走进青岛胶州一家大型企业的低温仓库，自动化冷链输送线正有条不紊地运转，一箱箱新鲜的水产品 在-25℃的环境下妥善保存，即将发往山东半岛、长三角及环渤海经济圈的各大市场。作为区域内冷链 仓储及供应链领域的领军企业，该企业拥有3.2万平方米万吨级低温仓库、38条自动化冷链输送线及国 际领先的温控系统，年周转各类水产品达18万吨，交易量占胶州地区水产冷链流通总量的35%，是名副 其实的冷链枢纽。 然而，就在不久前，这家龙头企业还被资金难题"绊住了脚"。"水产行业'先款后货'的交易模式，让我们 在春秋渔汛旺季的代采垫资压力特别大，每年都在5000万元以上。"该企业负责人说，资金周转紧张不 仅让企业年节约财务成本的目标难以实现，还限制了与上游渔场的合作范围，大量优质资源因无法满足 预付款要求而错失。 与此同时，齐鲁银行以该龙头企业为支点，向产业链上下游"双向延伸"。通过深度梳理产业链，筛选出 5家成长性强、合规性好的水产加工企业，累计批复1.4亿元贸易融资授信。青岛某水产加工企业负责人 表示："这笔融资就像'及时雨'，我们不仅新增了就业岗位，年加工产值还增加了2000多万元，现在年 出口额突破了5000万美元。" 为确 ...

Group 1 - Qilu Bank has established a comprehensive financial service ecosystem to support private enterprises, particularly in the marine economy sector, enhancing their operational capabilities and reducing financing barriers [1][2] - The bank has introduced innovative financial solutions, such as the "Blue Cold Chain Industry Chain Financial Solution," to address funding bottlenecks in the cold chain logistics industry, specifically for a leading enterprise in the region [2][3] - The cold storage utilization rate of the leading enterprise increased from 90% to 98%, and it became one of the busiest cold chain hubs in the Shandong Peninsula, with a daily throughput exceeding 800 tons [3] Group 2 - Qilu Bank has focused on technology finance, providing tailored financial products like "Kairong Loan" to support technology-driven enterprises, which have significant funding needs due to increased orders and R&D investments [4][5] - The bank has developed an online financing product called "Kairong e-loan," which evaluates the strength and potential of technology enterprises based on big data, effectively turning their technological capabilities into financial assets [5] - As of June, the balance of technology loans at Qilu Bank's Liaocheng branch reached 2.18 billion, reflecting a 30% increase since the beginning of the year [5] Group 3 - Qilu Bank has launched the "No Recourse Domestic Factoring (Quanshin Chain)" service to help small and micro enterprises manage their accounts receivable, providing them with efficient financing options [6][7] - The bank has successfully facilitated over 260 loans totaling more than 760 million for private enterprises through the "Quanshin Chain" product, addressing their accounts receivable financing challenges [7]

Group 1 - Qilu Bank has achieved impressive mid-year results for 2025, establishing a comprehensive financial service ecosystem to support private enterprises in overcoming financing burdens and accelerating development [1] - The bank aims to be a key player in serving the private economy by innovatively creating an "industrial service circle" to eliminate invisible financing barriers [1] - Many private enterprises express gratitude for Qilu Bank's support, stating that it has strengthened their confidence in securing orders [1] Group 2 - The 2025 Marine Cooperation Development Forum highlighted the focus on marine economy, with Jiaozhou Bay becoming a significant cold chain logistics base for aquatic products [3] - A leading cold chain enterprise in the region has a cold storage area of 32,000 square meters and can handle 180,000 tons of aquatic products annually, covering a wide market [3][4] - Before receiving credit support, this enterprise faced development bottlenecks due to high capital turnover pressure, which limited its ability to expand supplier relationships [4] Group 3 - Qilu Bank has introduced a "blue cold chain industry chain financial solution" to address funding bottlenecks in the cold chain industry, utilizing the creditworthiness of a leading enterprise [4] - The bank provided 50 million yuan in online trade financing to a supply chain management company, reducing financing costs by 750,000 yuan annually [4][5] - The utilization rate of the cold storage facility increased from 90% to 98%, and the maximum daily throughput exceeded 800 tons, establishing it as a busy cold chain hub [5] Group 4 - Qilu Bank is focusing on technology finance, having successfully provided 3 million yuan in financing to a transportation facility company that signed orders worth over 90 million yuan [6][7] - The bank has developed a credit evaluation system based on big data for technology enterprises, allowing for the monetization of their technological strengths [7] - As of June, the bank's technology loans balance reached 2.18 billion yuan, reflecting a 30% increase since the beginning of the year [7] Group 5 - Qilu Bank launched an innovative "non-recourse domestic factoring" product to help small and micro enterprises address financing challenges related to accounts receivable [8][9] - The bank facilitated over 76 million yuan in loans through the "泉信链" product, assisting nearly 170 private enterprises in overcoming accounts receivable financing difficulties [9]