南方周末新金融研究中心发布2026年银行业科技金融测评结果，覆盖58家商业银行1。测评显示，中国银行、工商银行、招商银行和农业银行位列第一梯队1，其中招商银行服务科技类企业客户数达37.83万户，获11位专家一致认可1；兴业银行科技金融贷款余额1.24万亿元，广义融资余额2.40万亿元1。6家国有大行平均得分46.47分，明显领先11家股份制银行的30.07分、29家城商行的21.49分和12家农商行的22.89分1。
差距正在缩小1。国有大行与城商行的平均分差由30.56分缩至24.98分，与股份制银行的分差由19.93分缩至16.40分1。股份制银行通过专业化组织和差异化产品创新开辟突破口，区域银行则依托本地产业深度嵌入形成特色1。国有大行在资源协同和客户承载力上领先，但面临资源向下传导不足的挑战1。
整体而言，科技金融市场保持增长势头。上半年高新技术企业和科技型中小企业本外币贷款余额分别为21.53万亿元和4.15万亿元，同比增速近15%和超20%1。科技创新和技术改造再贷款额度加码至1.2万亿元，扩展至电子信息、人工智能等14个重点领域1。然而，种子期、孵化期、早期中试阶段硬科技企业尤其是实验室初创项目仍缺乏适配资金，供需错位根源在于风险收益不对称1。测评揭示科技金融从增量扩面阶段进入精准适配阶段1。
The Southern Weekly New Finance Research Center released its 2026 evaluation of banks' technology finance capabilities, assessing 58 commercial banks across China 1. The assessment reveals a competitive landscape where state-owned giants maintain structural advantages while joint-stock and regional banks pursue targeted breakthroughs in specialized niches.
Four banks achieved the highest tier of performance: Bank of China, Industrial and Commercial Bank of China, China Merchants Bank, and Agricultural Bank of China 1. State-owned banks demonstrated superior resource coordination and customer capacity, yet face challenges in channeling resources downstream 1. Among China's six state-owned banks, the average score reached 46.47 points, compared to 30.07 points for 11 joint-stock banks, 21.49 points for 29 city commercial banks, and 22.89 points for 12 rural commercial banks 1. The performance gap between state-owned institutions and city commercial banks narrowed from 30.56 points to 24.98 points, while the spread with joint-stock banks compressed from 19.93 points to 16.40 points 1.
Joint-stock banks have carved out competitive positions through specialized organization structures and differentiated product innovation 1. China Merchants Bank leads in serving technology enterprises, with 378,300 corporate clients in the tech sector and recognition from eleven expert panelists 1, while Industrial Bank reported technology finance loan balances of 1.24 trillion yuan and broader financing balances of 2.40 trillion yuan 1. Regional banks have developed distinctive capabilities by embedding themselves deeply within local industrial ecosystems 1.
The assessment indicates that China's technology finance sector has progressed from a phase of rapid expansion into one requiring precise alignment between capital supply and enterprise needs 1. High-tech enterprises and technology-focused small and medium enterprises recorded loan balances of 21.53 trillion yuan and 4.15 trillion yuan respectively in the first half of the year, with year-over-year growth rates near 15 percent and exceeding 20 percent 1. The government expanded support through science and technology innovation and technical transformation relending, increasing the facility to 1.2 trillion yuan and broadening eligible sectors to fourteen priority areas including electronic information and artificial intelligence 1. Despite these efforts, a persistent funding gap remains for seed-stage and early-incubation hardtech enterprises, particularly laboratory startups, where misalignment between risk and return continues to limit capital access 1.
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