深秋时节，本是丰收喜悦之时，连绵秋雨却给秋收工作增添了挑战。农田积水、粮食存储环境潮湿、后续生产资金短缺等问题接踵而至，农户们眉头紧锁， 一年的辛勤劳作面临严峻考验。 面对突如其来的雨情，青岛农商银行党委高度重视、快速响应，坚决扛起地方法人银行的责任担当，持续深化"金穗红帆"党建品牌，充分发挥各级党组织战 斗堡垒作用，组织党员干部、党员先锋队、金融助理、金融网格员、挂职金融副镇长、驻村第一书记等力量，全力投身秋粮抢收工作，以有态度、有速度、 有温度、有力度的金融服务，践行着"急农户之所急、解农业之所忧"的初心使命。 党委引领 迅速响应 十二项举措彰显责任担当 雨情就是命令，保收就是责任。青岛农商银行党委第一时间研究部署金融支持秋粮抢收工作，迅速推出《青岛农商银行应对雨情助力三农发展专项举措》， 围绕秋粮生产"抢收、烘干、仓储、收购、种植"全链条痛点难点，系统性提出十二项专项金融服务措施，全力护航"三秋"生产。 各分支机构积极响应党委号召，迅速行动，充分发挥"人熟、地熟、情况熟"的优势，依托全行金融专员常态化驻村驻社区的金融服务基础，组织各级党员干 部员工深入田间地头、农户家中，主动摸排融资需求，全力保障秋收工 ...

Core Viewpoint - Qingnong Commercial Bank has successfully improved its retail loan ratio and loan quality management despite a general decline in the banking industry's retail loan proportion, primarily by focusing on loans to small and micro enterprises and individual business owners [1][10]. Group 1: Loan Quality Management - As of the end of 2024, Qingnong Commercial Bank's non-performing loan (NPL) ratio was 1.79%, slightly decreasing to 1.77% by the end of Q1 2025, indicating a significant improvement over the past two years with a cumulative decline of 0.4 percentage points [2][4]. - The bank has implemented a "three-in-one" approval mechanism and risk management strategies to control new risk loans and enhance the quality of new credit [4][12]. - The bank's NPLs were primarily accumulated in 2021 and 2022, largely due to stricter classification standards and challenges in the real estate sector [4][5]. Group 2: Retail Loan Strategy - Qingnong Commercial Bank's retail loan proportion has increased against the trend in the banking sector, with a focus on personal operating loans and consumer loans to offset the decline in housing loans [1][10]. - The bank's personal loans and advances reached nearly 80 billion yuan by the end of 2024, growing nearly 7% year-on-year, driven by increased lending to small and micro enterprises [10][11]. - The bank has established a personal credit department and a financial inclusion department to enhance its retail business strategy and improve loan product offerings [10][11]. Group 3: Financial Performance - In 2024, Qingnong Commercial Bank reported operating income of 11.033 billion yuan, a year-on-year increase of 6.85%, and a net profit attributable to shareholders of 2.856 billion yuan, up 11.24% [1]. - The growth in revenue was primarily attributed to non-interest income, as net interest income saw a decline [1].