邮储银行青岛分行：深耕蓝海 赋能海洋产业

Core Viewpoint - The article highlights the role of Postal Savings Bank of China Qingdao Branch in supporting the development of the marine economy in Qingdao through innovative financial services and tailored financing solutions [1][2][3] Group 1: Financial Support for Marine Economy - The bank has developed a three-year action plan (2025-2027) to support high-quality development of the marine economy, focusing on 170 key marine projects [1] - A specialized research team has been established to conduct in-depth studies on marine engineering equipment and marine biomedicine, providing comprehensive financial solutions tailored to the entire lifecycle of enterprises [1] Group 2: Customer Service System - The bank has created a "pyramid" service system to address the diverse financial needs of different business entities, promoting a healthy development pattern among large, medium, and small enterprises [2] - For leading enterprises, the bank has shifted from traditional credit logic to a "value co-creation" partnership, expanding services to include cross-border finance and wealth management [2] - The bank adopts a "companion growth" approach for growing enterprises, offering services across strategic consulting, technology matching, and risk management [2] - For small and micro enterprises, the bank has introduced an innovative "technology flow" credit rating system to convert intangible assets into tangible credit [2] Group 3: Product Innovation - The bank emphasizes financial innovation rooted in industry needs, exemplified by a customized financing solution of 20 million yuan for a marine algae company, which helped exceed annual sales targets [3] - A "precision drip irrigation" credit product system has been established, including "rapid loans" for fishermen and "science and technology loans" for small tech enterprises, addressing financing challenges [3] - The bank plans to continue deepening blue finance practices to support Qingdao's development as a leading modern marine city [3]