Since the beginning of this year, the China (Shandong) Pilot Free Trade Zone Qingdao Area ("SDPFTZ Qingdao Area" for short) has closely focused on its core mission of serving the real economy. It has pioneered a new inclusive financial system featuring the integration of digital empowerment, service platform, and policy guidance. Through initiatives such as deep integration of data intelligence, dual-track online and offline services, and targeted implementation of the free trade loan assistance program, the zone has injected strong momentum into the continuous improvement of the quality and efficiency of financial services and promoted high-quality development.

Firstly, it has enhanced digital empowerment to facilitate inclusive development. Based on the needs of industrial upgrading, the SDPFTZ Qingdao Area leverages cutting-edge technologies, such as artificial intelligence and big data, to conduct research on scenarios for the value transformation of data elements. It actively promotes the deep integration of data elements and financial services, establishing the "Enterprise e-Insurance" enterprise safety management model and the "Enterprise i-Loan" science and technology innovation data model to enable real-time data collection and intelligent analysis. These efforts help financial institutions shift from "looking for a needle in a haystack" to "targeted outreach," and enable enterprises to move from "passive waiting" to "proactive compliance." This approach effectively addresses challenges, such as inaccurate insurance risk control and financing difficulties faced by science and technology enterprises, fostering an innovative model driven by data and characterized by two-way empowerment and ecosystem collaboration.

Secondly, it leverages a service platform to optimize financial supply. The SDPFTZ Qingdao Area is committed to building a comprehensive inclusive financial service ecosystem that integrates both online and offline channels. The "free trade financial services" digital platform has been established online, providing integrated one-stop services, such as policy consultation and financing matchmaking. At present, 394 financial products are available on the platform. Regarding offline platforms, an International Trade Financial Service Center has been set up, staffed with dedicated one-on-one financial service managers to offer face-to-face consultations and tailored service solutions for enterprises. A total of 13 financial matchmaking events have been successfully held, including the "New Opportunities in Free Trade, New Financial Momentum," attracting over 10,000 participants. Since the beginning of this year, services have been provided to a total of 759 micro and small enterprises (MSEs), assisting them in securing financing amounting to 446 million yuan, thereby significantly enhancing the accessibility and convenience of financial services.

Thirdly, it strengthens policy guidance and injects financial resources. The SDPFTZ Qingdao Area has adopted targeted measures and innovatively introduced the implementation plan for the free trade loan assistance program, establishing a financing service system featuring "bank risk sharing, enterprise interest subsidies, and guarantee institution support" to inject financial resources into the development of MSEs. By establishing an operational service mechanism encompassing "policy publicity, policy interpretation, application guidance, and multi-party coordination," it ensures precise policy coverage for target enterprises, provides one-on-one guidance to support enterprises in completing the application process, and resolves bottlenecks and challenges through comprehensive tracking and coordination. According to statistics, as of the end of August 2025, leveraging the free trade loan assistance policy, financial institutions in the area have issued a total of 154 loans amounting to 1.2 billion yuan, benefiting more than 70 enterprises. This has cumulatively saved enterprises over 5 million yuan in financing costs, effectively alleviating the difficulties and high costs associated with financing for MSEs.

Next, the SDPFTZ Qingdao Area will continue to advance the digital transformation of inclusive finance, promote data-driven financial innovation, comprehensively enhance the quality and efficiency of inclusive financial services, and support the robust growth of MSEs. Moreover, it will accelerate the development of a nationally leading and distinctive demonstration zone for inclusive finance, so as to inject new financial momentum into the high-quality development of the real economy.