Qi Lu Wan Bao·2026-01-14 08:01Core Insights - The article highlights the challenges faced by small and micro enterprises in financing, which have long restricted their development [1] - Qingdao Bank's Liaocheng branch has innovatively launched supply chain financial services based on core enterprises to facilitate financing for small suppliers [1][2] - The new credit model focuses on the core enterprise, allowing for centralized approval and a variety of financial products to be offered to small enterprises [2] Financing Model - The innovative model breaks the limitations of traditional single-point credit approval by transforming complex individual audits into efficient centralized audits based on core enterprise credit [2] - This approach significantly optimizes the approval chain and simplifies the review process, enabling small enterprises to obtain financing quickly without providing complex credit materials [2] Financial Impact - As of December 31, 2025, Qingdao Bank's Liaocheng branch has issued 10 supply chain financial transactions based on the core enterprise credit, with a total loan amount of 3.2878 million yuan, alleviating the cash flow pressure on small enterprises [2] - The bank aims to continue deepening supply chain financial innovation to support the high-quality development of the regional economy by providing efficient approval processes and convenient financial products [2]