金融“活水”润泽小微企业 支持小微企业融资协调工作机制显成效

Core Viewpoint - The financial sector in China has significantly increased support for small and micro enterprises (SMEs) in 2023, with a notable year-on-year growth in inclusive loans for these businesses, indicating a positive trend in financing for the real economy [1][3]. Group 1: Loan Growth and Financial Support - As of June 2023, the total loan balance for small and micro enterprises reached 87.74 trillion yuan, with inclusive loans amounting to 35.99 trillion yuan, reflecting a year-on-year growth of 12.31% [3]. - The average interest rate for newly issued inclusive loans to SMEs decreased by 0.46 percentage points compared to the previous year, demonstrating a trend of reduced financing costs [3][5]. - The financial support for SMEs has maintained a trend of increasing volume, expanding coverage, and lowering costs in the first half of the year [3][5]. Group 2: Policy Measures and Mechanisms - Various measures have been implemented by financial management departments to enhance financial services for SMEs, including the use of financial technology to reduce operational costs and the promotion of first-time loans, credit loans, and medium to long-term loans [5][6]. - The "Support for Small and Micro Enterprises Financing Coordination Work Mechanism" has been established to facilitate rapid access to bank credit for SMEs, resulting in the issuance of 17.8 trillion yuan in new loans since its inception [6][12]. - This mechanism has effectively addressed common financing challenges faced by SMEs, such as the lack of collateral, by connecting businesses with banks and providing timely financial solutions [8][10]. Group 3: Impact on Specific Sectors - The financing coordination mechanism has shown significant benefits for technology-driven small enterprises, with banks issuing new credit totaling 23.6 trillion yuan to recommended businesses [12]. - The mechanism has conducted outreach to over 90 million small business entities, indicating a comprehensive approach to understanding and addressing the financing needs of SMEs [12]. - Local initiatives, such as the "Financial + Grassroots Grid Point" model in Jinjiang, have been developed to ensure that financing needs are met through direct engagement between banks and businesses [15][17].