守正创新，为科技企业量身定制"善科贷"产品，仅用1个工作日完成112.9万元授信审批；伴企成长，提 供覆盖全生命周期的金融服务，让小微企业的潜力"从小被看见"；做强科技金融，深化"小微融资协调 机制"，携手政府与企业共谱发展新篇……作为国有大型商业银行，建设银行青岛市分行聚焦主责主 业，全力做好金融工作"五篇大文章"，通过定制化金融产品、全周期服务支持、创新银政企合作模式， 让金融活水精准润泽"千企万户"。在扎实推行"小微融资协调机制"的背景下，截至2025年4月，累计为 青岛小微企业发放贷款超140亿元，走访企业1.5万户，以"建行品牌"之力，交出了一份普惠金融服务实 体经济的高质量答卷。 量身定制 破解科技企业融资难题 科技创新是高质量发展的核心驱动力，但轻资产、高风险的特性让许多科技企业难以跨越传统融资门 槛。建行青岛市分行以"善科贷"为突破口，为科技企业量身定制金融服务方案，精准破解融资痛点。 作为锂电池循环经济领域的领军企业，青岛金诺德科技有限公司凭借技术实力与创新基因成为行业标 杆。建行青岛同安路第二支行的客户经理在走访中获悉企业贷款需求后，迅速推荐"善科贷"产品。通过 实地考察技术车间、专利成果 ...

Core Insights - The article emphasizes the role of China Construction Bank's Qingdao branch in providing tailored financial services to support technology enterprises, particularly small and micro enterprises, through innovative products like "Shan Ke Loan" [1][2][3] Group 1: Financial Products and Services - The "Shan Ke Loan" product is designed to address the financing challenges faced by technology enterprises, offering a quick approval process and competitive interest rates [2][3] - As of April 2025, the Qingdao branch has issued over 14 billion yuan in loans to small and micro enterprises, demonstrating a commitment to inclusive financial services [1][2] - The bank has developed a diverse range of financial products, including over 30 sub-products under the categories of "Small Micro Quick Loan," "Personal Business Quick Loan," and "Small Micro Shan Loan" [2][3] Group 2: Support for Technology Enterprises - The Qingdao branch provides comprehensive financial services throughout the lifecycle of small and micro technology enterprises, ensuring a supportive environment for growth [3][4] - The bank has successfully assisted companies like Qingdao Jinnuo Technology Co., Ltd. in securing loans that facilitate production upgrades and team expansions, enhancing operational capabilities [2][3] - The bank's support extends to supply chain financing solutions, addressing cash flow issues for companies facing slow payment cycles [4][5] Group 3: Collaboration and Ecosystem Development - The bank fosters collaboration between government, enterprises, and financial institutions to create a supportive ecosystem for technological innovation [6][7] - A recent event in collaboration with local government saw over 60 technology enterprise representatives engage with the bank, resulting in multiple strategic cooperation agreements [6][7] - The bank employs a dual-evaluation system to assess the "soft strengths" of technology enterprises, converting intangible assets into creditworthiness for financing [6][7] Group 4: Growth Metrics - The loan balance for technology enterprises and related industries surpassed 50 billion yuan in 2024, with the bank leading in loan growth among major banks in the region [5][6] - The Qingdao branch has served over 2,000 technology enterprises, contributing significantly to the city's technological innovation and development goals [5][6]