Xin Lang Cai Jing·2025-11-18 02:23Core 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 credit approval within one working day, with a loan amount of 1.129 million yuan and an annual interest rate as low as 3.05% [2] - As of April 2025, the Qingdao branch has issued over 14 billion yuan in loans to small and micro enterprises, demonstrating a commitment to inclusive financial services [1][2] - The bank has developed a comprehensive suite of over 30 financial products, including "Xiao Wei Kuai Dai" and "Xiao Wei Shan Dai," to cater to diverse client needs [2] Group 2: Support for Technology Enterprises - The Qingdao branch provides full lifecycle financial services, supporting technology enterprises from their inception to growth stages, thereby fostering a healthy "technology-industry-finance" cycle [3][4] - The bank has successfully assisted companies like Qingdao Jinnuo Technology Co., which upgraded its production line and increased its waste battery processing capacity by 20% with the help of the loan [2][4] - The bank's support extends to supply chain financing solutions, such as the "e Xin Tong" product, which addresses cash flow issues for companies facing slow payment cycles [4] Group 3: Collaboration and Ecosystem Development - The Qingdao branch has established a collaborative model involving government, enterprises, and financial institutions to create a technology finance ecosystem [6][7] - The bank has engaged with over 60 technology enterprises in the Chengyang District, resulting in strategic cooperation agreements to enhance support for high-quality development [6] - By utilizing a dual evaluation system that assesses both technological and investment strengths, the bank has transformed the "soft power" of enterprises into "hard credit," facilitating precise credit granting [6][7]