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Recently, Qilu Bank's Pingyi Sub-branch in Linyi successfully granted a "Grain Expected Revenue Right Pledge Financing" loan to a local agricultural machinery cooperative. This innovative financial service model helps agricultural businesses overcome financing challenges, injecting financial vitality into rural revitalization.
To ensure the product precisely meets the practical needs of the agricultural sector, Qilu Bank's Linyi Branch's dedicated team held multiple discussions on key issues such as risk prevention mechanisms, operational standards, and regional adaptability. The approach not only strictly adheres to regulatory requirements, but also aligns with the characteristics of regional agricultural production, laying a solid foundation for the successful implementation of the project.
The cooperative that received the credit support is the backbone of local agricultural production. With professional agricultural machinery services and mature planting experience, it plays a significant role in driving agricultural efficiency and increasing farmers' incomes. Previously, the cooperative faced a funding gap due to plans to expand production scale.
This new financing model transforms expected grain revenue into effective credit enhancement through reasonable value assessment, addressing the lack of collateral and guarantees for grain growers when seeking bank financing. At the same time, it provides security for the bank's credit assets, effectively resolving the "financing difficulties".
This initiative represents another bold attempt by Qilu Bank to explore financial support for rural revitalization. Liu Zhijun, a representative of the cooperative, expressed confidence in the new financing model, stating that they will make full use of the funds to expand operations and further enhance agricultural production efficiency.
As a key financial force serving local economic development, Qilu Bank's Linyi Branch regards this business innovation as an important step to practice inclusive finance and support rural revitalization. Looking ahead, Qilu Bank's Linyi Branch will continue to leverage the advantages of Linyi's Pilot Reform Zone for Inclusive Financial Services to Support Rural Revitalization, exploring new pathways for agricultural financial services.
The branch aims to provide high-quality and efficient financial support to more agricultural businesses, empowering agricultural modernization through financial innovation.
In recent years, the city of Binzhou in China's Shandong province has sought to cultivate a fertile environment for innovation by fostering a sci-tech ecosystem characterized by "government leadership, enterprise initiative, institutional proactivity, talent-driven efforts and market orientation".
Authorities in Binzhou have pursued the integration of industrial and innovation chains, leveraging a high-quality sci-tech ecosystem to shape new development advantages. Against this backdrop, the Binzhou branch of Qilu Bank has worked towards the innovation of its service models and optimized business processes, channeling targeted financial resources into the sci-tech innovation sector to help small and medium-sized enterprises (SMEs) achieve leapfrog development from "small and refined" to "large and strong".
To enhance the precision and convenience of financial services for sci-tech enterprises, Qilu Bank's local branch has introduced a "Sci-Tech Finance Marketing Toolkit". This toolkit systematically integrates a database of sci-tech enterprises, a list of strategic emerging industries, various sci-tech innovation platforms and specialized credit policies, creating an integrated service model of "list-based + product package".
According to the bank, this effectively breaks down financing information barriers and provides tailored, one-stop financial support for technology enterprises at different development stages and in various industries. Shandong Huierjia Biological Co is one such high-quality sci-tech SME that the bank identified and supported through this innovative model.
The enterprise integrates R&D, production, sales and technical services for high-end energy feed. As a specialized producer of soybean phospholipids and emulsified oil powder series products for the Chinese market, Shandong Huierjia provides high-end energy feed products to more than 300 large domestic feed enterprises, generating significant economic benefits.
To further support the growth of high-quality sci-tech enterprises, Qilu Bank in Binzhou formed a dedicated team of relationship managers to proactively engage with Shandong Huierjia. They gained an in-depth understanding of its operations, financing needs and market prospects, tailoring a comprehensive financial service solution that includes account opening, settlement and cash management.
The bank also matched the company with its "S&T Easy Loan" product, which features flexible credit limits, fast approval and preferential pricing, effectively addressing the challenges of "difficult, slow and expensive financing" for sci-tech enterprises.
The bank's head office, branch and sub-branch worked together on this project, opening a "green channel" for approval and securing a special preferential interest rate for the enterprise. This initiative is expected to reduce Shandong Huierjia's annual financing costs by approximately 60,000 yuan ($8,500) thanks to a "quick response, low cost and superior service" approach.
