Xin Lang Cai Jing·2025-11-14 03:25Core Insights - The article emphasizes the role of financial support in fostering high-level technological self-reliance and innovation, particularly through the services provided by the Qingdao branch of the Industrial and Commercial Bank of China (ICBC) [1] Group 1: Financial Support for SMEs - ICBC Qingdao branch focuses on supporting technology-driven small and micro enterprises as a key measure for high-quality development [1] - The bank has developed a digital inclusive finance product system, including "Qing e-loan," "Talent e-loan," and "Innovation Growth e-loan," to cater to the unique characteristics of tech enterprises [1] - The bank utilizes big data risk control models to convert a company's "technical soft power" into "financing hard currency," significantly increasing the proportion of credit loans [1] Group 2: Case Studies of Successful Financing - A specialized packaging manufacturer received a 5 million yuan "Qing e-loan" after the Li Cang branch identified its financing needs through direct engagement [1][3] - The Ao Fan branch tailored a financial service plan for a national-level "little giant" enterprise in marine biomedical materials, successfully providing a 10 million yuan "Talent e-loan" to meet urgent operational funding needs [4] - The Si Fang branch supported an AI tax robot development company with a 5 million yuan "Innovation Growth e-loan" within five days, addressing the company's urgent financing requirements [6] Group 3: Collaborative Efforts and Community Engagement - ICBC branches actively engage with local government departments to identify small and micro enterprise financing needs, enhancing the effectiveness of their services [4][8] - The bank conducts extensive outreach activities, such as "thousand enterprises and ten thousand households visits," to improve financing satisfaction among small and micro enterprises [8] - The collaborative efforts between government and banks aim to create a replicable model of inclusive finance that strengthens the real economy [8]