Industrial and Commercial Bank of China Co., Ltd. Dalian Branch (hereinafter referred to as “ICBC Dalian Branch”) is a first-tier branch directly managed by ICBC’s Head Office and belongs to the system of large state-owned commercial banks. It positions itself as a comprehensive banking financial institution dedicated to serving high-quality local economic development and implementing national strategies. Its core business spans corporate finance, personal finance, financial markets, inclusive finance, green finance, cross-border finance, and digital finance, offering end-to-end integrated financial services including deposits and loans, settlement and clearing, trade financing, supply chain finance, wealth management, pension services, digital RMB operations, and credit support for small and medium-sized enterprises (SMEs). Leveraging the Head Office’s “Intelligent Banking ECOS” project, the branch extensively applies AI-driven risk control models, big-data-based customer profiling, blockchain-enabled cross-border letters of credit, and API-based open banking technologies, and holds multiple software copyrights, including the “Small and Micro-Enterprise Credit Assessment System Based on Multi-Source Data Fusion V1.0.” The branch maintains comprehensive qualifications: it holds a Financial License (No. B0001S121020001) issued by the Liaoning Regulatory Bureau of the National Financial Regulatory Administration; has attained certification under the three major international management system standards—ISO 9001, ISO 20000, and ISO 27001; and possesses full-range licenses covering foreign exchange settlement and sales, derivatives trading, fund sales, insurance agency, and proprietary gold trading. It serves as Dalian’s designated foreign exchange bank, one of the first pilot banks for cross-border RMB transactions, and a member of the Dalian Municipal Government Bond Underwriting Syndicate. Notable practices include leading the formation of Dalian’s first syndicated loan for the marine economy sector; designing customized supply chain financing solutions for industry leaders such as Hengli Petrochemical and Bingshan Group; continuously undertaking social security card issuance and pension disbursement services for multiple years; extending over RMB 8 billion in unsecured loans to specialized, refined, distinctive, and innovative SMEs during 2022–2023; and establishing a dedicated cross-border financial services counter in the RCEP International Business Zone. Its service network covers all districts of Dalian; it operates specialized branches in the Pilot Free Trade Zone, Jinhua New Area, and High-Tech Zone; simultaneously supports rural revitalization initiatives; and promotes agriculture-related financial products—including “Planting e-Loan” and “Sea Cucumber Loan”—in Zhuanghe and Wafangdian. The branch provides tailored financial solutions and collaborative support to government agencies, key industries, science-and-technology innovation enterprises, foreign trade entities, and county-level business operators.