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].

民营企业座谈会召开后，支持民营经济高质量发展的氛围更加热烈、举措更加详实。金融作为民营经 济发展中不可或缺的重要力量，各金融机构同样以多措并举的实招硬招全力为民营经济发展蓄势聚 能，作为地方金融主力军的青岛农商银行便是其中之一。 据了解，2024年，青岛农商银行支持民营经济额度突破1100亿元，服务民营企业客户突破4400 户。 数据背后是民营企业对服务的认可，也是青岛农商银行践行"金融报国、金融为民"初心使命的真实 见证。特别是面对当前风云多变的国际形势，民营企业"出海"成为发展中的优选路线。青岛农商银 行在这一方面同样具有明显优势，成为以"金融之舟"助力民营企业"破浪出海"的重要力量。 青岛农商银行国际业务起步于2005年，可谓与青岛对外贸易发展一直陪伴式成长。据统计，目前青 岛农商银行服务国际贸易类企业达到1.2万余户，占全市国际贸易类企业一半以上。 特别是近年来随着国内企业出海拓展步伐的加快，青岛农商银行国际业务同样发展迅速。以国际结算 量数据为例，2012年仅有39亿美元，到2024年已达到260亿美元，实现了近7倍增长，可见业务发 展势头之猛。 据悉，青岛农商银行国际业务具有"速度快、费率优、产品 ...