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]

Core Insights - The "Individual Benefit Loan" service launched by Qingdao Rural Commercial Bank and the Qingdao Market Supervision Administration has effectively supported individual businesses and small micro-economies since its introduction in May 2025, with a loan balance exceeding 200 million yuan benefiting over 400 quality individual businesses in the city [1][3] Group 1: Financing Model and Efficiency - The "Individual Benefit Loan" service utilizes data sharing and joint modeling technology through the "Qingrongtong" platform to create a digital credit business model, enabling precise credit granting based on the analysis of individual business data [2] - The service addresses the financing challenges faced by individual businesses by offering flexible credit services such as "borrow and repay at will" and preferential interest rates, significantly improving financing efficiency [2] Group 2: Impact on Local Economy - The service focuses on individual businesses in the livelihood sector, directing credit resources to stable businesses in areas like catering, retail, and trade, thereby providing strong financial support for maintaining market order and ensuring supply [3] - As a result of the loan support, many individual businesses have experienced operational expansion and increased profitability, with one retail business reporting a 16% year-on-year increase in revenue after receiving the loan [3] Group 3: Service Model and Future Plans - Qingdao Rural Commercial Bank is committed to expanding its inclusive financial services by integrating online and offline service models, enhancing service efficiency and warmth [4] - The bank plans to continue optimizing and promoting the "Individual Benefit Loan" model to inject more financial resources into individual businesses, further stimulating the vitality of the small micro-economy and contributing to high-quality regional economic development [4]