转自：新华财经 未来，邮储银行青岛分行将继续打磨服务细节，让金融不仅是资金支持，更成为个体工商户敢闯敢干 的"底气"，为青岛经济的"烟火气"注入更持久的生命力。（蒋芳） 编辑：赵鼎 以"靶向劲"破解发展痛点，让资源对准商户真需求。个体工商户需求多元，"一刀切"的服务模式难以适 配。邮储银行青岛分行将"政银联动"作为破局关键，各支行行长每月带队走访市场监管局、工商联、行 业协会，既精准把握最新产业政策，又收集优质商户名录，告别"大海捞针"式盲目营销。在此基础上， 该行以二级支行为单位深耕重点市场及网格特色行业，实施差异化服务策略。针对餐饮服务类商户现金 流高频、季节性波动大、缺乏抵押、用款急的特点，匹配纯信用"产业贷"，单户最高授信可达100万 元，且支持随借随还；面对零售批发类商户存货周转快、账期不稳、融资成本敏感的问题，提供供应链 金融支持，搭配零手续费聚合支付服务。 以"渗透劲"打通宣传链路，让政策走进商户视野。邮储银行青岛分行将线下场景作为宣传主阵地，善于 借"外力"搭平台：一方面依托政府资源，在市场监管部门、工商联举办的商户培训会上，把专业金融政 策转化为"商户听得懂的干货"；另一方面借助商户力量，通 ...

Core Viewpoint - The article emphasizes the collaboration between local government and financial institutions, particularly the JiuRong Rural Commercial Bank, to stimulate consumption and enhance domestic demand through innovative financial services and community engagement [1]. Group 1: Financial Support for Consumption - JiuRong Rural Commercial Bank actively collaborates with local government departments to create a consumption ecosystem that benefits citizens, focusing on rural revitalization and consumer needs [2]. - The bank organized a "New Year Goods Fair" in collaboration with local authorities, attracting 93 vendors and generating a transaction amount of 1.5 million yuan during the event [2]. - The bank has issued 6,000 consumption coupons during promotional activities, resulting in 8,039 transactions [2]. Group 2: Night Economy and Cultural Tourism - The bank is involved in promoting the night economy by creating the "Ge Xian Night Tour" brand, which aligns with government initiatives to enhance nighttime consumption [3]. - During the "May Day" event, the bank facilitated 30,000 transactions and issued 8,000 consumption coupons, achieving a 97% redemption rate [3]. Group 3: Trade-in Programs - The bank has launched initiatives to support the "trade-in" policy, enhancing market vitality and consumer lifestyles through various financial products [4]. - Since May, the bank has issued 5 million yuan in consumption coupons, benefiting over 35,000 citizens and stimulating over 10 million yuan in consumption [4]. Group 4: Consumer Financing Solutions - JiuRong Rural Commercial Bank focuses on consumer installment plans, catering to various consumer needs such as home decoration and vehicle purchases [5][6]. - As of June, the bank issued 42 auto installment loans totaling 4.76 million yuan and 12 home renovation loans totaling 1.6 million yuan [6]. Group 5: Government-Bank Collaboration - The bank emphasizes the importance of clear division of roles and complementary advantages in government-bank cooperation to enhance market activity [7]. - The bank has established a regular communication mechanism with local government to ensure efficient policy implementation and resource allocation [9]. Group 6: Digital Empowerment and Service Expansion - The bank collaborates with local data companies to create a comprehensive digital platform for public services, addressing issues like data silos and service accessibility [10]. - The bank is exploring new financial service models in emerging consumption areas such as digital consumption and green consumption [10]. Group 7: Focus on Rural and County-Level Markets - The bank aims to enhance consumption in rural areas by designing targeted promotional activities and financial products that cater to local needs [11]. - The bank promotes a merchant alliance model to provide flexible financial support across various sectors, including home appliances and education [11].