Bank of Tianjin / Bohai Bank are friendly to local SMEs. Social insurance rate ~38%, minimum base approximately ¥5,000/month. Binhai New Area has additional tax rebate policies.
30 minutes by HSR to Beijing means you can access Beijing's talent and resources — but it also means Tianjin's own high-quality talent gets siphoned off by Beijing. Operating an OPC in Tianjin requires accepting the reality of 'senior talent from Beijing remotely, junior talent locally in Tianjin'.
Tianjin's government service digitalization is above average nationally, but traditional bureaucratic culture still has inertia. Approval processes for specific industry permits (chemicals, manufacturing, food) may take 2-3x longer than in Shenzhen. Allow extra time.
Tianjin's strength industries are chemicals, precision instruments, advanced manufacturing, and port logistics — not the internet. If your OPC is internet/e-commerce focused, Beijing or Hangzhou are more suitable. But if you're in precision instruments or chemical-related hard tech, Tianjin has a complete supply chain.