★金融监管总局等8部门发布支持小微企业融资"23条" 增加小微企业融资供给优化风险分担补偿机制

Core Viewpoint - The recent measures released by eight government departments aim to improve financing conditions for small and micro enterprises, focusing on increasing financing supply, reducing costs, and enhancing efficiency [1][2]. Group 1: Financing Supply - The measures propose to deepen the coordination mechanism for supporting small and micro enterprise financing, emphasizing the resolution of operational difficulties faced by these businesses [2]. - There is a strong emphasis on increasing the issuance of first loans, credit loans, medium to long-term loans, and loans for private enterprises, along with support for equity financing [2][3]. - The measures encourage qualified small enterprises to list on the New Third Board and guide social capital towards innovative small and micro enterprises [2]. Group 2: Policy Support - The measures outline five specific initiatives to optimize risk-sharing compensation mechanisms and implement relevant fiscal and tax support policies [2][3]. - There is a focus on enhancing credit information sharing and promoting credit repair for small enterprises [2][3]. - The measures also call for the establishment of a mechanism for inclusive finance, guiding large and medium-sized commercial banks to optimize management models and enhance performance evaluation for inclusive finance [4]. Group 3: Risk Management - The measures highlight the importance of strengthening risk management for small enterprise loans, including the development of differentiated risk classification standards [3]. - Banks are encouraged to allocate more resources towards small enterprise loans and optimize loan write-off policies to improve the efficiency of handling non-performing loans [3].