内蒙古：金融“活水”精准“滴灌”民营和小微企业

Core Viewpoint - Inner Mongolia Autonomous Region is implementing measures to alleviate financing difficulties for private and small micro enterprises, aiming to stimulate economic growth and promote employment and entrepreneurship [1] Financing Situation - As of the end of March, the loan balance for private enterprises in the region reached 10,476.21 billion yuan, accounting for 42% of the total bank loans, with new loans for private enterprises making up 68% of new corporate loans [1] - The loan balance for small micro enterprises was 9,082.28 billion yuan, representing 29.65% of total bank loans, with inclusive small micro enterprise loans at 3,479.25 billion yuan, or 11.36% of total bank loans [1] Policy Implementation - A financing coordination mechanism for small micro enterprises was established in October last year, focusing on resolving financing challenges and implementing specific measures to ensure financial support reaches private and small micro enterprises [1][2] - A unified credit service platform was created to address information gaps, consolidating 14 categories of enterprise information and developing exclusive credit financing products for small micro enterprises [1][2] Risk Sharing and Loan Efficiency - A 100 million yuan credit financing risk-sharing fund was set up to help banks provide credit loans to eligible private small micro enterprises, with the government covering 10% of the risk [2] - The loan approval process for small micro enterprises has been expedited, with banks required to make credit decisions within one month for recommended enterprises [2] Cost Reduction Measures - A campaign to reduce the comprehensive financing costs for small micro enterprises has been initiated, resulting in a 0.42 percentage point decrease in average loan interest rates since the coordination mechanism began [2] - Banks have waived various service fees totaling 295 million yuan for small micro enterprises and individual businesses in 2024 [2] Coverage Expansion - Policies have been implemented to increase the financial supply to private and small micro enterprises, with the number of private enterprises with loan balances increasing by 45,000 and small micro enterprises by 18,700 since the beginning of the year [3] - The number of first-time loan small micro enterprises reached 2,601, with a total amount of 3.588 billion yuan [3] Support for Loan Renewal - The scope of the loan renewal policy has been expanded to include all small micro enterprises, with significant growth in the number of no-repayment loans processed [3] Future Initiatives - The Inner Mongolia Financial Regulatory Bureau plans to implement four key measures to enhance support for enterprises, focusing on deepening the financing coordination mechanism and promoting credit information platform development [4]