来源：泰山财经 普惠金融是滋养实体经济的"源头活水"，是践行金融"五篇大文章"的关键抓手。为全面展现山东金融机构在普惠金融领域的创新实践与担当作为，泰山财 经、山东齐鲁普惠金融研究院联合开展"山东普惠金融典型新闻案例"征集活动，经过系列流程筛选，最终选出十个典型新闻案例。 这些案例覆盖乡村振兴、小微企业发展、产业链协同、民生保障等多个重点领域，以创新举措破解融资痛点，用实效成果书写普惠篇章，为山东普惠金融 高质量发展提供了可复制、可推广的实践样本。 这些案例作为代表生动诠释了山东普惠金融在产品创新、服务优化、模式探索、数字化转型等方面的丰硕成果。下一步，泰山财经和山东齐鲁普惠金融研 究院将通过全媒体平台做好专题报道，持续搭建金融机构交流展示平台，推动普惠金融理念深入人心，让金融"活水"持续浸润齐鲁大地，为山东经济高质 量发展注入不竭动力。 案例一：中国工商银行山东省分行"信贷直通车"——党建引领，搭建金融助农桥梁 "手机点点，贷款到账，种蒜黄的本钱再也不用愁了！"淄博市沂源县小水村村民孟祥军的感慨，道出了工商银行山东省分行"信贷直通车"的惠民实效。 针对涉农贷款信息不对称、流程烦琐、担保难等痛点，工商银行山东 ...

Core Insights - Yantai Financial Regulatory Bureau is focusing on implementing national work deployments, enhancing services for the real economy, and promoting "technology finance" among large banks in the region [1] Group 1: Technology Financial Ecosystem - Yantai Financial Regulatory Bureau is building a new technology financial ecosystem through measures such as discussions, regular monitoring, and differentiated regulation [1] - By the end of November 2025, the balance of technology loans from large banks in the region is expected to exceed 140 billion yuan, a 27% increase from the beginning of the year [1] - The number of existing loan accounts has surpassed 5,000, reflecting a 35% growth since the start of the year [1] Group 2: Policy Guidance and Support - The bureau has expanded the pilot scope of financial asset investment company equity investments to the entire province, collaborating with the Yantai Municipal Finance Bureau to issue guidance on these investments [1] - The Traffic Bank Yantai Branch has successfully helped three enterprises pass the investment rating system under the "New Seed Plan" [1] Group 3: Modern Industrial System Development - The bureau is guiding large banks to assist in building a modern industrial system in Yantai, promoting the quality and expansion of technology credit [1] - The Construction Bank Yantai Branch has developed a "technology flow" evaluation system covering 80% of technology enterprises in the region [1] - The Agricultural Bank Yantai Branch has increased the promotion of innovative products and services, with technology loans rising by 3.212 billion yuan, ranking first among provincial Agricultural Bank systems [1] Group 4: Multi-layered Service System - Large banks in the region have established specialized institutions and teams for technology finance [2] - The Postal Savings Bank Yantai Branch has been selected as a pilot branch for technology financial services [2] - The Industrial and Commercial Bank Yantai Branch has approved 200 million yuan in technology enterprise merger loans, being the first in the city to do so [2] Group 5: Comprehensive Financial Services - The bureau supports the implementation of innovation-driven development strategies, encouraging large banks to provide comprehensive financial services for technology enterprises [2] - The Traffic Bank Yantai Branch has expanded the proportion of merger loans in technology enterprise acquisition transactions to a maximum of 70%, with loan terms extended to no more than seven years [2]

Core Viewpoint - Agricultural Bank of China Shandong Branch is committed to serving rural revitalization and has established multiple demonstration zones to support various regional economic initiatives, achieving significant social impact and recognition in financial assessments [1][2]. Group 1: Rural Revitalization Initiatives - The bank has created several demonstration zones, including Weifang, Linyi, Dongying, Heze, and Yantai, each focusing on different themes such as ecological protection, food security, and marine economy [1][2]. - It has introduced specialized financial products like "Grain Farmer e-loan," "Golden Garlic Loan," and "Pomegranate e-loan" to support agricultural production and rural development [1]. Group 2: Green Finance Development - The bank has implemented a "Green Finance Service System" to promote sustainable development, with green credit balance exceeding 3178 billion yuan, marking a 16.5% increase from the beginning of the year [3]. - The proportion of green loans in total loans has surpassed 25%, reflecting the bank's commitment to environmental sustainability [3]. Group 3: Inclusive Finance - Agricultural Bank of China Shandong Branch has developed a comprehensive digital inclusive finance product system, addressing the financing challenges faced by small and micro enterprises [3]. - As of May, the balance of inclusive loans reached 1837 billion yuan, with an annual increase of 252 billion yuan, serving over 285,000 small and micro clients [3]. Group 4: Elderly Financial Services - The bank has launched the "Agricultural Bank Pension" service brand, offering products like "Pension e-loan" and establishing senior-friendly service points [5]. - It has issued over 23 million social security cards and served more than 12 million elderly clients, with 1.6 billion yuan in loans allocated to the pension industry in the first five months of the year [5]. Group 5: Collaboration with Government and Enterprises - The bank emphasizes cooperation with government and enterprises to enhance financial service delivery, particularly through the "Financial Directly Reaching the Grassroots" initiative [6][9]. - It has successfully streamlined approval processes, significantly improving efficiency and facilitating a loan of 25 million yuan to support a key enterprise [9].