一财社论：把金融助企稳岗扩岗工作做深做实

Core Viewpoint - The article emphasizes the importance of precise policy measures and broader compliance benefits to enhance financial support for employment, highlighting the need for active financial assistance amid employment pressures due to economic adjustments and external uncertainties [1][7]. Financial Support for Employment - Financial support for employment is increasingly significant, with the national urban survey unemployment rate at 5.1% in April, down 0.1 percentage points from the previous month, indicating a stable employment situation [1]. - The People's Bank of China (PBOC) has stressed the need for the financial system to stabilize employment, enterprises, markets, and expectations through effective monetary policy measures [1]. Special Loan Initiatives - Since the establishment of the special loan program, over 640 billion yuan has been disbursed to 80,000 small and micro enterprises, helping to stabilize and expand 5.3 million jobs [2]. - The special loan program, initiated in 2022, aims to support labor-intensive small and micro enterprises, demonstrating its effectiveness in stabilizing operations and promoting job growth [3]. Expansion of Loan Accessibility - The new measures have lowered application thresholds, expanded the range of eligible recipients, increased credit limits, reduced interest rates, and innovated service models compared to previous special loans [1][5]. - The criteria for applying for special loans have been relaxed, allowing businesses with reduced employment levels below the previous year's urban unemployment target to qualify for financial support [5]. Cost Reduction for Enterprises - The maximum loan interest rate is capped at 4%, with a minimum of 2.9%, providing significant discounts compared to standard loan rates [6]. - The maximum credit limit for small and micro enterprises has increased from 30 million yuan to 50 million yuan, enhancing their financial security [6]. Future Directions - The focus on precise financial support for employment and growth is crucial, requiring policies to be more targeted and compliant to benefit a wider range of market participants [7].