Qi Lu Wan Bao·2025-07-09 05:34Core Viewpoint - The Shandong Branch of Bank of China has achieved a significant milestone by surpassing a loan balance of 100 billion yuan in inclusive finance, demonstrating its commitment to supporting small and micro enterprises and contributing to the local economy [1][8]. Group 1: Organizational Support - The achievement of 100 billion yuan in loans is backed by a "collaborative linkage" organizational structure that enhances service delivery [2]. - A comprehensive service system has been established to better serve small and micro enterprises, including a three-tiered collaborative mechanism involving the provincial branch, city branches, and sub-branches [3]. Group 2: Service Innovation - The bank focuses on addressing the pain points of the real economy by innovating products and service models to tackle issues such as "difficult, slow, and expensive" financing for small and micro enterprises [5]. - Specific financial products tailored for individual businesses, such as "Growth Loan," "Development Loan," and "Specialty Loan," were launched to meet diverse financing needs [3][5]. Group 3: Technology Empowerment - The bank is leveraging digital transformation to enhance efficiency in inclusive finance, utilizing big data and artificial intelligence to improve customer outreach and risk management [7]. - A dual-channel service system has been established, integrating online and offline services to streamline the loan application process and improve service efficiency for small and micro enterprises [7]. Group 4: Future Commitment - Surpassing the 100 billion yuan mark in inclusive finance loans is seen as a significant achievement and a starting point for further efforts to support small and micro enterprises and contribute to high-quality economic development in Shandong [8].