Video | OPC Entrepreneurs Share Their Experience: How Exactly Does OPC Lending Work?

On March 24, the first OPC entrepreneurship-guarantee loan from Qingdao Rural Commercial Bank was successfully issued, helping the Qingdao municipal government move forward with building a “North China OPC pilot demonstration city.”

Sun Yupeng, an entrepreneur in the field of embodied intelligent robots in Qingdao, candidly said, “After I submitted my materials and loan application in the system of Qingdao’s Human Resources and Social Security bureau, I didn’t need to go to the bank counter in person to handle the procedures, and I received a loan of 190,000 yuan issued by Qingdao Rural Commercial Bank.”

Sun Peng believes that, at present, policy publicity is very strong. However, from understanding the policy to personally applying for a loan, OPC entrepreneurs tend to self-impose “difficulties.” Unlike traditional businesses, OPC entrepreneurs don’t have collateral, so they worry they won’t be able to get a bank loan. In fact, banks are currently managing risk and issuing loans using methods such as credit data. Getting a loan for an OPC company isn’t as difficult as people imagine.

It is reported that Qingdao Rural Commercial Bank’s branches have comprehensively connected with OPC industrial parks and entrepreneurship platforms at all levels. Through normalized visits and services, they precisely identify target customer groups. For the actual funding needs of relevant companies in areas such as computing power investment, equipment upgrades, and day-to-day operational working capital turnover, they select suitable financial products such as entrepreneurship-guarantee loans, form a professional service team, and provide personalized, one-stop financial solutions for OPC market entities at different stages of development, effectively addressing the core pain points of OPC entrepreneurs—“difficulty in financing, slow financing, and expensive financing.” (China Economic Journal reporter Guo Jianhang; produced by Lu Qian)