As of the end of June 2025, Qilu Bank's branch in Binzhou had provided comprehensive financial services to 163 sci-tech enterprises, including five national-level "little giant" enterprises specializing in niche sectors and 10 provincial-or-higher-level manufacturing champion enterprises.
According to Qilu Bank, it intends to pursue the construction of its sci-tech financial service system, offering solid financial support for more SMEs to scale new heights and strengthen their capabilities, thereby contributing to Binzhou's goal of building a new regional hub for sci-tech innovation industries.
In response to corporate needs for equipment upgrades and capacity expansion, Qilu Bank's Binzhou branch optimized its product design and approval processes, launching the specialized "Kitchen Appliance Loan" financial product to precisely address the financing challenges faced by local kitchen appliance enterprises to accelerate the thriving commercial kitchen industry.
Xingfu town in Boxing county, Shandong province, the core production hub for commercial kitchen equipment in the province, has built the nation's most complete industrial chain for commercial kitchen appliances over more than 40 years of development. Leveraging the county's status as the largest steel processing and distribution center in northern China, the town has earned the title "Capital of Commercial Kitchen Equipment in China". It holds over 40 percent of the national market share and more than 90 percent within Shandong province. The cluster hosts over 2,800 large-scale production and operating enterprises (excluding individual businesses), employs over 45,000 people, and has fostered well-known brands such as Lubao, Huangguan, Huiquan, and Jinbaite. The industry boasts 14 Shandong Famous Brands and 21 Shandong Famous Trademarks, demonstrating a solid foundation and significant potential.
The transformation of Shandong Zhenglian Kitchenware Co, Ltd serves as a vivid example of the loan's impact. Specializing in R&D and manufacturing of commercial noodle cooking pots, the company operated three production workshops, but faced intense competition within the Xingfu town incubation park and industry upgrade pressures. In the first half of 2025, the company's owner found that peers were securing orders through equipment upgrades, while his own company, constrained by a lack of funds, was stuck with idle workshop space and unable to accept orders — a predicament that caused immense anxiety.
The turning point came when an account manager from Qilu Bank's Boxing branch proactively visited the company. After understanding the financing needs and loan purpose, the manager recommended the "Kitchen Appliance Loan". Supported by credit enhancement from government financing guarantee institutions, this product not only improves the loan approval rate for kitchen appliance enterprises, but also increases their credit lines.
The entire process, from preparing basic operational documents to the successful disbursement of a 2-million –yuan loan, took less than three days. These timely funds enabled the company to purchase new production equipment, create 20 new jobs, and expand production capacity by 40 percent — resolving the owner's pressing concerns.
Since the beginning of this year, Qilu Bank's Binzhou branch has provided credit support exceeding 20 million yuan to nearly 30 kitchen appliance manufacturers via the "Kitchen Appliance Loan".
In recent years, the branch has deeply implemented its inclusive finance strategy, creating a "one-county, multiple-products" service system tailored to local characteristic industries. It has innovatively developed more than ten inclusive financial products including Fishing Net Loan, Beef Cattle Breeding Loan, XINGDI Revitalization Loan, Kitchen Appliance Loan, Color Steel Loan, Common Prosperity Loan, Grain Planting Loan, Home Furnishing Loan, and Rope and Net Loan. In the first half of the year, new disbursements surpassed 260 million yuan, truly achieving the principle of "what industry needs, finance supplies".
Looking ahead, Qilu Bank's Binzhou branch will further enhance its financial service capabilities, continue to identify pain points in local industries, and launch more customized financial solutions. Through more precise and efficient services, the branch aims to support the expansion and strengthening of local industries.
"Another granary is about to be filled, and it would have been difficult to manage without the loan from Qilu Bank," said Zhou, a grain purchaser, from Xulinzhuang village in Changyi city, after receiving a 1-million-yuan grain loan from Qilu Bank's Weifang Changyi sub-branch. The timely disbursement of funds has injected new vitality into his grain-purchasing operations. "The short-term capital turnover issue has been resolved, greatly easing our financial pressure and allowing us to expand the scale of our purchases," he added with relief.
