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齐鲁银行:做好金融“五大篇文章” 护航区域经济发展

Core Viewpoint - Qilu Bank, as the first local joint-stock commercial bank in Shandong Province, focuses on serving urban and rural residents, small and medium-sized enterprises, and local economic development through various financial services, including technology finance, green finance, inclusive finance, pension finance, and digital finance [1] Group 1: Technology Finance - Qilu Bank has developed a dual-direction mechanism between technology and finance, launching products like "KeChuang YiDai" to serve 61% of "specialized, refined, unique, and innovative" enterprises in Jinan [2] - The bank has established 2 technology branches, 3 specialty branches, and 10 technology finance centers to enhance the quality and efficiency of technology finance [2] - In 2024, the loan balance for technology enterprises reached 34.7 billion yuan, a 47% increase from the beginning of the year, continuing to grow to 38.8 billion yuan in Q1 2025 [3] Group 2: Green Finance - Qilu Bank prioritizes green finance in its annual credit policy, creating a product matrix that includes carbon assets and sustainable development-linked loans [4] - The bank's green loan balance reached 35.1 billion yuan in 2024, increasing by 10.9 billion yuan, and continued to grow to 42.2 billion yuan in Q1 2025 [5] Group 3: Inclusive Finance - Qilu Bank has launched the "Bearing Village Loan" to support the bearing industry in Linqing City, addressing funding gaps for over 5,400 related enterprises [6][7] - The bank has implemented a county financial development strategy, introducing over 80 specialized products, with inclusive loans accounting for over 20% of its total loans [7] Group 4: Pension Finance - The bank has developed a wealth management brand for pension finance, offering various products and achieving nearly 1 billion yuan in sales for its pension-related financial products [8] - Qilu Bank is actively involved in building a smart elderly care service system, integrating multiple resources to create a new model for elderly services [8] Group 5: Digital Finance - Qilu Bank is focusing on digital transformation by establishing a digital banking department and implementing various projects to enhance data processing efficiency and flexibility [9] - The bank is developing AI applications for various financial services, including intelligent contract review and customer analysis, to improve service delivery [9]