Abstract: At present, it is hard for minor enterprises to get external financing. The approval system of stock market has narrow benefits. Entrepreneurship venture capital is only at its early stages of development.Banking institution afford large amount of credit, but it doesn't serve well to the minor enterprises. Under the situation of fast development of strategic emerging industries and the diversity of modern conmercial banks, some bank institutions starts to innovate their business model. As a result, technology banks appear. They strive to afford minor enterprises professional financing services. This article sets Hang Zhou technology bank as an example. Basing on analysis of its innovative business model, this article gives suggestions on how to develop China's technology banks.