Xin Lang Cai Jing·2025-11-14 07:56Core Insights - The article highlights the efforts of China Construction Bank's Qingdao branch in providing tailored financial services to support small and micro technology enterprises, particularly through the "Shan Ke Loan" product, which aims to address financing challenges faced by these companies [1][2][3] Group 1: Financial Products and Services - The "Shan Ke Loan" product was specifically designed to meet the financing needs of technology enterprises, allowing for rapid approval of loans, as demonstrated by a case where a loan of 1.129 million yuan was approved in just one working day with an annual interest rate as low as 3.05% [2] - The Qingdao branch has developed over 30 sub-products under its inclusive finance loan offerings, including "Xiao Wei Kuai Dai" and "Xiao Wei Shan Dai," ensuring that there is a suitable product for every customer [2][3] - The bank has provided over 14 billion yuan in loans to small and micro enterprises in Qingdao by April 2025, demonstrating its commitment to supporting the local economy [1] Group 2: Comprehensive Support for Enterprises - The bank offers comprehensive financial services throughout the entire lifecycle of small and micro technology enterprises, ensuring continuous support rather than one-time assistance [3][4] - The Qingdao branch has tailored financial solutions for specific challenges faced by companies, such as slow payment cycles in the green energy sector, by creating customized credit plans and supply chain products [4][5] - As of early 2024, the loan balance for technology enterprises and related industries exceeded 50 billion yuan, indicating significant growth in financial support for these sectors [5] Group 3: Collaboration and Ecosystem Development - The bank has established a collaborative model involving government, enterprises, and financial institutions to create a supportive ecosystem for technology innovation [5][6] - A recent event facilitated partnerships between over 60 technology enterprises and the bank, resulting in strategic cooperation agreements aimed at enhancing financial support for high-quality development [5] - The bank employs a dual evaluation system that assesses both technological and investment strengths of enterprises, allowing for more accurate credit assessments based on their "soft strengths" [6]