Core Viewpoint - The Postal Savings Bank of China Qingdao Branch is actively addressing the financial needs of small and micro businesses in Qingdao by embedding financial services throughout their operational processes, thereby supporting their entrepreneurial aspirations [1][2][3] Group 1: Service Approach - The bank employs a "delicate approach" to build a comprehensive visiting network, ensuring that services are tailored to meet the specific needs of merchants rather than merely promoting products [1] - Each customer manager is designated as a "chief service manager," focusing on problem-solving rather than just loan sales, thus enhancing the overall service experience for merchants [1] Group 2: Targeted Solutions - The bank utilizes a "targeted approach" to address the diverse needs of individual businesses, moving away from a one-size-fits-all service model [2] - By implementing a "government-bank linkage," the bank gathers valuable insights into industry policies and compiles a list of quality merchants, allowing for more effective marketing strategies [2] - Specific financial products, such as pure credit "industry loans" with a maximum credit limit of 1 million yuan, are tailored for businesses with high cash flow needs and seasonal fluctuations [2] Group 3: Promotion and Awareness - The bank adopts a "penetrative approach" to enhance awareness of financial policies among merchants, utilizing offline scenarios for effective communication [3] - Collaborations with government resources and industry associations help translate complex financial policies into understandable information for merchants [3] - The bank's innovative "service as promotion" model encourages merchants to actively engage with financial services, significantly improving their awareness and acceptance of available policies [3]

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].