活用政策“工具箱” 打出金融“组合拳”

Core Viewpoint - The initiative "Financial Water Nourishes Private Enterprises" in Jingzhou, Hubei, aims to enhance financial services for local private enterprises, driving their high-quality development through targeted financial support and innovative loan products [1] Group 1: Financial Support Initiatives - The People's Bank of China Jingzhou Branch has established a collaborative mechanism involving local government departments to improve financial services for private enterprises, resulting in a loan balance of 114.9 billion yuan by April 2025, a year-on-year increase of 12.16% [1] - The bank has effectively utilized structural monetary policy tools to reduce financing costs for private enterprises, with a total of 19.23 billion yuan in agricultural and small enterprise re-loans supporting 1,153 small enterprises [3] - The "301" online credit loan model has been promoted, allowing 94,900 small micro-enterprises to obtain 10.58 billion yuan in credit loans, with a year-on-year growth of 20.35% in the balance of inclusive small micro-enterprise credit loans [4] Group 2: Case Studies of Successful Financing - A textile enterprise in Jingzhou received a 50 million yuan smart manufacturing loan, significantly reducing financing costs by nearly 1 million yuan through a combination of re-loans and fiscal subsidies [2] - A biotechnology company was granted a 15 million yuan pure credit loan within a week, utilizing the knowledge value credit loan policy, which helped the company expand production in response to increased market demand [4] - A small enterprise focused on green intelligent factory construction received an 8 million yuan working capital loan through the "Very 5+1" service mechanism, demonstrating the efficiency of tailored financial solutions [5] Group 3: Innovative Financing Models - The Jingzhou Branch has implemented a dual-track financing connection system combining online and offline approaches, facilitating quick loan applications through the "Chutian Loan Code" and regular government-bank-enterprise connection activities [6] - The "Very 5+1" service mechanism has been established to provide customized solutions for enterprises facing financing challenges, coordinating efforts among various stakeholders to address complex issues [6] - In the first quarter of this year, 12 government-bank-enterprise connection events were organized, resulting in signed credit agreements totaling 51.6 billion yuan [6]