As the season's harvest fills the granaries, Changyi city continues to shoulder the responsibility of ensuring food security—a national priority. In recent years, the city has focused on constructing high-standard farmland, promoting high-quality crop varieties and advancing modern agricultural techniques. By developing "quality farmland", cultivating "quality seeds" and applying "advanced techniques" Changyi has explored new approaches across the entire chain to stabilize grain production and increase incomes, reinforcing the foundation for long-term food security.
Grain purchasing serves as a key indicator of agricultural modernization in the region. Supported by technology and equipment, the industry has formed an integrated industrial chain encompassing transportation, drying and storage. However, alongside this expansion, financial needs have also grown. Changyi is home to a large number of grain purchasers, many of whom face difficulties when applying for bank loans due to factors such as short establishment times, small scale and insufficient collateral. "In the past, applying for a bank loan either required collateral or took too long. If we missed the grain purchasing season, we'd suffer losses," Zhou added.
In response, Qilu Bank's Weifang Changyi sub-branch has actively fulfilled its mission to serve agriculture, rural areas and farmers, in line with strategic plans to support rural revitalization. By precisely addressing the financing needs of small-scale operators such as grain purchasers and combining products like the "BeneFarm Loan" with "Farmers E-Loan", the bank has won the favor of grain purchasers thanks to its convenient approval process and timely fund disbursement.
The resolution of funding bottlenecks has not only injected capital into grain cultivation and purchasing in Changyi but also provided strong support for the sustainable development of the rural economy. In recognition of its outstanding contribution, the sub-branch was honored as an Advanced Unit in Supporting Local Development for 2024 in Changyi city. Moving forward, the sub-branch plans to further expand its pro-farmer financial services, actively explore innovative bank-enterprise cooperation models, and contribute greater momentum to strengthening Changyi's agricultural foundation, increasing farmers' incomes, and promoting rural development, thereby supporting high-quality regional economic growth.
Qilu Bank's Luozhuang sub-branch in Linyi, recently issued its first "Scientific Research Loan" to Linyi Lixin Aluminum Co Ltd, providing robust financial support for the industrial upgrading of regional technology innovation enterprises.
Linyi Lixin Aluminum Co Ltd is a high-tech enterprise in the field of aluminum resource recycling in the Linyi region. The company's products are widely used in new energy vehicles, rail transportation, and high-end equipment manufacturing, among other sectors.
In recent years, Lixin Aluminum has actively responded to national strategies by dedicating efforts to the research, development, and application of aluminum-iron separation technology.
The infusion of "Scientific Research Loan" funds will advance the company's progress in developing aluminum-iron separation devices, and meet its procurement needs for scrap aluminum. This will accelerate the transformation of scientific and technological achievements, further enhance resource utilization efficiency, and promote green, low-carbon, and high-quality development for the enterprise.
Qilu Bank's "Scientific Research Loan" is a credit product specifically designed to support technology-based enterprises that have independent intellectual property rights or core technologies in their research and development activities.
The issuance of this loan not only resolves Lixin Aluminum's challenges securing funding for its technological breakthroughs and achievement transformation, but also opens new avenues for Qilu Bank's Linyi branch to support and serve the development of technology innovation enterprises.
Going forward, Qilu Bank's Linyi branch will continue to leverage its advantages, deepen cooperation with technology innovation enterprises, and inject a steady stream of financial support into regional economic innovation and development through more flexible financial products and efficient services.
Based on the results of a carbon rating report, the Linyi branch of Qilu Bank in Shandong recently granted its first "Lintan Loan" of 10 million yuan ($1.5 million) to Shandong Qingguo Food Co Ltd, a client of the bank's Yinan sub-branch.
The aim of the initiative is to provide financial guidance for energy conservation and emission reduction among green and low-carbon enterprises in the region. The Shandong Qingguo Food Co is a key agricultural private enterprise in Linyi which deals in the cultivation, processing and export of vegetables. The company recently applied for a loan from Qilu Bank to purchase edamame soybeans for its "R&D and Industrialization Project of Key Technologies for Green and Efficient Full-Process Production of High-Quality Vegetables".
