Core Viewpoint - Qingdao Rural Commercial Bank demonstrates steady growth in its financial performance, with a focus on quality and risk management, supported by a dual-driven model of "policy + technology" [1][2] Financial Performance - In the first three quarters of 2025, Qingdao Rural Commercial Bank achieved an operating income of 8.028 billion yuan and a net profit attributable to shareholders of 3.318 billion yuan, reflecting a year-on-year increase of 114 million yuan, or 3.57% [1] - The total amount of loans and advances reached 268.122 billion yuan, an increase of 1.539 billion yuan, or 0.58% from the beginning of the year [1] - Total deposits increased to 335.179 billion yuan, up 8.506 billion yuan, or 2.60% from the beginning of the year [1] - The non-performing loan ratio decreased by 0.06 percentage points, indicating a reduction in both the non-performing loan ratio and balance [1] Policy Guidance - The bank aligns with national strategies to expand domestic demand, focusing on enhancing consumption as a core driver of economic growth [2] - Qingdao Rural Commercial Bank emphasizes its commitment to serving the real economy and supporting small and micro enterprises through innovative consumer finance and inclusive lending [2][3] Digital Transformation - The bank is undergoing a digital transformation, integrating technology and data to enhance service models and expand value boundaries [6] - It has implemented 16 innovative projects, including a risk control decision engine, and developed a comprehensive risk warning system with over 300 risk signals [7] - The bank's mobile banking users exceeded 2.87 million, and it has over 1,400 smart service windows in rural areas [7] Innovation in Financial Products - Qingdao Rural Commercial Bank has launched various innovative financial products, including "High-tech Loan 2.0" and "Foreign Trade Boost Loan," to support inclusive finance and expand its customer base [3][4] - The bank's international business transactions reached 55.24 billion USD, a year-on-year increase of 9.37% [4] Achievements in Technology and Data - The bank has received over 30 awards in the digital finance sector and holds multiple patents, showcasing its commitment to technological innovation [10] - It has improved data processing efficiency by 30% and integrated over 1,100 external data sources into its operations [9] Conclusion - Qingdao Rural Commercial Bank exemplifies how local financial institutions can leverage technology and data to enhance service delivery and support national economic strategies, positioning itself as a model for rural commercial banks across the country [11]

自2025年5月青岛农商银行与青岛市市场监督管理局携手推出"个体益贷"金融服务以来，该业务凭借创 新模式与精准服务，在支持个体工商户、助力小微经济发展方面初显成效。截至目前，该业务新增贷款 余额突破2亿元，惠及全市超400户优质个体工商户，为小微经济发展注入金融活水。 数据赋能政银协作，破解个体工商户融资瓶颈 "真没想到，凭信用和流水就能贷到50万元，提供简单的材料，钱就到位了，进货周转再不发愁！"市北 区海鲜批发经营者刘老板的感慨，道出了众多个体工商户在"个体益贷"服务下的融资便利。 "个体益贷"是青岛农商银行与青岛市市场监督管理局深化政银合作的创新成果，依托"青融通"平台数据 共享与联合建模技术打造的数字化信贷业务新模式。该模式通过归集和分析个体工商户经营、信用等数 据，实现分级分类精准授信。同时平台设立个体工商户专属融资通道，支持线上申请，大幅简化了贷款 流程，极大提升了融资效率。 针对个体工商户"轻资产、周转急、融资难"等问题，该模式定制化提供"随借随还、利率优惠"的灵活信 贷服务，有效打通融资"最后一公里"。 普惠实效显著，多维助力民生行业发展 "个体益贷"服务聚集民生领域，将信贷资源重点投向青岛市 ...