Core Viewpoint - The article discusses a new initiative by the market supervision bureau aimed at helping small and micro enterprises overcome financing difficulties by leveraging product quality as a key asset for securing loans [1][3]. Group 1: Challenges Faced by Small and Micro Enterprises - Small and micro enterprises often struggle to secure financing due to their size, leading banks to perceive them as high-risk, resulting in either denial of loans or high-interest rates [3]. - Many enterprises invest in research and development and improve product quality, but face significant barriers when seeking financial support [3]. Group 2: Quality Financing Initiative - The "Quality Financing Credit Enhancement" initiative allows enterprises to use quality certifications and honors as leverage to secure loans, making them more attractive to banks [3][4]. - By improving product quality and obtaining relevant certifications, enterprises can reduce perceived risks for banks, leading to easier access to loans and potentially lower interest rates [3]. Group 3: Success Stories and Impact - An example is provided of a small mechanical factory that improved its product quality and received a "Quality Benchmark Enterprise" title, which led to increased loan opportunities and favorable interest rates [3]. - The initiative encourages a shift towards quality-driven business practices, benefiting not only the enterprises but also consumers who receive better products and services [3][4]. Group 4: Support and Training - The market supervision bureau is providing training and guidance to help enterprises understand how to convert quality improvements into financing advantages [3]. - A quality credit database is being established to transparently showcase the quality performance of enterprises, helping banks make informed lending decisions [3].
质量撑腰,中小微企业融资不再“卡脖子”!
Sou Hu Cai Jing·2025-06-23 17:15