The revitalization of rural areas is inseparable from the nourishment of financial resources. Based on the unique industrial characteristics of the Qingdao region, the China Construction Bank Corporation (CCB) Qingdao Branch has adhered to its founding purpose of serving the people through finance. It has closely aligned with local agricultural planning, the needs of commercial entities, and county-level economic development, continuously innovating financial products for the agricultural sector, extending frontline services, and broadening the scope of inclusive services. This approach ensures a steady and precise flow of financial resources into fields, small and micro enterprises, and rural markets, comprehensively supporting the quality improvement of specialty agriculture, the expansion of the real economy, and increased income for residents, thereby writing a new chapter for Qingdao's rural revitalization with high-quality financial services.
Precise Credit Support to Nourish Specialty Agriculture
"CCB's loan was specifically tailored to our farmers' operational characteristics, with low interest and fast procedures. It was a great help to me!" said Gao Shuqin, a major livestock farmer in Guozhuang Waziqiu Village, Nandu Town, Pingdu City, pointing to her newly renovated barn with heartfelt appreciation.
As an experienced farmer, Gao Shuqin recently planned to expand her breeding scale and introduce high-quality breeds, but the upfront investment for site renovation and feed reserves posed a significant financial challenge. During outreach visits, CCB's Pingdu sub-branch identified her dilemma. Considering her lack of effective collateral but good credit standing, they recommended the "Yunong Kuai Dai" (Fast Agricultural Loan) specifically designed for agricultural clients. Through on-site information filing by the account manager and swift approval from the sub-branch, a 100,000 yuan "Yunong" loan was successfully disbursed to her, ensuring timely procurement of a new batch of high-quality young livestock and barn upgrades.
Similarly warm service occurred in the greenhouse fields of Yunshan Town, Pingdu City. Grower Wang Guofang, who operates strawberry greenhouses year-round, planned to add smart irrigation and electric thermal insulation/rolling equipment to further enhance planting efficiency as his scale expanded. However, recent funds were tight after purchasing a city apartment for his child's marriage. While conducting business at CCB's Pingdu Tonghe sub-branch, Wang mentioned his funding needs. Learning that CCB's "Yunong Kuai Dai" could offer interest rates as low as 3.0% and supported borrowing and repayment flexibility, Wang expressed his desire to apply. Given the busy strawberry harvesting period, labor shortages, and the greenhouse being over ten kilometers from the branch, the Tonghe sub-branch service team proactively conducted an on-site verification across regions. With the branch head overseeing the process, a 150,000 yuan loan was successfully disbursed in just one day, helping him complete the facility upgrade promptly.
Focusing on key industries ensuring stable production and supply, such as food security, specialty cultivation, and livestock breeding, CCB Qingdao Branch's county-level outlets have formed professional service teams, shifting from "clients coming to us" to "service reaching out." During the critical preparation period for cherry planting in Yunshan Town, Pingdu City, CCB's Pingdu Hangzhou Road sub-branch moved its service directly to the cherry orchard fields, assisting fruit growers on-site with information filing and credit limit assessments, cumulatively serving over twenty growers and cooperative leaders, matching agricultural production cycles with practical results.
Extending the Service Chain to Support County-Level Real Industries
Industrial prosperity is the foundation of rural revitalization. CCB Qingdao Branch has broken the single model of serving individual farmers, extending financial services to the entire industrial chain of county-level real economy sectors including agricultural machinery manufacturing, steel trading, logistics, and warehousing. Through diversified comprehensive financial solutions, it aims to activate the endogenous development momentum of rural industries.
"Spring is the critical period for agricultural machinery production and stock preparation. Our order book is full, but funds are urgently needed for raw material procurement and worker wages. CCB's loan really solved my pressing problem!" said Cui Gui'e, legal representative of Qingdao Taihongyu Metal Products Co., Ltd., looking at the busy production line in the workshop with excitement. Located in Zhangjialou Sub-district, Huangdao District, the company specializes in R&D and production of handcart and agricultural machinery parts, holding multiple independent patents. With solid product quality and patents, it has become a benchmark in the local agricultural machinery manufacturing sector and has been recognized as a high-tech enterprise, with products sold nationwide.
Facing capital turnover pressure from surging orders, CCB's Huangdao sub-branch tailored an exclusive inclusive financial package considering the company's "agriculture-related" characteristics: a 1 million yuan "Yunong Kuai Dai" (mortgage version) based on the company's own property to meet production needs. The process took less than a week, with 1 million yuan in credit funds precisely delivered, pressing the "accelerator" for the company's production.
While serving agriculture-related enterprises and county-level manufacturing development, CCB Qingdao Branch has also continuously extended financial services to the supply chain of township manufacturing, improving financing and settlement efficiency for upstream and downstream industries. Jiaozhou Steel Market gathers nearly 200 steel trading, processing, and logistics enterprises, serving as a key supply chain hub in the Jiaodong Peninsula. Addressing the pain points of small and micro enterprises in the market—"light assets, fast turnover, large inventory fluctuations"—Jiaozhou sub-branch has created exclusive financial solutions centered on the market scenario. Since 2025, leveraging inclusive new models like "Cloud Tax Loan and Mortgage Fast Loan," it has cumulatively disbursed over 220 million yuan in loans to 56 steel trading enterprises within the market, reducing the average financing cost by 0.8 percentage points compared to the industry average. Simultaneously, based on the supply chain data of core steel trading enterprises, it provides supply chain financial products to upstream and downstream small and micro enterprises, achieving integrated credit for "core enterprises + upstream/downstream." It has issued over 90 million yuan in supply chain loans to 32 upstream/downstream processing and logistics enterprises, fostering a stable industrial financial ecosystem.
Extending Service Reach to Connect with Farmers and Communities
While focusing on promoting agricultural development and industrial clustering, CCB Qingdao Branch continues to transform its service model. Through extending service touchpoints and comprehensive education, it aims to bridge the "last mile" of county-level financial services.
At Pinzhi Park on Heshan Road in Jimo District, an industrial innovation complex integrating "R&D, production, supply, sales, and service" upgraded from a traditional garment wholesale market, numerous traditional merchants and e-commerce practitioners gather. In the first quarter of this year, under the guidance of the relevant financial regulatory authority, CCB's Jimo sub-branch fully participated in the "Financial Knowledge into Markets, Regional Culture Nurtures Hearts" special campaign. CCB Jimo sub-branch staff set up consultation booths on-site, integrating financial policy Q&A and anti-fraud/consumer protection knowledge deeply into the commercial setting through case explanations and interactive games, precisely covering over 1,000 new commercial merchants in the market, creating a replicable and scalable model for county-level rural financial education.
The footprint of educational outreach also extends to Laixi. CCB's Laixi sub-branch closely follows the deployment of Laixi City's 2026 "3·15" Financial Consumer Rights Protection Education and Publicity work, with the slogan "Clearing Financial Networks, Guarding Safe Consumption." Focusing on digital finance benefiting people's livelihoods and preventing online irregularities, it integrates financial consumer protection publicity deeply with rural financial services by visiting field shops and village/town markets, effectively safeguarding the "money bags" of rural residents.
The fertile rural land is full of vitality, and the pace of financial empowerment continues unabated. Moving forward, CCB Qingdao Branch will continue to base its efforts on the actual development needs of Qingdao's rural areas, persistently cultivate the county-level market, innovate financial products, optimize service quality and efficiency, and increase credit supply, ensuring the continuous flow of financial "water" irrigates every inch of the county-level economic soil, contributing CCB's financial strength to Qingdao's comprehensive advancement of rural revitalization and high-quality development of the county economy.
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