QRCB(SZ:002958) Qi Lu Wan Bao·2025-09-17 10:46Core Insights - The "Individual Benefit Loan" service launched by Qingdao Rural Commercial Bank and the Qingdao Market Supervision Administration has effectively supported individual businesses and small micro-economies since its introduction in May 2025, with a loan balance exceeding 200 million yuan benefiting over 400 quality individual businesses in the city [1][3] Group 1: Financing Model and Efficiency - The "Individual Benefit Loan" service utilizes data sharing and joint modeling technology through the "Qingrongtong" platform to create a digital credit business model, enabling precise credit granting based on the analysis of individual business data [2] - The service addresses the financing challenges faced by individual businesses by offering flexible credit services such as "borrow and repay at will" and preferential interest rates, significantly improving financing efficiency [2] Group 2: Impact on Local Economy - The service focuses on individual businesses in the livelihood sector, directing credit resources to stable businesses in areas like catering, retail, and trade, thereby providing strong financial support for maintaining market order and ensuring supply [3] - As a result of the loan support, many individual businesses have experienced operational expansion and increased profitability, with one retail business reporting a 16% year-on-year increase in revenue after receiving the loan [3] Group 3: Service Model and Future Plans - Qingdao Rural Commercial Bank is committed to expanding its inclusive financial services by integrating online and offline service models, enhancing service efficiency and warmth [4] - The bank plans to continue optimizing and promoting the "Individual Benefit Loan" model to inject more financial resources into individual businesses, further stimulating the vitality of the small micro-economy and contributing to high-quality regional economic development [4]