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].