金融调研｜被驳回的小微贷款，如何靠“联合会诊”起死回生？

Core Insights - The article highlights the establishment of a "joint consultation" mechanism in Shandong Province aimed at addressing the financing difficulties faced by small and micro enterprises, exemplified by the case of BoXin Agriculture [1][4][6]. Group 1: Financing Challenges - BoXin Agriculture, founded in 2009, specializes in seed research and agricultural services but faces funding shortages as it scales up [2][3]. - The company struggled to secure bank loans due to a lack of effective collateral, which is a common issue for light-asset agricultural enterprises [4][5]. - Despite submitting financing applications through various channels, BoXin Agriculture encountered difficulties due to insufficient collateral and unmet loan standards [4][5]. Group 2: Joint Consultation Mechanism - The "joint consultation" mechanism was created to assist enterprises with financing needs that do not currently meet lending conditions, forming a closed-loop process of identifying problems, proposing solutions, negotiating, and providing follow-up support [5][6]. - The mechanism has successfully facilitated a 500 million yuan pure credit loan for BoXin Agriculture, with a favorable interest rate of 3.35%, significantly reducing financing costs [5][6]. - The mechanism has been effective in breaking traditional risk assessment models, allowing for more flexible lending practices tailored to the specific needs of enterprises [5][6]. Group 3: Implementation and Impact - Since its inception, the mechanism has conducted 1,366 joint consultations, resolving 4,520 financing issues for 4,422 enterprises, thereby enhancing the effectiveness of the "thousand enterprises, ten thousand households" outreach initiative [8]. - The Shandong Province has implemented three major measures to ensure the mechanism's success: establishing a problem-solving work loop, optimizing credit enhancement measures, and promoting a replicable working model [7][8]. - The initiative has expanded its service coverage to include all business entities facing financing challenges, providing tangible benefits to key sectors within the city [8].