截至10月末，山东累计发放服务消费与养老产业贷款364.2亿元

Core Viewpoint - The Shandong Provincial Government is actively promoting financial services for the elderly care industry and the silver economy, with significant loan disbursements and policy initiatives aimed at enhancing support for this sector [1][2][3] Group 1: Loan Disbursement and Policy Initiatives - As of the end of October, Shandong Province has issued a total of 36.42 billion yuan in loans for service consumption and the elderly care industry, with 7.78 billion yuan in re-loan applications [1] - The total loans specifically for the elderly care industry reached 6.18 billion yuan, with 2.11 billion yuan in re-loan applications [1] - The People's Bank of China established re-loans for service consumption and elderly care in May to encourage financial institutions to increase support for key areas [1] Group 2: Addressing Industry Challenges - The government is addressing barriers in communication between enterprises and banks by compiling a financing demand list for 336 key enterprises and projects in the elderly care industry, resulting in cooperation agreements with 94 enterprises totaling 10.59 billion yuan [2] - Financial institutions are being guided to innovate loan products tailored to the elderly care sector, including extending loan terms up to 30 years and expanding collateral options [2] - Specific loan products such as "Civil Affairs Elderly Loan" have been introduced to meet the unique needs of the elderly care industry [2] Group 3: Risk Mitigation and Financial Support - The Shandong Provincial Government is enhancing confidence among financial institutions by implementing a four-tier risk-sharing mechanism to support small and medium-sized elderly care entities [2] - As of the end of October, this initiative has facilitated the disbursement of 14.852 billion yuan across 28,200 loans, with an average guarantee fee rate of 0.66% [2] - The People's Bank of China plans to continue optimizing financial supply for the elderly care sector to contribute to its high-quality development [3]