As Beijing Gerui Technology Co., Ltd. (hereinafter referred to as "Gerui Technology")'s intelligent medical devices precisely safeguard life and health, China Merchants Bank Beijing Branch's financial services are providing professional and compassionate support for this innovation. Recently, a reporter from the Financial Times followed China Merchants Bank Beijing Branch's "Shining Future, Innovative Solutions" event to visit Gerui Technology, an innovative benchmark enterprise in the field of high-end medical equipment. Through on-site visits and in-depth exchanges, a vivid picture of the deep integration of "hard medical engineering technology + soft financial power" was revealed.
Breaking with convention and reshaping the logic of financing
If you understand that in real clinical settings, doctors have to go through a long period of technical accumulation, wear 40-kilogram lead aprons to perform surgeries for four or five hours continuously in a radiation environment, and overcome the hidden dangers such as tremors caused by physical exhaustion, you can deeply understand the urgency of developing an intelligent medical device that can assist the entire process, is high-definition and high-precision, and has low radiation and low noise.
GERE Technology, a company established only four years ago, has successfully launched several globally innovative products, including the "Newton" intelligent composite endoscopic minimally invasive surgical robot, the "Newton 3D" series of all-electric 8-axis intelligent 3D imaging robots, and the "Newton Vascular" intelligent suspension interventional imaging system, thanks to its rapid iteration of R&D capabilities and strong commercialization capabilities. These products have reshaped the diagnosis and treatment model with a number of disruptive technologies, laying a solid foundation for the breakthrough of domestic medical equipment.
Understanding such innovative enterprises requires financial institutions to move beyond traditional financial assessments. A representative from the Beijing Jiuxianqiao Science and Technology Finance Branch of China Merchants Bank explained that, targeting the core attributes and growth stages of science and technology innovation companies like Gerui Technology—characterized by "high R&D and cutting-edge technology"—China Merchants Bank's Beijing branch has broken away from traditional lending practices that focus on financial indicators such as revenue, scale, and profitability. Instead, they launched the "Zhaojin Loan" product, adopting an investment perspective that focuses more on the company's core technological strength and the talent background of its team, comprehensively assessing the credit line. This innovative measure addresses the industry pain point of early-stage financing difficulties for science and technology innovation companies, injecting continuous and stable financial support into Gerui Technology's technological R&D, product iteration, and market expansion.
In 2022, Goertek was entering a critical growth phase of technological advancement and capacity expansion, facing the resource and pace adjustment needs common in the development process. At this crucial stage, China Merchants Bank Beijing Branch, with its professional financial services capabilities and efficient response mechanism, provided timely and strong financing support to the company, helping it smoothly advance its strategic planning and demonstrating its sincere commitment to supporting growing enterprises. A Goertek representative, reflecting on this cooperation, stated, "China Merchants Bank's support at this critical moment not only addressed our immediate needs but also reflected its understanding and trust in innovative enterprises. This partnership, where we move forward side-by-side, has instilled continuous confidence in our future development."
From single-point breakthroughs to ecosystem empowerment, China Merchants Bank Beijing Branch's support for hard technology companies extends beyond individual cases, forming a replicable and scalable systematic service capability. Targeting the core characteristics and differentiated needs of science and technology innovation enterprises, China Merchants Bank Beijing Branch has created "two special projects" and "five strategies" for science and technology innovation financing products, forming a comprehensive and multi-layered financing support matrix. The "two special projects" are the Little Giant Project and the Beijing Specialized, Refined, and Innovative SME Project; the "five strategies" are Zhaojin Loan, Zhaochuang Loan, Zhaoqi Loan, Zhaojie Loan, and Zhaobao Loan, covering various credit enhancement methods such as credit, mortgage, and guarantee. Based on big data and standardized models, most products can be applied for online with convenient processes. In 2024 and the first half of 2025, the bank ranked first among joint-stock banks in Beijing in terms of loan balance and number of borrowers for technology-based enterprises, injecting momentum into the development of hard technology companies with its strong financial strength.
Join hands to build an innovation ecosystem
With the support of long-term partners like China Merchants Bank, Goertek continues to focus on R&D innovation and technological breakthroughs, fully promoting product iteration and core capability building. Currently, many of Goertek's products have not only achieved international firsts but also surpassed international brands in several core performance aspects, establishing independent competitiveness in domestically produced high-end medical equipment. From its initial startup phase to technological breakthroughs, and then to product launch and iteration, Goertek's steady growth demonstrates the "full-cycle support" service concept practiced by China Merchants Bank as a long-term partner. It is reported that the company has successfully completed multiple rounds of financing, continuously gaining recognition from the capital market, and its future development prospects are highly anticipated.
As corporate financing processes progress, China Merchants Bank's service offerings are continuously being deepened. In addition to basic financing support, the bank also connects companies with industry resources through its "Project Circle" platform. Currently, the platform has attracted over 1,200 investment institutions and more than 4,000 investment managers, regularly organizing roadshows and matchmaking events to bridge the "last mile" of capital access for businesses.
It is understood that the founder of Gerui Technology graduated from Tsinghua University. China Merchants Bank pays close attention to and provides customized support to this type of entrepreneurial force that relies on top universities for training and has both solid industrialization capabilities and a global vision.
According to a relevant person in charge of the Inclusive Finance Department of China Merchants Bank Beijing Branch, in order to further support the transformation of scientific research results, China Merchants Bank has also launched the "Talent Loan" product. This product is mainly aimed at professors and experts from universities and research institutes who are starting businesses. Even if the company is not profitable yet, as long as it has been established for a full year, it can provide support of up to 5 million yuan, effectively solving the financing difficulties of scientific researchers in the early stage of starting a business.
From "Zhaojin Loan" to alleviate the difficulties of start-up businesses, to "Project Circle" to build a bridge for capital docking, and then to "Talent Loan" to help scientific research results take root, China Merchants Bank Beijing Branch has written a vivid footnote on the integration of "technology + finance" with financial innovation as its pen and full-cycle support as its ink.
A relevant person in charge of the Inclusive Finance Department of China Merchants Bank Beijing Branch said that in the future, the bank will continue to iterate its financial products and service models, so that good services and products can cover more science and technology innovation entities, use the "soft power" of finance to support the "hard power" of science and technology, and contribute China Merchants Bank's strength and write a chapter of symbiosis on the road to domestic substitution and the journey of building a strong country in science and technology.
