火速落地！金融监管总局发布支持举措

Core Viewpoint - The Chinese government is accelerating the introduction of policies to support small and micro enterprises, particularly in financing, to stabilize the economy and enhance financial services for these businesses [1][2]. Group 1: Policy Measures - The Financial Regulatory Bureau has issued a notice outlining the goals for small and micro enterprise financial services by 2025, focusing on maintaining credit support, improving service quality, stabilizing loan pricing, and optimizing supply structure [1][4]. - The notice emphasizes the importance of a coordinated financing mechanism to ensure that credit funds reach small and micro enterprises quickly and effectively [2][3]. Group 2: Financial Support and Coordination - A financing coordination mechanism has been established to facilitate low-cost funds reaching small and micro enterprises, with over 67 million businesses visited and loans amounting to 12.6 trillion yuan issued, of which about one-third are credit loans [2]. - The notice calls for enhanced support for foreign trade enterprises, particularly small and micro businesses, to mitigate the impact of external shocks such as increased tariffs [2][3]. Group 3: Credit Supply and Pricing - As of the first quarter of this year, the balance of inclusive small and micro enterprise loans reached 35.3 trillion yuan, reflecting a year-on-year growth of 12.5%, with an average interest rate of 3.66% [4]. - The notice sets specific targets for maintaining stable credit growth and requires banks to focus on the genuine operational funding needs of small and micro enterprises [4][5]. Group 4: Service Quality Improvement - The notice mandates banks to enhance the quality of financial services for small and micro enterprises by optimizing internal resource allocation and establishing clear mechanisms for accountability [7][8]. - It also encourages banks to discover and nurture first-time borrowers and improve the implementation of renewal loan policies, while providing comprehensive services such as payment settlement and financial consulting [8].