以机制破解小微企业融资难丨金水区：政银企合力 助攻“融资突围”

Core Insights - The article highlights the successful financing of Henan Juan Tea Restaurant Management Co., Ltd., which received a loan of 9.7 million yuan from the Industrial and Commercial Bank of China, enabling the company to expand its operations rapidly [1][2][4]. Group 1: Company Overview - Henan Juan Tea, established in 2017, has differentiated itself in the competitive tea beverage market by integrating local elements and focusing on product innovation [2][3]. - The company is transitioning from a regional leader to a national player, requiring significant capital for expansion into new markets [2][4]. Group 2: Financing Challenges and Solutions - The company faced cash flow challenges due to high costs associated with store renovations and equipment, with each store requiring an investment of around one million yuan [2][4]. - Traditional financing methods were inadequate for the company's asset-light business model, prompting the need for tailored financial solutions [2][4]. Group 3: Innovative Financial Support - The Jinshui District has implemented a "three-port linkage" system (Fund Port + Financial Port + Trade Port) to provide customized financing solutions for small and micro enterprises [5][6]. - The district's financial services have achieved a loan coordination of 45 billion yuan for nearly 10,000 enterprises in 2024, with a success rate of 93.8% for credit approvals [6][5]. Group 4: Economic Impact - Following the financing, Henan Juan Tea opened eight new stores in Wuhan and Changsha within two months, creating 120 jobs and projecting annual revenue to exceed 200 million yuan [4][6]. - The company is also investing in upstream tea farmers by establishing a 500-acre ecological tea garden, which is expected to increase the annual income of 200 farmers by 30,000 yuan each [4][6].