Upon learning of the company's needs and objectives, the bank decided the "Lintan Loan" would be a good fit and contacted the company to authorize the issuance of a carbon rating report and to offer assistance in applying for the loan. According to the report, the company is capable of progressive transformation in the pursuance of dual carbon goals. Referencing the carbon rating report, Qilu Bank conveyed its support for the company's energy conservation and emission reduction efforts, opening a green channel for financing such initiatives. Based on the report, the company secured a loan at a preferential interest rate from the bank.
The "Lintan Loan" business model is based on a whitelist of green and low-carbon enterprises and carbon rating (carbon credit) reports. It offers differentiated preferential terms in interest rates, loan tenure and credit limits to enterprises with outstanding green and low-carbon performance. This approach provides precise "pricing" for pollution reduction and carbon emission cuts, accurately supporting enterprises in their green and low-carbon transition while helping financial institutions enhance their green financial service capabilities and risk prevention.
Qilu Bank's Linyi branch intends to take full advantage of the "Lintan Loan" to expand cooperation with green and low-carbon enterprises. With more flexible financial products, the bank aims to enhance the quality and efficiency of its green financial services, supporting the green transition of the city's economic and social development.
Qilu Bank in Jinan, Shandong province, recently hosted a charity reading event to promote literacy and the power of knowledge as a part of its wider corporate social responsibility program.
The commercial bank invited literary experts, cultural scholars, book enthusiasts and employee representatives to take part in lectures and book-sharing sessions.
A spokesperson for the bank said the activities conveyed Qilu Bank's commitment to "providing financial services for the people" and the value of its Quanxin Public Welfare brand.
Qilu Bank, established in 1996, has adhered to a position of "serving urban and rural residents, serving small and medium-sized enterprises, and serving the local economy", achieving steady development.
The theme of this latest charity reading event was togetherness. To deepen the influence of the event, Zhao Yuebin, professor of the School of Chinese Language and Literature at Shandong Normal University and cultural scholar Liu Guosheng attended as keynote speakers.
Zhao used Zhang Wei's classic work Visiting Lao Wanyu's Home as an example to analyze the humanistic care and social reflection in literary works, guiding the audience to experience the nourishment of reading.
Liu, from a methodological perspective, shared the Reading Methods of Former Worthies and the reading wisdom of famous figures from ancient and modern times, discussing how efficient reading can enhance cognitive abilities and elevate one's life.
The power of reading lies not only in the accumulation of knowledge but also in practice. During the event, representatives from Qilu Bank shared how reading has influenced their career development and their life reflections based on their own experiences. From financial books to classic literary works, from management philosophy to essays on life, their stories vividly demonstrated the profound impact of reading on financial professionals.
The event featured a special "drumming and passing on books" segment, where participants conveyed the essence of literature by reading classic passages, experiencing the joy of reading in a relaxed and pleasant atmosphere.
Qilu Bank commemorated the event by purchasing artwork from the Jinan Xingshen Special Children's Care Center to present to customers and employees, raising awareness of care for special groups in society.
The event built a bridge between culture and charity, and showcased the responsibility of financial institutions in promoting universal reading and building a literary society.
Qilu Bank said it is committed to serving the country through finance, empowering social progress with the power of finance and collaborating with customers, employees and various sectors of society to make finance warmer and cities more literate.
As a key player in serving the regional economy, Qilu Bank, headquartered in Jinan, Shandong province, is upgrading its services to support industrial park development. By establishing a comprehensive financial service system covering the entire park development chain, Qilu Bank has compiled a financial services manual aimed at driving park upgrades and industrial clustering through professional and precise solutions.
Qilu Bank has tailored its product offerings for park developers, resident enterprises, and entities throughout the industrial chain, facilitating resource allocation and enhancing park construction efficiency.
