近日，国家外汇管理局青岛市分局公布2025年度外汇业务合规与审慎经营评估结果，青岛农商银行凭借 扎实的合规管理、专业的跨境服务能力，再次斩获"A类银行"称号。这也是青岛农商银行在国家外汇管 理局青岛市分局的指导与支持下，连续第12年获此殊荣。 深耕本土市场多年，青岛农商银行以产品创新回应企业跨境金融需求。针对中小微外贸企业"融资难、 融资贵"问题，围绕企业海关、国际结算等数据推出"外贸易贷"，累计发放融资款项4.36亿元；围绕原 产地证业务数据推出"贸信e贷"，累计发放融资款项1148万元；引入转贷款专项资金支持，推出"外贸提 振贷"，累计发放融资款项7亿元。聚焦"一带一路"合作机遇，创新推出"中巴清算直通车"，累计为76家 企业办理业务金额超千万美元，为企业开拓南亚市场搭建高效结算桥梁。在普惠金融领域持续突破，落 地全省首笔"单一窗口"线上三方赔转协议"银信融"业务，创新实现保单融资三方协议"线上秒签"，大幅 提升小微企业融资效率，让金融服务更具温度与速度。 合规根基筑牢：为业务发展保驾护航 合规是金融业务的生命线。青岛农商银行严格落实"了解客户、了解业务、尽职审查"展业三原则，深刻 把握"实质真实"核心要 ...

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 Viewpoint - The article highlights the resilience and vitality of China's foreign trade, showcasing the role of Qingdao Rural Commercial Bank in supporting small and micro foreign trade enterprises through innovative financial services and products [1][2][10]. Group 1: Foreign Trade Growth - China's foreign trade has shown remarkable growth, with electric vehicle exports increasing by 19% in the first five months of the year, and imports and exports to ASEAN and Africa growing by 9.1% and 12.4% respectively [1]. - The bank has supported over 13,000 foreign trade enterprises, nearly half of the total in Qingdao, demonstrating its significant impact on the local economy [2]. Group 2: Financial Innovation - Qingdao Rural Commercial Bank has introduced various innovative financial products, such as the "China-Pakistan Clearing Express" which offers up to 75% savings on transaction fees for cross-border settlements [2][5]. - The bank's "Foreign Trade Boost Loan" allows enterprises to apply for loans without collateral, providing financing support through credit and intellectual property pledges [5][6]. Group 3: Digital Transformation - The bank has integrated foreign trade data into its credit assessment system, transforming previously unused data into valuable assets for financing [6][7]. - The "Tariff e-loan 2.0" product has supported 1,379 enterprises with a total credit limit of 405 million yuan, showcasing the effectiveness of data-driven financial solutions [6]. Group 4: Risk Management - Qingdao Rural Commercial Bank emphasizes a balanced approach to risk management, implementing a comprehensive risk control system while maintaining rapid business growth [8][9]. - The bank has established a differentiated credit policy based on industry and development stage, ensuring tailored financial services for small and micro enterprises [9]. Group 5: Future Outlook - The bank aims to deepen its focus on supporting agriculture and small enterprises while leveraging its advantages in international business to create a resilient cross-border financial ecosystem [10][11]. - The commitment to digital finance and expanding cross-border services is expected to enhance the bank's role as a financial partner for small foreign trade enterprises [10].