金融监管总局明确小微企业金融服务年度目标：保持信贷支持力度，新增“提质”要求

Core Viewpoint - The Financial Regulatory Bureau has issued a notice to enhance financial services for small and micro enterprises (SMEs) by focusing on maintaining credit supply, improving service quality, and creating a favorable financial ecosystem, with a new emphasis on quality improvement for 2025 [1][2]. Group 1: Financial Service Goals - The overall goal for SME financial services in 2025 includes "quality improvement" alongside maintaining quantity and stability in pricing and structure [2]. - The notice aims to ensure that the growth rate of inclusive SME loans is not lower than the overall loan growth rate, particularly for large commercial banks and joint-stock banks [2]. Group 2: Risk Management and Quality Improvement - The notice emphasizes strengthening risk management and improving the quality of SME loans, requiring financial institutions to standardize operations and focus on sustainable service models [2][3]. - Financial institutions are instructed to monitor loan usage and conduct regular checks to enhance data quality management [2]. Group 3: Coordination and Support Mechanisms - The notice outlines the need for enhanced coordination between central and local authorities to improve the effectiveness of financial support mechanisms for SMEs [3]. - A comprehensive policy package will be introduced to support financing for SMEs and private enterprises, focusing on increasing supply, reducing costs, improving efficiency, and creating a favorable environment [3].