Core Viewpoint - The article highlights the financial support provided by China Construction Bank's Leshan branch to the "Emei Mountain Tea" industry, which is crucial for the livelihoods of 150,000 tea farmers and the rural revitalization in Leshan, Sichuan [1][2]. Group 1: Industry Overview - Leshan's tea industry, particularly the "Emei Mountain Tea," generates over 15 billion yuan in value and is supported by 500,000 acres of high-quality tea plantations [1]. - The industry involves various segments including cultivation, processing, and trade, employing over 150,000 individuals [1]. - The "Emei Mountain Tea" brand has gained national recognition with products like "Bamboo Leaf Green" and "Emei Snow Bud" [1]. Group 2: Financing Solutions - The "Emei Mountain Tea Industry Customer Good Operation Loan" is a new financing model that relies on credit rather than collateral, simplifying the credit approval process [2]. - This loan is designed to meet the temporary funding needs of small and micro enterprises and individual tea farmers during critical periods such as procurement and technological upgrades [2]. Group 3: Service Innovations - The "Good Operation Loan" addresses the financing challenges faced by stable operating entities, while a new "File Establishment Loan" targets individual tea farmers and small processing plant owners who primarily engage in cash transactions [4][6]. - The bank's team conducts on-site visits to collect and verify operational information from farmers, creating detailed "personal information cards" that serve as the basis for credit assessments [6]. Group 4: Industry Empowerment - Sichuan Emei Mountain Bamboo Leaf Green Tea Co., Ltd. is identified as a leading enterprise in the "Emei Mountain Tea" sector, driving the upgrade of the entire industry chain [7]. - The bank has provided financing solutions for the construction of a comprehensive tea industry park, which will include research, sales, and cultural experiences [7][9]. - Financial support from the bank has facilitated improvements in tea cultivation, processing, and sales, enhancing productivity and brand influence [9].

Core Insights - The article emphasizes the role of China Construction Bank's Qingdao branch in providing tailored financial services to support technology enterprises, particularly small and micro enterprises, through innovative products like "Shan Ke Loan" [1][2][3] Group 1: Financial Products and Services - The "Shan Ke Loan" product is designed to address the financing challenges faced by technology enterprises, offering a quick approval process and competitive interest rates [2][3] - As of April 2025, the Qingdao branch has issued over 14 billion yuan in loans to small and micro enterprises, demonstrating a commitment to inclusive financial services [1][2] - The bank has developed a diverse range of financial products, including over 30 sub-products under the categories of "Small Micro Quick Loan," "Personal Business Quick Loan," and "Small Micro Shan Loan" [2][3] Group 2: Support for Technology Enterprises - The Qingdao branch provides comprehensive financial services throughout the lifecycle of small and micro technology enterprises, ensuring a supportive environment for growth [3][4] - The bank has successfully assisted companies like Qingdao Jinnuo Technology Co., Ltd. in securing loans that facilitate production upgrades and team expansions, enhancing operational capabilities [2][3] - The bank's support extends to supply chain financing solutions, addressing cash flow issues for companies facing slow payment cycles [4][5] Group 3: Collaboration and Ecosystem Development - The bank fosters collaboration between government, enterprises, and financial institutions to create a supportive ecosystem for technological innovation [6][7] - A recent event in collaboration with local government saw over 60 technology enterprise representatives engage with the bank, resulting in multiple strategic cooperation agreements [6][7] - The bank employs a dual-evaluation system to assess the "soft strengths" of technology enterprises, converting intangible assets into creditworthiness for financing [6][7] Group 4: Growth Metrics - The loan balance for technology enterprises and related industries surpassed 50 billion yuan in 2024, with the bank leading in loan growth among major banks in the region [5][6] - The Qingdao branch has served over 2,000 technology enterprises, contributing significantly to the city's technological innovation and development goals [5][6]