Chinese banks are shifting more lending toward technology and innovation firms as Beijing pushes to expand AI across the economy and support semiconductors and advanced manufacturing.
At the National People’s Congress, leaders pledged funding and policy support for these sectors over the next five years.
A state-owned bank official told the lender had prioritised tech financing for new loans and was studying lower-rate credit options for small and micro tech startups.
A joint-stock bank in Jiangsu said it is targeting about 30% growth in new loans to high-tech and innovation companies in 2026.
Analysts warned the shift carries risks as many tech startups have negative operating cash flows and rely on intellectual property rather than tangible collateral.
Originally written by: Diya Lal
Source: Tech In Asia
Published on: 13 March 2026
Link to original article: AI, tech firms see more lending from Chinese banks
