近日，中国人民银行山东省分行公布了2025年二季度小微企业信贷政策导向评估结果，济南工行再次获 评"优秀"，这是该行连续六个季度获此殊荣，也是可比同业中唯一一家连续六个季度稳居优秀档的金融 机构。作为深耕普惠金融领域的重要实践者，济南工行始终以政策为引领，持续加大普惠信贷供给，数 据显示，截至目前，该行已累计为1.7万户小微市场主体提供信贷服务，以实际行动助力实体经济稳健 发展。 图为济南工 行槐荫支行客户经理走访某汽车服务公司 创新产品 打造特色服务样板 济南工行聚焦小微客户多元需求，以产品创新激活普惠服务动能。加强与工信、发改等部门对接，针对 辖内龙头企业、产业园区、产业集群，依托供应链和特色场景更好满足产品需求。 优化机制，筑牢普惠服务根基 济南工行将普惠金融作为践行金融工作政治性、人民性的重要抓手，着力构建长效发展机制。 该行党委定期专题研究普惠金融发展情况，统一发展思路、压实各级责任，以高位推动保障服务质效。 通过保持KPI考核权重、用好总省行活动权益等举措，激发全员参与热情。同时推动业务下沉，下放审 批权限、组织网点客户经理岗前认证，确保普惠服务直达基层，让小微客户就近享受高效金融支持。 精准对接 ...

Group 1 - The integration of Eastern wisdom and financial collaboration in Jinan is fostering a significant industrial transformation, with a focus on nurturing technology innovation and enhancing the financing ecosystem for startups [1] - Jinan has been recognized as the first city in China to be approved as a pilot zone for technology finance reform, implementing a "six specialties and four values" financial service mechanism to support technological innovation [1][4] - The financial system plays a crucial role in supporting technology enterprises, with policies designed to facilitate a smooth financing process throughout the entire lifecycle of these companies [1][4] Group 2 - Beicheng Environment, an environmental engineering company, successfully transformed from a small operation to a significant player in the industry, achieving 100 million yuan in revenue after initial funding of 200,000 yuan [2][3] - The company utilized a combination of loans and equity financing to support its growth, including a 10 million yuan investment from Shandong Shanke Innovation Equity Investment Co., Ltd. and China Bank Jinan Branch [2][4] - The success of Beicheng Environment highlights the importance of clear communication with banks and understanding financial needs to secure funding [3] Group 3 - The establishment of supportive policies has enabled companies like Beicheng Environment to connect with capital markets effectively, with government initiatives focusing on direct financing for technology enterprises [4] - The introduction of innovative financing models, such as equity pledge loans, has provided new avenues for companies facing challenges in securing traditional loans [4][6] - The development of specialized financial products, like the "Research Loan" from Qilu Bank, addresses the unique needs of technology enterprises, allowing for longer loan terms and various collateral options [6] Group 4 - The financial landscape for technology companies in Jinan is evolving, with institutions like Jinan Rural Commercial Bank providing tailored financial services to meet the specific needs of these enterprises [8][9] - The introduction of talent-based financing products, such as "Talent Loans," has enhanced access to funding for companies with high-level talent, thereby increasing their creditworthiness [8][9] - Financial institutions are increasingly focusing on the evaluation of intangible assets, such as intellectual property, to support technology companies in securing loans [9] Group 5 - The launch of digital platforms like "Yuanqu Tong" and "Quanrong Tong" is enhancing the efficiency of financial services for technology enterprises, utilizing big data and cloud computing to streamline processes [11][12] - These platforms facilitate data sharing and collaboration among various stakeholders, improving access to financing and support for technology companies [12][13] - The integration of multiple data sources and the development of intelligent evaluation models are key features of these platforms, enabling better decision-making for both enterprises and financial institutions [12][13]