近日，国家外汇管理局青岛市分局公布2025年度外汇业务合规与审慎经营评估结果，青岛农商银行凭借 扎实的合规管理、专业的跨境服务能力，再次斩获"A类银行"称号。这也是青岛农商银行在国家外汇管 理局青岛市分局的指导与支持下，连续第12年获此殊荣。 深耕本土市场多年，青岛农商银行以产品创新回应企业跨境金融需求。针对中小微外贸企业"融资难、 融资贵"问题，围绕企业海关、国际结算等数据推出"外贸易贷"，累计发放融资款项4.36亿元；围绕原 产地证业务数据推出"贸信e贷"，累计发放融资款项1148万元；引入转贷款专项资金支持，推出"外贸提 振贷"，累计发放融资款项7亿元。聚焦"一带一路"合作机遇，创新推出"中巴清算直通车"，累计为76家 企业办理业务金额超千万美元，为企业开拓南亚市场搭建高效结算桥梁。在普惠金融领域持续突破，落 地全省首笔"单一窗口"线上三方赔转协议"银信融"业务，创新实现保单融资三方协议"线上秒签"，大幅 提升小微企业融资效率，让金融服务更具温度与速度。 合规根基筑牢：为业务发展保驾护航 合规是金融业务的生命线。青岛农商银行严格落实"了解客户、了解业务、尽职审查"展业三原则，深刻 把握"实质真实"核心要 ...

Core Insights - Qingdao Financial Regulatory Bureau has established a comprehensive foreign trade financial service ecosystem to address the financing difficulties faced by foreign trade enterprises, achieving significant results in loan issuance and export credit insurance [1][2]. Policy Foundation - The bureau has created a collaborative service system that includes demand assessment, resource matching, and effectiveness tracking to facilitate financial resource flow to foreign trade enterprises [1]. - A working group focused on foreign trade has been established under the micro-financing coordination mechanism, which has identified 26,400 foreign trade enterprises for targeted services [2]. Institutional Efforts - Financial institutions have actively responded to policies, with the Export-Import Bank of China’s Shandong branch aiming to exceed 100 billion yuan in foreign trade loans by June 2025, significantly boosting the province's foreign trade [2][3]. - The Bank of Communications Qingdao branch has launched innovative international business products to streamline cross-border transactions for 808 enterprises in 2024 [2]. Technological Empowerment - Qingdao Rural Commercial Bank has integrated technology into its services, utilizing trade data for credit assessments and offering digital products like "Tariff e-loan 2.0" and "Trade Credit e-loan" [3]. - The bank has successfully issued 265 million yuan in loans to 33 enterprises since the launch of the "Trade Credit e-loan" in 2024, demonstrating the effectiveness of data-driven financial solutions [3][4].

Core Viewpoint - The article highlights the resilience and vitality of China's foreign trade, showcasing the role of Qingdao Rural Commercial Bank in supporting small and micro foreign trade enterprises through innovative financial services and products [1][2][10]. Group 1: Foreign Trade Growth - China's foreign trade has shown remarkable growth, with electric vehicle exports increasing by 19% in the first five months of the year, and imports and exports to ASEAN and Africa growing by 9.1% and 12.4% respectively [1]. - The bank has supported over 13,000 foreign trade enterprises, nearly half of the total in Qingdao, demonstrating its significant impact on the local economy [2]. Group 2: Financial Innovation - Qingdao Rural Commercial Bank has introduced various innovative financial products, such as the "China-Pakistan Clearing Express" which offers up to 75% savings on transaction fees for cross-border settlements [2][5]. - The bank's "Foreign Trade Boost Loan" allows enterprises to apply for loans without collateral, providing financing support through credit and intellectual property pledges [5][6]. Group 3: Digital Transformation - The bank has integrated foreign trade data into its credit assessment system, transforming previously unused data into valuable assets for financing [6][7]. - The "Tariff e-loan 2.0" product has supported 1,379 enterprises with a total credit limit of 405 million yuan, showcasing the effectiveness of data-driven financial solutions [6]. Group 4: Risk Management - Qingdao Rural Commercial Bank emphasizes a balanced approach to risk management, implementing a comprehensive risk control system while maintaining rapid business growth [8][9]. - The bank has established a differentiated credit policy based on industry and development stage, ensuring tailored financial services for small and micro enterprises [9]. Group 5: Future Outlook - The bank aims to deepen its focus on supporting agriculture and small enterprises while leveraging its advantages in international business to create a resilient cross-border financial ecosystem [10][11]. - The commitment to digital finance and expanding cross-border services is expected to enhance the bank's role as a financial partner for small foreign trade enterprises [10].

Core Viewpoint - The article emphasizes the strong support for the high-quality development of the private economy, highlighting the proactive measures taken by financial institutions, particularly Qingdao Rural Commercial Bank, to assist private enterprises in their growth and international expansion [1]. Financial Support for Private Enterprises - In 2024, Qingdao Rural Commercial Bank plans to support the private economy with a funding limit exceeding 110 billion yuan and aims to serve over 4,400 private enterprise clients [1]. - The bank's commitment reflects its mission of "financial service for the nation and the people," especially in the context of the changing international landscape [1]. International Business Development - Qingdao Rural Commercial Bank has been a key player in supporting international trade, serving over 12,000 international trade enterprises, which accounts for more than half of the city's total [1]. - The bank's international settlement volume has surged from 3.9 billion USD in 2012 to 26 billion USD in 2024, marking a nearly sevenfold increase [1]. Competitive Advantages - The bank's international business is characterized by four main advantages: speed, favorable rates, comprehensive product offerings, and attentive service, which contribute to its leading position in the industry [2]. Client Testimonials and Product Offerings - Clients have expressed satisfaction with the bank's timely financial support, highlighting its diverse product offerings and superior service quality [3]. - Qingdao Rural Commercial Bank has developed over 100 products across seven categories to meet the specific needs of private enterprises, including various financing solutions [3]. Policy Implementation and Service Quality - The bank actively implements national foreign exchange management policies, ensuring that relevant information reaches enterprises effectively, thereby enhancing service convenience [3]. - The bank has upgraded its international business department to a transaction banking department to provide comprehensive financial support for import and export enterprises [6]. Recognition and Awards - Qingdao Rural Commercial Bank has received numerous accolades for its service quality, including being rated A-level in national foreign exchange policy assessments for 11 consecutive years and ranking among the top 100 in the national interbank foreign exchange market for 12 years [6]. Conclusion - As a representative of local financial institutions, Qingdao Rural Commercial Bank aims to continue supporting private enterprises in their international endeavors, ensuring a smoother and broader path for their growth [6].