, flexible and diverse exit mechanisms, and technology-enabled services are the main conditions to ensure that commercial banks provide high-quality services for technological innovation. among them, the four most important aspects are.