浙商银行青岛分行以"一流的商业银行"愿景为统领，根植青岛，深入贯彻金融的政治性、人民性，积极支持区域实体经济高质量发展。截至2024年末，各项存款263亿元，各项贷款207亿元，累 浙商银行青岛分行聚焦"新、全、专、久"四维发力，全力构建科创企业服务新生态：力推"资产池""跨境池""电费白条"等创新产品，精准赋能初创企业成长；深度融合总行金融顾问与地方"春 在国家创新驱动发展战略和科技强国目标指引下，浙商银行青岛分行全力推行"星火计划"科创金融专项服务行动。该计划以"全周期、全方位、全链条"综合金融服务为核心，通过创新金融产品 创新政策赋能 破解融资难题 浙商银行青岛分行充分运用总行专项授权政策，重点服务国家级制造业单项冠军、专精特新"小巨人"、高新技术企业等创新主体。通过信用授信、FTP定价优惠、信贷资源倾斜等差异化政策，有 青岛分行创新推出"数科贷""科创贷""专精特新贷"等专属金融产品，针对企业不同成长阶段的融资需求，提供定制化解决方案。其中，"数科贷"产品为符合条件的小微企业提供最高300万元纯 服务模式升级 打造专业护航体系 浙商银行青岛分行创新构建"1+1+N"专业服务模式，由产品经理、客户经理与 ...

Core Viewpoint - Zhejiang Merchants Bank Shanghai Branch is committed to supporting the private economy by implementing various financial support policies and enhancing financial services for private enterprises [1][7] Group 1: Support for Private Enterprises - The bank actively reduces financing costs for private enterprise clients by implementing differentiated pricing strategies, offering loan interest rate discounts, and expanding the coverage of fee reductions [1] - The bank promotes seamless loan renewals and expansions, adhering to the requirements of the national financial supervision authority to enhance the coverage of seamless loan renewals for small and micro enterprises [1] - The bank is focused on reducing the financial burden on private enterprises by waiving various fees and costs associated with banking services [1] Group 2: Integrated Financial Services - The bank accelerates the reform of integrated financial services centered on customer needs, utilizing a comprehensive service model that combines commercial banking, transaction banking, investment banking, and private banking [2] - The bank enhances collaboration between small and large enterprises by leveraging cross-departmental coordination and providing comprehensive financial services through joint marketing and project collaboration [2] - The bank supports private enterprise bond issuance, particularly through risk mitigation instruments, to improve market acceptance and reduce financing costs [2] Group 3: Financing Service Mechanisms - The bank aims to establish effective financing service mechanisms by enhancing cooperation with government-backed financing guarantee companies to provide better financial services for small and micro enterprises [3] - The bank conducts extensive outreach and research activities to address the urgent needs of private clients, ensuring a responsive organizational structure to meet market demands [3] Group 4: Digital Financial Ecosystem - The bank is developing a comprehensive digital financial service model that integrates digital reform with practical applications to create a collaborative digital ecosystem for supply chain financing [4] - The bank is focused on leveraging data value by utilizing digital financial platforms to provide services to underserved groups and enhance credit data applications [5] Group 5: Service System and Risk Control - The bank is simplifying approval processes to improve service efficiency, aiming to reduce unnecessary steps and shorten loan approval times for private enterprises [6] - The bank is enhancing resource allocation and incentive mechanisms to direct more credit resources towards private enterprises, particularly in manufacturing and green finance [6] - The bank is optimizing risk control strategies by focusing on the primary repayment sources and reducing reliance on collateral, while enhancing credit information sharing with government and industry associations [6]