Core Insights - Qilu Bank has implemented a targeted financial solution called "Bearing Village Loan" in Linqing, known as the "hometown of bearings," to support local industries through a "one county, multiple products" model [1][2][3] - The bank has established itself as a significant player in promoting regional economic development, with a total inclusive finance loan balance exceeding 79.5 billion yuan in the first half of the year [1][4] Group 1: Innovative Financial Products - The "One County, Multiple Products" inclusive finance model is a key highlight of Qilu Bank, which customizes financial solutions based on local industry characteristics [2] - The "Yellow River Sheep Breeding Loan" has been successful in supporting local sheep farmers in Dongying, with an annual output exceeding 3 million sheep and a total industry value surpassing 11 billion yuan [2][3] - The "Bearing Village Loan" targets small and micro enterprises in the bearing industry in Linqing, providing flexible loan conditions and favorable interest rates to meet local funding needs [3][4] Group 2: Risk Control Mechanisms - Qilu Bank has developed a collaborative risk-sharing mechanism with government and guarantee institutions to address the challenges of inclusive finance [6][8] - The "Jinan Guarantee - Vitality Loan" is an innovative policy-based financial product that provides interest and guarantee fee subsidies from the government, marking a new model of inclusive finance [6][7] - The bank's Qingdao branch has signed cooperation agreements with local guarantee groups, expanding its financing guarantee business to over 420 clients with a balance of nearly 600 million yuan [7] Group 3: Community Engagement and Financial Education - Qilu Bank extends its services beyond credit support to include financial education and customer care, demonstrating its commitment to social responsibility [9][10] - The bank conducts anti-fraud knowledge seminars for vulnerable groups, such as sanitation workers and the elderly, to enhance their financial risk awareness [9] - Customer care initiatives include personalized services, such as assisting elderly clients with social security card applications at their homes, showcasing the bank's dedication to customer-centric service [10] Group 4: Future Outlook - Qilu Bank aims to continue innovating its products and service models to enhance the breadth, depth, and warmth of inclusive finance, contributing to rural revitalization and high-quality development in Shandong [10]