创新多元融资增信机制

Core Viewpoint - The People's Bank of China Sichuan Branch is enhancing financing support for private enterprises through innovative mechanisms, focusing on data, assets, and systemic improvements to address financing challenges and promote high-quality development in the private economy [1]. Data Enhancement - The Sichuan Branch is leveraging the national credit information sharing platform for small and micro enterprises to improve credit assessment and lending efficiency, resulting in 8,617 inquiries and 1,253 loans amounting to 5.485 billion yuan by April 2025 [2]. - The "Tianfu Credit Pass" platform has facilitated 821,800 credit inquiries and 1.92 trillion yuan in financing, with over 1,000 quality enterprises identified for enhanced credit support [3]. Asset Enhancement - The Sichuan Branch is promoting supply chain financing through the accounts receivable financing service platform, achieving 22.543 billion yuan in financing by April 2025, with a 34.6% year-on-year increase in loans for the liquor industry [4]. - Innovative financing models are being developed for rural assets, with 190 agricultural entities obtaining loans of 110 million yuan through the "Agricultural Exchange Certificate+" model [5]. Mechanism Enhancement - The Sichuan Branch is encouraging banks to explore "Party Building + Finance" mechanisms, resulting in 71.728 billion yuan in credit granted to private enterprises in Deyang, with 40.722 billion yuan disbursed by the first quarter of 2025 [8]. - The establishment of a risk compensation fund pool has reduced the risk-sharing ratio for banks from approximately 40% to 20%, incentivizing increased financing for private enterprises [8]. Bond Financing - The Sichuan Branch supports private enterprises in issuing bonds in the interbank and exchange markets, with bond issuance support increasing by 53.33% year-on-year and outstanding bonds growing by 86.99% by the first quarter of 2025 [9].