The 2026 semi-annual reports of 42 A-share listed banks show that in the first half of the year, technology finance was still a key layout area for major commercial banks such as major state-owned banks and stock banks. Taken together, the technology finance market has now formed a hierarchical pattern of “major state-owned banks with ballast support, flexible breakthroughs in stock bank mechanisms, and deep cultivation of leading urban commercial banks”. Judging from the trend, banks are shifting from simple credit investment to integrated financial services to open up the financial chain of technology enterprises throughout the life cycle. Technology finance in the banking sector is also moving from scale expansion to a new stage of improving quality and efficiency.

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