To serve park developers, they have introduced the Park Easy Loan to support the construction of standardized factories and supporting facilities. To assist enterprise growth, they offer factory loans, corporate property mortgages, rent loans, credit for equipment purchase and upgrades, research loans, innovation credit loans, and other financing services to meet the research and production expansion needs of enterprises. In terms of ecological collaboration, they provide smart park management systems, smart parking lots, and smart restaurants, forming a comprehensive intelligent service system.
To ensure precise and effective services, Qilu Bank has developed scenario-based manuals focused on the entire lifecycle of park enterprises, from settlement and incubation to growth and expansion. The bank has established five major standardized service scenarios.
For early-stage enterprises, they break through the financing dilemma of light assets by combining intellectual property pledges with government risk compensation. For expanding enterprises, they offer factory loans with a maximum term of 10 years to ease the pressure on fixed asset investment. Transitional enterprises can consider forward-win interest rate loans with a dual-rate model starting at 2 percent, where rates are low in the early period and high in the later period. For enterprises in the pre-listing period, they offer joint investment easy loans, proposing special credit support to high-quality investment entities, achieving two-way linkage with long-term and patient capital. For enterprises undergoing industrial chain integration, the bank has developed a "1+N" supply chain financing network based on the credit of core enterprises.
In Yantai, a manufacturing and marine economic hub, Qilu Bank is initiating regional development strategies. By establishing a three-level linkage mechanism comprising head office-branches-sub-branches, forming specialized service teams, and adopting a self-developed CRM system overlaid with a panoramic data view, the bank has achieved precise demand profiling. In the service of the Penglai Dengzhou Agricultural Trade Market project, the bank applied a credit enhancement model using property management guarantees and operating rights pledges. This solution not only addressed financing difficulties for light asset enterprises but also established a risk-sharing mechanism by binding with the park operator, forming a replicable service model.
In the next three years, Qilu Bank plans to support the construction of 50 specialized parks, expecting to drive industrial investment exceeding 10 billion yuan ($1.4 billion).
"We not only provide financial support but also focus on creating long-term value for enterprises," said the head of the Corporate Banking Department of Qilu Bank. In the journey of serving the real economy, Qilu Bank is writing a new chapter of financial empowerment for industrial upgrading through professional and scenario-based innovative practices. It is continuously injecting momentum into the development of Shandong province's Top 10 industrial clusters and the transformation of old and new driving forces.
During the campaign to use financial tools to support the development of the real economy, Qilu Bank has become a representative example for supporting the development of small and micro-sized enterprises through practical action.
At the end of last year, a Jinan resident surnamed Qiao, a small business owner in Changqing district engaged in the wholesale peanut oil, urgently needed to increase cash flow due to year-end stocking. Upon learning about this, the Changqing district human resources and social security bureau immediately contacted Qilu Bank and, on the same day, together with the staff members of the bureau, visited Qiao's company to understand her needs.
"As Spring Festival approaches, the orders from various supermarkets are increasing, and the warehouse stocking has already been reserved. We need funds to prepare for year-end warehousing," said Qiao.
The Changqing district human resources and social security bureau learned that the company employed demobilized soldiers and disabled workers this year, and had paid social insurance for them, making a significant contribution to employment.
After understanding the situation, Qilu Bank immediately collected customer information, assisted customers in relevant identification work and coordinated with the higher-level approval department to help customers apply for the green approval channel. With the help of Changqing district human resources and social security bureau, Qilu Bank successfully financed Qiao's company with 1.7 million yuan ($233,532) within a day, with a loan interest rate of only 1.8 percent after government subsidies. Upon receiving the funds, Qiao went to Qilu Bank to show her gratitude.
Since the establishment of the coordination mechanism to support financing for small and micro-enterprises led by the National Financial Regulatory Administration and the National Development and Reform Commission in October 2024, Qilu Bank has been actively promoting the implementation of the mechanism and the "338" working mechanism.
By setting up specialized teams, resources are efficiently coordinated. Measures such as implementing policies such as interest-free loan renewals and due diligence exemptions, using monetary policy tools to provide stable financial support, introducing list-based management, special approval channels, and other eight measures to improve the efficiency of financial services are showing effects. The bank’s approved credit exceeds 15 billion yuan, the disbursed amount has exceeded 12 billion yuan, and the number of credit clients is 3,868.
