Qi Lu Wan Bao·2025-06-25 13:46Core Viewpoint - The Bank of Communications Shandong Branch has innovatively developed the "Sci-Tech Qilu Loan" brand to address the financing difficulties faced by technology enterprises, benefiting over 2,000 companies and approving loans exceeding 7 billion yuan within a few months of its launch [1][10]. Group 1: Financial Innovation and Support - The Bank of Communications, established in 1908, is one of China's oldest banks and has been a key player in providing diversified financial support to the real economy [2]. - The Shandong Branch has formed a specialized team focusing on technology finance, targeting four key sectors: new generation information technology, biomedicine, new energy materials, and high-end equipment [2]. - A comprehensive strategic cooperation agreement with the provincial science and technology department has led to the introduction of a technology finance pre-review mechanism, enhancing the entire lifecycle financial services for technology enterprises [2]. Group 2: Loan Products and Performance - The Shandong Branch has established business relationships with nearly 7,000 technology enterprises, with a loan balance exceeding 50 billion yuan, and has disbursed over 30 billion yuan in loans to more than 2,000 technology enterprises this year alone [3]. - The "Sci-Tech Qilu Loan" is an innovative online credit loan product launched in early 2024, which has been recognized as a 2025 "Good Financial - Technology Finance" innovative product [9]. - The loan approval process is streamlined, with a maximum credit limit of 20 million yuan and a loan term of up to 3 years, allowing for rapid disbursement within one day [9]. Group 3: Case Studies and Product Upgrades - Successful case studies include providing a 2.76 million yuan loan to a new materials company affected by trade tensions and a 2.61 million yuan loan to a biotechnology company lacking financing experience [11]. - The upcoming "Sci-Tech Qilu Loan 2.0" version will enhance flexibility in guarantee methods and improve the efficiency of loan renewals, set to launch by the end of June [11]. - The Bank of Communications Shandong Branch aims to continuously improve the quality and efficiency of its technology finance services, expanding financing channels for technology enterprises [12].