转自：新华财经 未来，邮储银行青岛分行将继续打磨服务细节，让金融不仅是资金支持，更成为个体工商户敢闯敢干 的"底气"，为青岛经济的"烟火气"注入更持久的生命力。（蒋芳） 编辑：赵鼎 以"靶向劲"破解发展痛点，让资源对准商户真需求。个体工商户需求多元，"一刀切"的服务模式难以适 配。邮储银行青岛分行将"政银联动"作为破局关键，各支行行长每月带队走访市场监管局、工商联、行 业协会，既精准把握最新产业政策，又收集优质商户名录，告别"大海捞针"式盲目营销。在此基础上， 该行以二级支行为单位深耕重点市场及网格特色行业，实施差异化服务策略。针对餐饮服务类商户现金 流高频、季节性波动大、缺乏抵押、用款急的特点，匹配纯信用"产业贷"，单户最高授信可达100万 元，且支持随借随还；面对零售批发类商户存货周转快、账期不稳、融资成本敏感的问题，提供供应链 金融支持，搭配零手续费聚合支付服务。 以"渗透劲"打通宣传链路，让政策走进商户视野。邮储银行青岛分行将线下场景作为宣传主阵地，善于 借"外力"搭平台：一方面依托政府资源，在市场监管部门、工商联举办的商户培训会上，把专业金融政 策转化为"商户听得懂的干货"；另一方面借助商户力量，通 ...

Core Insights - The increasing penetration of digital payments has made aggregation payment a fundamental infrastructure for commercial transactions, but some service providers are neglecting the importance of regulatory compliance, leading to significant operational risks and barriers to market access [1][2] Regulatory Compliance - Aggregation payment service providers must complete registration to operate legally, as per the "Administrative Measures for Payment Business of Non-Bank Payment Institutions" and local financial regulations [1] - Non-compliant entities face three major risks: administrative penalties ranging from 100,000 to 1 million yuan, business disruptions due to inability to partner with licensed payment institutions, and credit sanctions affecting future financing and qualifications [1] Market Operations - Non-compliance can trigger a chain reaction of operational crises, including loss of partnerships with major clients like state-owned enterprises, potential delays in fund settlement, and damage to brand reputation due to negative publicity [1][2] - Major app stores have made compliance a prerequisite for app listing, leading to three restrictions for non-compliant applications: rejection of new app submissions, mandatory removal of existing non-compliant apps, and functional limitations affecting user experience [2] Support Services - Companies like Shandong Hanglvtong Electronic Technology Group provide comprehensive management services to help payment service providers navigate the complex registration process, ensuring compliance and facilitating efficient market access [2][3] - The importance of compliance is emphasized as a survival baseline for the aggregation payment industry, with a call for service providers to leverage professional support to achieve rapid compliance transformation [3]