降低小微企业综合融资成本

Group 1 - The National People's Congress has passed the "Private Economy Promotion Law," which aims to guide financial institutions in improving their service levels for private enterprises, particularly small and micro businesses [1] - The average interest rate for newly issued inclusive loans to small and micro enterprises was 4.03% in the first two months of 2025, a decrease of 0.33 percentage points from 2024 and a cumulative decline of 3.9 percentage points since 2018 [1] - Zhejiang's financial regulatory bureau has established a "financing coordination zone" to connect banks and enhance efficiency in financing for small enterprises, involving 210 banks and nearly 40,000 credit managers [1] Group 2 - Small and medium-sized banks are innovating financial products to meet the specific financing needs of enterprises, such as the combination of "accounts receivable financing" and "small micro growth loans" [2] - The small micro enterprise financing coordination mechanism has successfully eliminated various hidden barriers to financing, allowing creditworthy but collateral-lacking small enterprises to access bank credit services [2] - Over 50 million small enterprises and individual businesses have been visited, with credit approvals exceeding 10 trillion yuan and a non-repayable loan balance of nearly 7 trillion yuan [2] Group 3 - Financial regulatory authorities are guiding banks to facilitate cross-border settlements and mitigate exchange rate risks for foreign trade enterprises [3] - Xiamen International Bank has launched a cross-border comprehensive service platform to assist foreign trade enterprises in managing cross-border settlements and financing needs [3] - Future recommendations include increasing bank visits to enterprises, simplifying financing processes, and exploring diverse supply chain financial services to further reduce financing costs for small micro enterprises [3]