金秋时节，齐鲁大地五谷丰登、瓜果飘香。近年来，工商银行山东省分行以金融之力服务乡村振兴—— 截至8月末，该行涉农贷款余额突破3540亿元，较年初增幅11%；农户贷款余额超860亿元，惠及27万农 户,……一组组数据背后，是金融活水精准滴灌"三农"领域的生动实践，更是工商银行山东省分行服务 乡村振兴战略的责任担当。 深耕产业根基 筑牢粮食安全"压舱石" 重点项目是撬动农业产业发展的战略支点和核心引擎。工商银行山东省分行精准对接山东优势特色农业 全产业链提质增效试点工程，持续加大对县域乡村设施农业、农田水利、道路交通、物流通信、供水供 电、人居环境整治等重点项目的支持力度。截至8月末，农村基础设施建设贷款余额超800亿元，较年初 增加130亿元，为农业现代化装上"金融引擎"。依托"龙头企业+农民合作社+农户"等模式，服务产业链 上下游农业主体，激发产业链条的联农带农效应，面向新型农业经营主体提供"融资、融智、融商"一体 化综合服务。截至8月末，工商银行山东省分行新型农业经营主体贷款余额超270亿元，省级及以上农业 龙头企业服务率超65%。 工行威海分行支持环翠区某现代农业 种植项目基地建设 聚焦特色区域 打造乡村 ...

近年来，山东工行坚持党建引领、推进"五化"转型，纵深实施"双357"战略，团结一心、奋勇拼搏，在 服务现代化强省建设中推进经营加快向好，交出成色十足的工作答卷，有力满足了人民群众和实体经济 多样化的金融需求。 追"新"逐"质" 因地制宜服务新质生产力发展 在全球科技革命与产业变革加速的背景下，"新质生产力"成为推动中国经济转型升级的核心引擎。山东 工行聚焦科技创新、智能制造等新质生产力关键领域，制定助力发展新质生产力实施规划，用好科技金 融专营机制，通过推动科技创新与大规模设备更新为培育新动能、构建现代化产业体系注入强劲金融动 力。 服务好科技创新和大规模设备更新是一项系统工程，山东工行积极尝试探索，在省委金融办和各行业主 管部门的指导帮助下，紧抓重要窗口期，用好政策工具，把支持科技创新与大规模设备更新同发展新质 生产力有机结合起来，聚焦科技创新、产业升级、中小微企业培育等领域，实现了对新质生产力的精准 滴灌，形成了一批具有示范意义的实践成果。 在科技创新贷款方面，推出山东工行特色"科创e贷""积分贷""科创研发贷"等创新场景，借助山东省科 技成果转化贷款和"人才贷"分险增信机制，开展千企万户大走访、科技型企 ...

Core Insights - The article highlights the initiatives taken by the Shandong branch of the Industrial and Commercial Bank of China (ICBC) to support high-quality financial services that drive economic and social development, particularly in technology innovation and green finance. Group 1: Financial Services for Technology Innovation - Shandong ICBC has developed a comprehensive plan to support new productive forces, focusing on technology innovation and large-scale equipment upgrades, with strategic emerging industry loans exceeding 200 billion yuan, ranking first in the industry as of May 2025 [2][3]. - The bank has introduced various innovative loan products such as "Sci-Tech e-loan," "Points Loan," and "Sci-Tech R&D Loan" to meet the financing needs of technology enterprises [3]. Group 2: Equity Investment and Collaboration - Shandong ICBC has actively participated in the "Financial Direct to Grassroots Acceleration" initiative, approving loans exceeding 169.5 billion yuan for 355 projects across 14 cities, with a total disbursement of over 60 billion yuan [4]. - The establishment of the Jinan Gongrong Guohui Equity Investment Fund, with a total scale of 1 billion yuan, aims to invest in strategic emerging industries within Shandong province [4][5]. Group 3: Green Finance Initiatives - The bank has launched innovative green financial products, such as marine carbon sink expected revenue rights pledge loans, to enhance financing channels for enterprises while promoting ecological sustainability [6][7]. - The "Lushan Bay Oyster Integration Development Demonstration Zone Project" received a 50 million yuan loan, marking the first marine carbon sink expected revenue rights pledge loan in Shandong province [7]. Group 4: Inclusive Finance for Small and Micro Enterprises - The "Qilu Xingnong Loan" product, tailored for agricultural needs, has seen a loan balance exceeding 6.3 billion yuan, with a growth rate of over 38% since the beginning of the year [8]. - The bank has implemented an automated and streamlined approval process for financing applications, enhancing accessibility for small and micro enterprises [8]. Group 5: Elderly Care Financial Services - The "Silver Industry Cloud" platform provides a comprehensive range of financial services for the elderly, integrating various aspects of elderly care and management [9]. - The platform aims to enhance operational efficiency and service quality in elderly care institutions, with plans to add 43 new clients by 2025 [9]. Group 6: Digital Financial Innovations - Shandong ICBC has developed a "Smart Agricultural Service Platform" based on open banking and digital currency smart contracts, providing integrated financial services for rural revitalization [10][11]. - The platform addresses key issues such as online business operations and fund supervision, significantly improving transaction efficiency and control [11].