Recently, People's Daily Online released the list of innovative practice cases for building a financial powerhouse by 2025, and Bank of China's three cases in fintech, inclusive finance, and digital finance stood out. From BOC's "Cross-border E-Loan" to precisely protect micro and small enterprises, to the first Panda Science and Technology Innovation Bond, and to digital transformation to empower grassroots organizations, Bank of China continues to empower the development of new productive forces through financial innovation and inject surging financial momentum into China's modernization.
The first Panda Science and Technology Innovation Loan in the technology finance sector empowers private enterprises to innovate.
Bank of China is committed to serving the private sector, continuously enriching its financing channels, actively improving the quality and efficiency of its comprehensive services, and supporting the leapfrog development of technology-based private enterprises.
A national first. Seizing the opportunity presented by the implementation of the "Technology Board" policy in the bond market, the Fujian Branch of Bank of China, as the sole lead underwriter, issued RMB 1 billion of technology innovation bonds for Heng'an Group in 2025. This became the first Panda Technology Innovation Bond in the national interbank market, the first technology innovation bond issued by a private enterprise in Fujian, and the first bond issued by a private enterprise under the unified registration (DIF) model for multiple product types in Fujian. Since 2025, the Fujian Branch of Bank of China has underwritten over RMB 5 billion in science and technology innovation bonds, ranking first among its peers in Fujian Province.
A closed-loop service was established. The Fujian Branch of Bank of China assisted Heng'an Group in issuing its second tranche of Panda Technology Innovation Bonds, totaling 700 million yuan, significantly reducing the company's financing costs. Furthermore, focusing on Heng'an Group's core needs for technological research and development and industrial upgrading, the branch innovatively integrated the dual tools of "bond financing + cross-border fund management." Through the "Science and Technology Innovation Panda Bonds," it addressed the long-term funding challenges for private enterprises' technological research and development, and by using a "cross-border RMB two-way fund pool," it cleared the bottlenecks in the domestic and international flow of raised funds, forming an integrated service closed loop of "financing + intellectual support + fund management."
Inclusive finance's "Cross-border E-loan" helps foreign trade move forward steadily.
In the face of the complex situation of changing global economic and trade landscape, Bank of China focuses on the pain points and difficulties of financing for small and micro foreign trade enterprises and launched the BOC Inclusive Finance "Cross-border E-Loan" exclusive service to accurately solve the dilemma of "light assets and difficulty in financing" for small and micro foreign trade enterprises and help enterprises to "go global" more steadily.
Data-driven. Bank of China has deepened its cooperation with the General Administration of Customs, leveraging the "Single Window" cross-border trade big data platform. Using enterprise export customs clearance data as the basis for credit approval, it has launched an online financing product, "Cross-border E-Loan," targeting export-oriented micro and small enterprises, efficiently matching their "short-term, frequent, and urgent" financing needs. This financial approach injects strong momentum into the vigorous development of micro and small foreign trade enterprises, helping them further expand into international markets.
Government-Bank Collaboration: The Dalian Branch of the Bank of China, in conjunction with Dalian Customs, developed the "Customs-Bank Enterprise Support Platform." By sharing information among customs, banks, and enterprises, the platform enables the entire loan process to operate online, reducing the average processing time for each loan to half a day and significantly lowering financing and time costs for businesses. "Cross-border E-Loan," centered on "technology + finance," comprehensively analyzes foreign trade-specific data such as international settlements, income and expenditure declarations, and customs clearance, based on standardized authorization, transforming foreign trade orders into financing support and truly realizing "less legwork for businesses, more data flow."
Digital finance drives digital transformation and stimulates new productivity.
Bank of China Jiangsu Branch focuses on three key areas: building a new type of digital finance talent team, making good use of new production tools, and shaping production relations that adapt to new quality productivity, to promote digital transformation to a higher level.
A panoramic view. A pioneering "1650" industry chain digital customer acquisition "panoramic view" has been launched in China, completing the mapping and profiling of 42 industry chains. As of the end of November 2025, data on 1.0781 million on-chain enterprises has been entered into the database, including 30,400 industry chain credit clients of the Bank of China.
Digital Intelligence Platform. Through a "whitelist + map-based customer acquisition + pre-approval" operating model, a digital intelligence-driven inclusive finance platform has been built. As of the end of November 2025, the system had established 223 customer group topics and a whitelist of 4.6 million customers (including individual business owners), providing precise pre-approved credit lines of 1.3 trillion yuan to 1.6 million of these customers, and disbursing loans of 315.847 billion yuan to 179,200 inclusive finance customers.
Technology empowers. The "Firefly" automated office platform was built to automate report statistics and system operation. 460 self-developed RPA robots have reduced the workload of grassroots staff by more than 800,000 hours. By leveraging technology, high-frequency, mechanical, and low-skill tasks are replaced by robots, which has greatly reduced the workload of grassroots staff.
Bank of China will continue to focus on five key areas, increase support for key sectors, upgrade services, and address urgent development needs, transformation requirements, and corporate expectations, thereby contributing more to high-quality economic and social development.
