Core Insights - Zheshang Bank's Qingdao Branch aims to become a "first-class commercial bank" by supporting the high-quality development of the regional real economy, with total deposits of 26.3 billion and loans of 20.7 billion by the end of 2024 [1] Group 1: Financial Products and Services - The bank focuses on innovation with products like "Asset Pool," "Cross-border Pool," and "Electricity Bill White Bar," designed to empower startups [1] - The "Spark Plan" is a comprehensive financial service initiative that offers all-cycle, all-dimensional, and all-chain support for innovation-driven enterprises [1] - New financial products such as "Digital Science Loan," "Innovation Loan," and "Specialized and New Loan" are tailored to meet the financing needs of businesses at different growth stages, with the "Digital Science Loan" offering up to 3 million for eligible small and micro enterprises [1] Group 2: Service Model and Team Structure - The bank has developed a "1+1+N" professional service model, consisting of product managers, client managers, and risk review specialists, to provide personalized financial services [1] - A dedicated inclusive finance team has been established to ensure seamless integration from client engagement to business implementation, providing continuous and stable financial support [1] Group 3: Digital Transformation and Innovation - The bank has launched the "Electricity Bill White Bar" service to meet the high-frequency payment needs of innovation enterprises, allowing for instant credit approval through the "State Grid APP" [2] - A digital service ecosystem is being built by integrating financial technology, focusing on key industries such as smart home appliances and high-end chemicals [2] - The bank has achieved 100% online processing for international business, enabling companies to complete global financial transactions without leaving their premises [2]