Qilu Bank is keeping pace with the digital era and promoting the digital transformation of inclusive finance. It has created the Qilu e-Finance intelligent financial consulting solution, using big data and artificial intelligence-driven tools to accurately match customer needs with financial products. Customers can apply for personalized financing solutions with just one click through the WeChat mini-program. As of now, Qilu e-Finance has provided more than 550 million yuan in funding support to small and micro-sized clients.
Qilu Bank has shown strong determination and execution in supporting small and micro-enterprise financing by providing comprehensive and multi-level financial support for them. The bank has expressed its commitment to bridging the "last mile" of financial services for enterprises, helping small and micro-sized enterprises advance on the path of development and injecting strong momentum into the development of the real economy.
To support the city's affordable housing project, Qilu Bank recently approved a loan for an affordable housing project in Qinghe Xinju residential community in Jinan, Shandong province. It is the first city commercial bank in the province to provide a loan for an affordable housing development project.
Qilu Bank has adhered to the market position of "serving urban and rural residents, serving small and medium-sized enterprises, and serving the local economy". The bank focuses on the three major tasks of "improving people's livelihoods, promoting development, and reducing risks" to develop special real estate credit products such as affordable housing development loans, affordable rental housing development loans, affordable rental housing purchase loans, affordable rental housing operation loans and operational property loans. The loan subjects cover various entities involved in project construction, project operation, housing rental operations and various stages of housing construction and operation. In the future, Qilu Bank aims to design credit products for various housing scenarios such as rental loans, property loans and foreclosure loans to better serve the affordable housing project.
In an effort to connect with project entities, Qilu Bank has formed a marketing team to meticulously control business processes and risk management, helping to ensure a smooth approval process and implementation of effective risk management. This has led to the successful implementation of the development loan business for the Qinghe Xinju affordable housing project, demonstrating the bank's responsibility and commitment to achieving the goal of "adequate housing for all".
In the next phase, Qilu Bank will continue to implement the strategy of the Jinan city government and closely follow policy guidance. Leveraging its own advantages, it will support the development of the housing rental market and refine credit products, striving to increase credit allocation, contribute to improving people's livelihoods and promote economic development, social stability and the sustainable development of cities.
The growth of innovation-driven enterprises relies on the strong support of industrial and entrepreneurial ecosystems. Qilu Bank, while adhering to an opening-up mindset, has wisely integrated the technology financial ecosystem. In 2023, it led the establishment of the Qilu Investment and Loan Cooperation Alliance and the setup of a technology financial salon, empowering more than 500 tech companies.
According to Qilu Bank, it has established a technology financial branch, two distinctive technology financial branches and nine technology financial centers to create a technology financial layout that leads the Jinan and Qingdao regions in Shandong province with multiple measures. They have also set up separate access standards for classifying and managing high-tech enterprises, as well as a distinct approval mechanism that delegates approval authority, establishing differentiated standards for the enterprises.
Core products introduced include the Future Star and Rising Star, providing a full lifecycle product package. Additionally, it is focusing on building a comprehensive service platform that offers six integrated service solutions including bill managers, forex managers, tax managers and IPO management.
Moreover, Qilu Bank has implemented a dedicated risk tolerance mechanism and established a long-term loan mechanism to enhance the tolerance for non-performing tech loans. They are implementing due diligence exemptions and have formulated methods for exempting non-performing tech loans and due diligence negative lists. As of the end of June, Qilu Bank's general loans to tech enterprises reached 31.2 billion yuan ($4.3 billion), accounting for 13 percent of the bank's corporate loans. With an average growth rate of more than 30 percent over the past two years, it has served more than 7,000 tech enterprises.
The development of new quality productive forces presents new challenges for financial institutions in serving the real economy. In the future, Qilu Bank will leverage its own resources to focus on serving modern industrial systems and nurturing high-tech talents. They will pay attention to green development and enhance the precision of financial services for new quality productive forces. Simultaneously, they will strengthen data support to improve the impacts of financial services for new quality productive forces.
