促进信贷资金畅达小微企业

Core Viewpoint - The Chinese government is set to enhance financial support for small and micro enterprises (SMEs) and private enterprises through a comprehensive financing policy aimed at improving communication between banks and businesses, thereby addressing the financing difficulties faced by SMEs [1][2][3] Group 1: Financing Support Mechanism - A new "Financing Coordination Work Mechanism" has been established by the National Financial Regulatory Administration and the National Development and Reform Commission to facilitate financing for SMEs, which includes measures such as establishing special teams, grassroots visits, supply-demand matching, and policy promotion [1] - The mechanism aims to alleviate information asymmetry between banks and SMEs, with a focus on local county-level implementation to ensure effective communication and support [1][2] - As of now, over 67 million business entities have been visited, resulting in loans amounting to 12.6 trillion yuan [1] Group 2: Service Optimization - Financial institutions are encouraged to optimize service processes to reduce the time taken for credit decisions to within one month for enterprises included in the financing coordination mechanism, thereby creating a green channel for faster processing [2] - The average interest rate for new loans issued to SMEs through this mechanism is currently 3.66%, reflecting efforts to lower overall financing costs [2] Group 3: Expansion to Foreign Trade Enterprises - The financing coordination mechanism will soon be extended to all foreign trade enterprises, with financial institutions required to adopt a tailored approach based on the specific characteristics of different industries [3] - The focus will be on ensuring that compliant enterprises with genuine financing needs and good credit status can access funds efficiently [3]