Core Insights - The Bank of Communications Shandong Branch provided a 10 million yuan pure credit loan to a national-level specialized and innovative "little giant" enterprise in Shandong, alleviating the financial pressure on the company for R&D and capacity upgrades [1][2] - The "Kechuang Qilu Loan" product was innovatively launched to cater to the characteristics of technology-based enterprises, utilizing six unique assessment methods to meet the financing needs of companies at different growth stages [1][2] - The supported enterprise specializes in the R&D, manufacturing, sales, and maintenance of new energy locomotives, having developed the first battery-powered intelligent locomotive, which fills a gap in the industry [1][2] Financing and Service Efficiency - The Bank of Communications Rizhao Branch quickly formed a dedicated service team to assess the enterprise's technical capabilities and financing needs, completing the entire loan approval process in just three working days [2] - The enterprise's representative expressed that the bank's efficient financial services provided crucial support for their technological breakthroughs and market expansion [2] - Since the launch of the "Kechuang Qilu Loan," over 2,000 technology-based enterprises have been served, with loans exceeding 10 billion yuan, earning multiple honors for financial innovation [2] Future Outlook - The Bank of Communications Shandong Branch plans to deepen its technology financial service mechanisms and enrich its product offerings to continuously inject financial momentum into technological innovation and industrial upgrades in Shandong [2]

科技金融是推动我国金融高质量发展必须要做好的"五篇大文章"之一，有关领导高度重视科技创新工 作，多次围绕加快实施创新驱动发展战略、提升科技自立自强能力发表讲话。交通银行作为国有大行， 始终胸怀"国之大者"，积极践行国家科技强国战略，主动担当起科技金融主力军的使命，集全集团之力 写好科技金融大文章。 交通银行山东省分行坚决落实总行工作部署，躬身入局，汇聚合力，积极搭建银企沟通桥梁，协助打通 科技成果供给、需求两端，在供给端、需求端、服务端做好对科技型企业全生命周期的赋能服务。2023 年初，交通银行山东省分行整合公司、普惠、审批、风险、投行、国际等条线专业人才，成立科技金融 柔性团队，10月组建科技金融专班。专班组建后，积极构建数字化产品体系、场景体系、增信体系、风 控体系，形成"全生命周期、全产品生态、全流程闭环"的"交银科创"科技金融展业新模式，从行业研 究、客户准入、产品设计、授信审批、风险防控等环节入手，探索服务科技奖补资金监管、科技股权投 资、科技企业融资与结算、科技人员代发工资与增值服务等全生命周期，打造山东省"交银科创"科技金 融数字化服务体系。 深化模型应用，打造数字化产品体系 交通银行山东省分 ...

Core Viewpoint - The Bank of Communications Shandong Branch has innovatively developed the "Sci-Tech Qilu Loan" brand to address the financing difficulties faced by technology enterprises, benefiting over 2,000 companies and approving loans exceeding 7 billion yuan within a few months of its launch [1][10]. Group 1: Financial Innovation and Support - The Bank of Communications, established in 1908, is one of China's oldest banks and has been a key player in providing diversified financial support to the real economy [2]. - The Shandong Branch has formed a specialized team focusing on technology finance, targeting four key sectors: new generation information technology, biomedicine, new energy materials, and high-end equipment [2]. - A comprehensive strategic cooperation agreement with the provincial science and technology department has led to the introduction of a technology finance pre-review mechanism, enhancing the entire lifecycle financial services for technology enterprises [2]. Group 2: Loan Products and Performance - The Shandong Branch has established business relationships with nearly 7,000 technology enterprises, with a loan balance exceeding 50 billion yuan, and has disbursed over 30 billion yuan in loans to more than 2,000 technology enterprises this year alone [3]. - The "Sci-Tech Qilu Loan" is an innovative online credit loan product launched in early 2024, which has been recognized as a 2025 "Good Financial - Technology Finance" innovative product [9]. - The loan approval process is streamlined, with a maximum credit limit of 20 million yuan and a loan term of up to 3 years, allowing for rapid disbursement within one day [9]. Group 3: Case Studies and Product Upgrades - Successful case studies include providing a 2.76 million yuan loan to a new materials company affected by trade tensions and a 2.61 million yuan loan to a biotechnology company lacking financing experience [11]. - The upcoming "Sci-Tech Qilu Loan 2.0" version will enhance flexibility in guarantee methods and improve the efficiency of loan renewals, set to launch by the end of June [11]. - The Bank of Communications Shandong Branch aims to continuously improve the quality and efficiency of its technology finance services, expanding financing channels for technology enterprises [12].

交通银行山东省分行积极服务国家创新驱动发展战略，围绕深入推进科技金融转型，着力实施"稳大、 强中、扩小"的客户经营策略，从行业研究、客户准入、产品设计、授信审批、风险防控等环节入手， 为企业定制一揽子专属综合金融服务方案，引导金融资源更多向"硬科技"领域聚集，逐渐形成科技金融 山东交行特色。 优化体制机制精准选定行业 交通银行山东省分行进一步发挥金融的桥梁纽带作用，围绕与科创企业紧密相关的产业链、科创圈、科 技园，为山东省科技型企业搭建"朋友圈"。该行积极对接政府部门，争取合作资格，与山东省有关部门 签署全面战略合作协议，获得"科融信"平台首批试点合作银行和"拨投贷"资金监管行资格，独家获取有 关部门科技立项评审委员会委员席位。综合分析科技奖补专项资金、投资机构业务需求，创新开发上 线"交银科创科技资金服务平台"，已推动省有关部门"拨投结合""先投后股"专项资金监管落地和济南产 发投资集团签约上线，实现银政企场景合作突破。积极对接省有关部门科融信平台、知识产权公共服务 平台、"爱山东"政府服务平台等，向平台海量客户投放产品链接广告。与科创促进中心、行业协会、投 资机构等深度合作，达成"齐鲁企舞""海右路演"等 ...