当科技创新成为城市竞争的核心密码，青岛正以数字赋能重构发展基因。在中央"做好科技金融大文 章"的战略号召下，这座海洋名城将科技创新置顶城市发展清单，加速科技强市建设，系统优化创新生 态。在此进程中，浦发银行青岛分行以扎实的科技金融实践，成为激活城市科创动能的重要力量。 近日，人民银行青岛市分行与青岛市科技局联合揭晓2024年度科技金融特色支行名单，浦发银行青岛分 行下辖香港东路科技支行与城阳支行双双荣登榜单，成为全市唯一拥有两家上榜支行的股份制银行。 这份殊荣，不仅是对浦发银行青岛分行深耕科技金融领域的权威认证，更折射出青岛金融服务体系赋能 科创"新质生产力"的澎湃活力。 体系布局：构筑服务堡垒 为助力科技企业成长，赋能区域科技金融生态发展，浦发银行启动科技（特色）支行梯度培育三年计 划，依托全集团科创协同优势，聚焦科技企业全生命周期需求，打造专业化服务能力。 青岛分行落实总行战略，全力打造科技（特色）支行布局建设，积极参与人民银行青岛市分行科技金融 特色支行评选活动，将科技（特色）支行打造为金融资源精准对接科技创新需求的"前沿哨所"。 在评选活动中，浦发银行青岛分行的香港东路科技支行与城阳支行，从全市68家 ...

Core Viewpoint - The introduction of "Puxin Loan" by Shanghai Pudong Development Bank provides a significant opportunity for small and micro enterprises to overcome financing challenges, with a maximum credit limit of 30 million yuan tailored for technology and innovation-driven businesses [3][4]. Group 1: Loan Features - "Puxin Loan" offers a maximum credit limit of 30 million yuan, specifically designed for technology and innovation-oriented small and micro enterprises [3]. - The annual interest rate starts as low as 3.16%, benefiting from national interest subsidy policies, representing a reduction of over 40% compared to traditional financing costs [3]. - The loan has flexible terms ranging from 1 to 5 years, with various repayment options such as "interest first, principal later" and "equal principal and interest" [4]. Group 2: Application Process - The loan application requires no collateral; it only needs the tax records of the past two years, allowing compliant taxpayers to access financing easily [6]. - The approval process is expedited, with funds disbursed within three working days through a fully digital operation [6]. Group 3: Market Context - The current national interest subsidy policy and inclusive finance benefits are being released simultaneously, with a deadline approaching in 2025, urging eligible enterprises to secure low-interest loans promptly [6][7].