以多元化金融举措激发个体工商户活力

Group 1 - The core viewpoint emphasizes the critical role of individual businesses in the market economy, acting as "capillaries" that support employment and livelihoods [1][2] - Individual businesses face persistent challenges related to financing, including difficulties in accessing affordable credit [1] - Banks are encouraged to innovate financial products and services tailored to the unique needs of individual businesses, such as offering small, unsecured loans and streamlining approval processes [1] Group 2 - Banks should leverage financial technology, including big data and artificial intelligence, to create precise credit assessment models that facilitate access to financial support for individual businesses [1] - To reduce operational costs for individual businesses, banks can waive transaction fees and provide customized payment solutions, enhancing cash flow efficiency [1] - Collaboration between banks, government agencies, and industry associations is essential to create a supportive ecosystem for individual businesses, including participation in government support programs and risk management initiatives [2]